# EDGAR Filing Document

**Accession Number:** 0001781495
**File Stem:** 0001104659-23-028940
**Filing Date:** 2023-3
**Character Count:** 6771237
**Document Hash:** a078c4158ea8e462818dd3c5e20fd641
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-23-028940.hdr.sgml**: 20230306

**ACCESSION NUMBER**: 0001104659-23-028940

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

**PUBLIC DOCUMENT COUNT**: 48

**CONFORMED PERIOD OF REPORT**: 20230306

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

**FILED AS OF DATE**: 20230306

**DATE AS OF CHANGE**: 20230306

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495
- **IRS NUMBER:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04604
- **FILM NUMBER:** 23708635

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495
- **IRS NUMBER:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495
- **IRS NUMBER:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04604

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

____ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period

<u> </u> to<u> </u>

Date of Report (Date of earliest event reported)<u> </u>

Commission File Number of securitizer:<u> </u>

Central Index Key Number of securitizer:<u> </u>

------

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

contact in connection with this filing.

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

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

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

[X] Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001781495

**Verus Securitization Trust 2023-2**

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

Robert Konigsberg

(202) 534-1815

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

contact in connection with this filing

**PART I:** **REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure**

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure**

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1**

N/A

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

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

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

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

N/A

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](tm238032d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm238032d1_ex99-1.htm) |
| [99.2](tm238032d1_ex99-2.htm) | [AMC Data Compare Report](tm238032d1_ex99-2.htm) |
| [99.3](tm238032d1_ex99-3.htm) | [AMC Exception Grades](tm238032d1_ex99-3.htm) |
| [99.4](tm238032d1_ex99-4.htm) | [AMC Rating Agency Grades](tm238032d1_ex99-4.htm) |
| [99.5](tm238032d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm238032d1_ex99-5.htm) |
| [99.6](tm238032d1_ex99-6.htm) | [AMC Valuation Report](tm238032d1_ex99-6.htm) |
| [99.7](tm238032d1_ex99-7.htm) | [AMC Supplemental Data](tm238032d1_ex99-7.htm) |
| [99.8](tm238032d1_ex99-8.htm) | [AMC Tax and Title Report](tm238032d1_ex99-8.htm) |
| [99.9](tm238032d1_ex99-9.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm238032d1_ex99-9.htm) |
| [99.10](tm238032d1_ex99-10.htm) | [Clayton Conditions Report](tm238032d1_ex99-10.htm) |
| [99.11](tm238032d1_ex99-11.htm) | [Clayton Loan Level Tape Compare Upload](tm238032d1_ex99-11.htm) |
| [99.12](tm238032d1_ex99-12.htm) | [Clayton Non ATR QM Upload](tm238032d1_ex99-12.htm) |
| [99.13](tm238032d1_ex99-13.htm) | [Clayton Rating Agency Grades Report](tm238032d1_ex99-13.htm) |
| [99.14](tm238032d1_ex99-14.htm) | [Clayton Valuations Summary](tm238032d1_ex99-14.htm) |
| [99.15](tm238032d1_ex99-15.htm) | [Covius Real Estate Services, LLC ("CRES") Executive Summary](tm238032d1_ex99-15.htm) |
| [99.16](tm238032d1_ex99-16.htm) | [CRES Rating Agency Exceptions Report](tm238032d1_ex99-16.htm) |
| [99.17](tm238032d1_ex99-17.htm) | [CRES Rating Agency Grades Report](tm238032d1_ex99-17.htm) |
| [99.18](tm238032d1_ex99-18.htm) | [CRES Rating Agency Tape Compare Report](tm238032d1_ex99-18.htm) |
| [99.19](tm238032d1_ex99-19.htm) | [CRES ATR QM Data Fields](tm238032d1_ex99-19.htm) |
| [99.20](tm238032d1_ex99-20.htm) | [CRES Rating Agency Valuation Report](tm238032d1_ex99-20.htm) |
| [99.21](tm238032d1_ex99-21.htm) | [Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Executive Summary](tm238032d1_ex99-21.htm) |
| [99.22](tm238032d1_ex99-22.htm) | [Consolidated Analytics Exception Grades Report](tm238032d1_ex99-22.htm) |
| [99.23](tm238032d1_ex99-23.htm) | [Consolidated Analytics Data Compare Report](tm238032d1_ex99-23.htm) |
| [99.24](tm238032d1_ex99-24.htm) | [Consolidated Analytics Grading Summary Report](tm238032d1_ex99-24.htm) |
| [99.25](tm238032d1_ex99-25.htm) | [Consolidated Analytics ATR QM Report](tm238032d1_ex99-25.htm) |
| [99.26](tm238032d1_ex99-26.htm) | [Consolidated Analytics Valuations Summary Report](tm238032d1_ex99-26.htm) |
| [99.27](tm238032d1_ex99-27.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm238032d1_ex99-27.htm) |
| [99.28](tm238032d1_ex99-28.htm) | [Clarifii Rating Agency Grades Detail Report](tm238032d1_ex99-28.htm) |
| [99.29](tm238032d1_ex99-29.htm) | [Clarifii Rating Agency Grades Summary Report](tm238032d1_ex99-29.htm) |
| [99.30](tm238032d1_ex99-30.htm) | [Clarifii Data Compare Report](tm238032d1_ex99-30.htm) |
| [99.31](tm238032d1_ex99-31.htm) | [Clarifii ATR QM Report](tm238032d1_ex99-31.htm) |
| [99.32](tm238032d1_ex99-32.htm) | [Clarifii Valuation Report](tm238032d1_ex99-32.htm) |
| [99.33](tm238032d1_ex99-33.htm) | [Incenter LLC d/b/a EdgeMAC ("EdgeMAC") Due Diligence Executive Summary](tm238032d1_ex99-33.htm) |
| [99.34](tm238032d1_ex99-34.htm) | [EdgeMAC Exception Report](tm238032d1_ex99-34.htm) |
| [99.35](tm238032d1_ex99-35.htm) | [EdgeMAC Final Tape Compare Report](tm238032d1_ex99-35.htm) |
| [99.36](tm238032d1_ex99-36.htm) | [EdgeMAC Rating Agency Grades](tm238032d1_ex99-36.htm) |
| [99.37](tm238032d1_ex99-37.htm) | [EdgeMAC QM ATR Report](tm238032d1_ex99-37.htm) |
| [99.38](tm238032d1_ex99-38.htm) | [EdgeMAC Valuation Summary Report](tm238032d1_ex99-38.htm) |

---

**SIGNATURE**

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

Date: March 6, 2023

VMC ASSET DEPOSITOR, LLC

---

| | | |
|:---|:---|:---|
| By: | /s/ Robert Konigsberg | /s/ Robert Konigsberg |
|  | Name: | Robert Konigsberg |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1**

**AMC Diligence, LLC ("AMC") Due Diligence Executive Summary**

![](tm238032d1_ex99-1img001.jpg)

------

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter loans the time of an initial review performed for such party, was conducted from September 2021 through January 2023 on mortgage loans with origination dates from October 2020 through January 2023 via files imaged and provided by the Client for review. The Review includes loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained five hundred six (506) mortgage loans (the "Loans") totaling an aggregate original principal balance of approximately $296.594 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA").

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |

---

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

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

1 \| P a g e

![](tm238032d1_ex99-1img001.jpg)

------

Of specific note, there were three hundred eighty-two (382) loans where the income was verified, and a DTI was calculated Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, fifty-one (51) mortgage loans utilized twenty-four (24) or more months of bank statements, one hundred ninety (190) mortgage loans utilized twelve (12) through twenty-three (23) months of bank statements, eleven (11) mortgage loans utilized twenty-four (24) or more months of P&L income, and thirty-nine (39) mortgage loan utilized twelve (12) months of P&L income. There were four (4) mortgage loans that were considered asset depletion loans. The rest of the loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with nine (9) mortgage loans only having 12 months of income verification.

There were one hundred twenty-four (124) mortgage loans that are considered Business Purpose/Property Focused Investor Loans. Seventy-one (71) mortgage loans have a DSCR calculation. The remaining fifty-three (53) mortgage loans were considered No Ratio loans with no DSCR calculation.

**<u>CREDIT AND COMPLIANCE SCOPE:</u>**

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt-to-income ratio as appropriate.

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

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

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

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

2 \| P a g e

![](tm238032d1_ex99-1img001.jpg)

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](tm238032d1_ex99-1img001.jpg)

------

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

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

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

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

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

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

▪ Gathering the components of
the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, AMC sums per the guidelines
the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number
is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the applicable home equity initial and account opening
disclosures

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence

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findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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For the loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of "No" on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as "Not Stated" in the reports.

\* Note, for loans in which the lender provided the VSH indicator, AMC captured it, but did not verify the VSH indicator.

Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of "Yes". The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. The results of the variance analysis are reflected in the reports.

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003); |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008); |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Note; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates; |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and |
| &nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated tests set forth herein. |

---

**<u>(8) Other: review and methodology.</u>**

**<u>Title Review</u>**

As requested by the Client, a title review was included in SitusAMC's scope of review. To facilitate this review, the Client provided SitusAMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, SitusAMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, SitusAMC identified whether the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. SitusAMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY** 

Of the five hundred six (506) mortgage loans reviewed, four hundred ninety-six (496) mortgage loans (98.02%) received an overall "A" or "B" grade, and ten (10) mortgage loans (1.98%) received a "C" grade because of compliance and property exceptions.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;10.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;445 | &nbsp;&nbsp;87.94% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.98% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the three hundred eighty-two (382) mortgage loans reviewed for compliance, three hundred seventy-four (374) mortgage loans (97.91%) of the Loans subjected to a Compliance Review received an "A" or "B" compliance grade. Eight (8) mortgage loans (2.09%) received a "C" compliance grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;17.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;308 | &nbsp;&nbsp;80.63% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.09% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**382** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All five hundred six (506) mortgage loans reviewed received an "A" or "B" credit grade, and one hundred seventy-eight (178) mortgage loans or 35.18% received an "A" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;178 | &nbsp;&nbsp;35.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;328 | &nbsp;&nbsp;64.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Of the five hundred six (506) mortgage loans reviewed, five hundred four (504) mortgage loans (99.60%) have a property grade of "B" or higher, and two (2) mortgage loan (0.40%) received a property "C" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;485 | &nbsp;&nbsp;95.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY** 

The table below summarizes the individual exceptions which carried an associated "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the

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loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***14*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;131 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;110 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;95 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;57 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***711*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**725** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;401 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |

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| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Income | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Document Error | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Employment | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;1003 | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***584*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**584** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***19*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**1330** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the five hundred six (506) mortgage loans, five hundred six (506) unique Loans had one thousand five hundred twenty (1,520) different tape discrepancies across thirty-six (36) data fields (some Loans had more than one data delta). The largest variances were found on Cash From Borrower, Investor: Qualifying Total Debt Ratio and Property Type where the data tape information did not coincide with the documentation type found in the loan file.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;11 | &nbsp;&nbsp;506 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;17 | &nbsp;&nbsp;482 | &nbsp;&nbsp;3.53% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;506 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;80 | &nbsp;&nbsp;1.25% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;90 | &nbsp;&nbsp;506 | &nbsp;&nbsp;17.79% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;468 | &nbsp;&nbsp;2.35% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;57 | &nbsp;&nbsp;421 | &nbsp;&nbsp;13.54% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;90 | &nbsp;&nbsp;506 | &nbsp;&nbsp;17.79% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;323 | &nbsp;&nbsp;0.62% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;338 | &nbsp;&nbsp;482 | &nbsp;&nbsp;70.12% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;120 | &nbsp;&nbsp;147 | &nbsp;&nbsp;81.63% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;25 | &nbsp;&nbsp;506 | &nbsp;&nbsp;4.94% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;33 | &nbsp;&nbsp;351 | &nbsp;&nbsp;9.40% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;331 | &nbsp;&nbsp;3.63% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;63 | &nbsp;&nbsp;307 | &nbsp;&nbsp;20.52% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;482 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;34 | &nbsp;&nbsp;117 | &nbsp;&nbsp;29.06% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;174 | &nbsp;&nbsp;372 | &nbsp;&nbsp;46.77% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;506 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;32 | &nbsp;&nbsp;39 | &nbsp;&nbsp;82.05% | &nbsp;&nbsp;506 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;113 | &nbsp;&nbsp;1.77% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;482 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;34 | &nbsp;&nbsp;482 | &nbsp;&nbsp;7.05% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;7 | &nbsp;&nbsp;506 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;18 | &nbsp;&nbsp;506 | &nbsp;&nbsp;3.56% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;35 | &nbsp;&nbsp;506 | &nbsp;&nbsp;6.92% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;5 | &nbsp;&nbsp;111 | &nbsp;&nbsp;4.50% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;506 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;4 | &nbsp;&nbsp;155 | &nbsp;&nbsp;2.58% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;482 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;134 | &nbsp;&nbsp;459 | &nbsp;&nbsp;29.19% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;506 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;11 | &nbsp;&nbsp;148 | &nbsp;&nbsp;7.43% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;50 | &nbsp;&nbsp;503 | &nbsp;&nbsp;9.94% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;505 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;58 | &nbsp;&nbsp;506 | &nbsp;&nbsp;11.46% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;41 | &nbsp;&nbsp;505 | &nbsp;&nbsp;8.12% | &nbsp;&nbsp;506 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1520** | &nbsp;&nbsp;**14529** | &nbsp;&nbsp;**10.46%** | &nbsp;&nbsp;**506** |

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**SitusAMC TITLE REVIEW SUMMARY (3 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on three (3) mortgage loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Super Position
HOA Liens recorded after the subject mortgage which were entitled to limited or full lien priority over the subject mortgage were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Municipal Liens
which had limited or full lien priority over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Property Tax Liens
which had limited or full lien priority over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Liens identified in
our review have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Mortgages identified
in our review have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As to any Miscellaneous Items
of substance, the items in this category typically defy standard categorization or summarization and are individually detailed.

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;467 | &nbsp;&nbsp;92.29% | &nbsp;&nbsp;$273234072.00 | &nbsp;&nbsp;92.12% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;39 | &nbsp;&nbsp;7.71% | &nbsp;&nbsp;$23359495.00 | &nbsp;&nbsp;7.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$296593567.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;506 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$296593567.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$296593567.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$420000.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$528450.00 | &nbsp;&nbsp;0.18% |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;132 | &nbsp;&nbsp;26.09% | &nbsp;&nbsp;$67676075.00 | &nbsp;&nbsp;22.82% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;109 | &nbsp;&nbsp;21.54% | &nbsp;&nbsp;$62010367.00 | &nbsp;&nbsp;20.91% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;241 | &nbsp;&nbsp;47.63% | &nbsp;&nbsp;$151487395.00 | &nbsp;&nbsp;51.08% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;22 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;$14471280.00 | &nbsp;&nbsp;4.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$296593567.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$206250.00 | &nbsp;&nbsp;0.07% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.59% | &nbsp;&nbsp;$908999.00 | &nbsp;&nbsp;0.31% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;487 | &nbsp;&nbsp;96.25% | &nbsp;&nbsp;$283286669.00 | &nbsp;&nbsp;95.51% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.96% | &nbsp;&nbsp;$12191649.00 | &nbsp;&nbsp;4.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$296593567.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;274 | &nbsp;&nbsp;54.15% | &nbsp;&nbsp;$165566552.00 | &nbsp;&nbsp;55.82% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;36 | &nbsp;&nbsp;7.11% | &nbsp;&nbsp;$12409629.00 | &nbsp;&nbsp;4.18% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;20 | &nbsp;&nbsp;3.95% | &nbsp;&nbsp;$12024275.00 | &nbsp;&nbsp;4.05% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.99% | &nbsp;&nbsp;$1614675.00 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;110 | &nbsp;&nbsp;21.74% | &nbsp;&nbsp;$69489196.00 | &nbsp;&nbsp;23.43% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;$3086940.00 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;28 | &nbsp;&nbsp;5.53% | &nbsp;&nbsp;$14211200.00 | &nbsp;&nbsp;4.79% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.37% | &nbsp;&nbsp;$5829750.00 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;$5150250.00 | &nbsp;&nbsp;1.74% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;$2319650.00 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.19% | &nbsp;&nbsp;$4891450.00 | &nbsp;&nbsp;1.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$296593567.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;300 | &nbsp;&nbsp;59.29% | &nbsp;&nbsp;$190395055.00 | &nbsp;&nbsp;64.19% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;192 | &nbsp;&nbsp;37.94% | &nbsp;&nbsp;$99155012.00 | &nbsp;&nbsp;33.43% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$7043500.00 | &nbsp;&nbsp;2.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$296593567.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;315 | &nbsp;&nbsp;62.25% | &nbsp;&nbsp;$197694055.00 | &nbsp;&nbsp;66.65% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;191 | &nbsp;&nbsp;37.75% | &nbsp;&nbsp;$98899512.00 | &nbsp;&nbsp;33.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$296593567.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;315 | &nbsp;&nbsp;62.25% | &nbsp;&nbsp;$197694055.00 | &nbsp;&nbsp;66.65% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;191 | &nbsp;&nbsp;37.75% | &nbsp;&nbsp;$98899512.00 | &nbsp;&nbsp;33.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**506** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$296593567.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](tm238032d1_situsamc.gif)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 756404 | xxxxxx | Cash To Borrower | 40258.55 | 12275.78 | Verified | Field value reflects source document |
| xxxxxx | 759251 | xxxxxx | Representative FICO | 796 | 811 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 759251 | xxxxxx | Cash To Borrower | 0 | 72575.37 | Verified | Field value reflects source document |
| xxxxxx | 759764 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 759764 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.88 | 42.94133 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| xxxxxx | 761372 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 761372 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 761372 | xxxxxx | Representative FICO | 773 | 788 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 761372 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 760877 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 760877 | xxxxxx | Original CLTV | 86.97 | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 760877 | xxxxxx | Original LTV | 86.97 | 90 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 760795 | xxxxxx | Representative FICO | 758 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 760795 | xxxxxx | Doc Type | Fastrack | Reduced | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 760795 | xxxxxx | Cash From Borrower | 0 | 237991.97 | Verified | Field value reflects source document |
| xxxxxx | 761498 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 761498 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 761498 | xxxxxx | Representative FICO | 807 | 804 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 766380 | xxxxxx | # of Units | 4 | 2 | Verified | Field value reflects source document |
| xxxxxx | 766380 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 766380 | xxxxxx | Cash From Borrower | 0 | 40371.73 | Verified | Field value reflects source document |
| xxxxxx | 766346 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 766346 | xxxxxx | Interest Rate Life Floor | 6 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 766346 | xxxxxx | Cash From Borrower | 0 | 36150.38 | Verified | Field value reflects source document |
| xxxxxx | 766446 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 766446 | xxxxxx | Original CLTV | 81.06 | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 766446 | xxxxxx | Original LTV | 81.06 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 766437 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 766437 | xxxxxx | Interest Rate Life Floor | 5.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 766437 | xxxxxx | Cash From Borrower | 0 | 99942.91 | Verified | Field value reflects source document |
| xxxxxx | 766472 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 766472 | xxxxxx | # of Units | 4 | 3 | Verified | Field value reflects source document |
| xxxxxx | 766472 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 766448 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 766448 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 766448 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 766448 | xxxxxx | Original CLTV | 83.96 | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 766448 | xxxxxx | Original LTV | 83.96 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 766448 | xxxxxx | Cash From Borrower | 0 | 74914.08 | Verified | Field value reflects source document |
| xxxxxx | 767572 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 767572 | xxxxxx | Cash From Borrower | 0 | 260027.09 | Verified | Field value reflects source document |
| xxxxxx | 767422 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 767422 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 768345 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 768342 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 768342 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 768342 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 767846 | xxxxxx | Occupancy | Investment | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| xxxxxx | 767846 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 767846 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 767846 | xxxxxx | Original CLTV | 42.17 | 39.19 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 767846 | xxxxxx | Original LTV | 42.17 | 39.19 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 767846 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46 | 43.34013 | Verified | Matches 1008 DTI |
| xxxxxx | 767423 | xxxxxx | Cash To Borrower | 265000 | 231210.21 | Verified | Field value reflects source document |
| xxxxxx | 767423 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.338 | 28.4791 | Verified | Unable to verify due to missing information |
| xxxxxx | 768902 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 768902 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 768902 | xxxxxx | Original P&I | 9007.89 | 9302.08 | Verified | Field Value reflects Note value |
| xxxxxx | 768902 | xxxxxx | Original CLTV | 87.96 | 79.17 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 768902 | xxxxxx | Original LTV | 87.96 | 79.17 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 768903 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 768903 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 768903 | xxxxxx | Original P&I | 6412.35 | 6504.6 | Verified | Field Value reflects Note value |
| xxxxxx | 768903 | xxxxxx | Original CLTV | 84.46 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 768903 | xxxxxx | Original LTV | 84.46 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 769156 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 769474 | xxxxxx | Representative FICO | 786 | 663 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 767531 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 768904 | xxxxxx | Representative FICO | 660 | 628 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 767559 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 770286 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 770286 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 770286 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 770286 | xxxxxx | Cash From Borrower | 0 | 270436.07 | Verified | Field value reflects source document |
| xxxxxx | 770286 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.973 | 38.93875 | Verified | Matches 1008 DTI |
| xxxxxx | 768168 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 768168 | xxxxxx | Representative FICO | 660 | 632 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 768168 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 768168 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 768168 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47 | 38.13654 | Verified | The DTI is lower due to including rental income to qualify the loan. |
| xxxxxx | 769811 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 769829 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 769829 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 769829 | xxxxxx | Cash From Borrower | 0 | 1659348.51 | Verified | Field value reflects source document |
| xxxxxx | 768908 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 768908 | xxxxxx | Cash From Borrower | 0 | 76798.52 | Verified | Field value reflects source document |
| xxxxxx | 766855 | xxxxxx | Representative FICO | 698 | 731 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 766855 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 766855 | xxxxxx | Cash From Borrower | 0 | 68453.75 | Verified | Field value reflects source document |
| xxxxxx | 771000 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 771000 | xxxxxx | Cash From Borrower | 0 | 140600.74 | Verified | Field value reflects source document |
| xxxxxx | 771652 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 771652 | xxxxxx | Cash From Borrower | 0 | 88071.15 | Verified | Field value reflects source document |
| xxxxxx | 771652 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.94 | 47.02617 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 771684 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 771684 | xxxxxx | Cash From Borrower | 0 | 115070.81 | Verified | Field value reflects source document |
| xxxxxx | 768428 | xxxxxx | Representative FICO | 720 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 768428 | xxxxxx | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 768428 | xxxxxx | Doc Type | Reduced | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 768428 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 768428 | xxxxxx | Cash To Borrower | 448882 | 366597.58 | Verified | Field value reflects source document |
| xxxxxx | 768428 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 768428 | xxxxxx | Investor: Qualifying Total Debt Ratio | 1 | 38.54201 | Verified | Field Value DTI of 38.54% is inline with the Approval DTI of 36.53%. |
| xxxxxx | 771429 | xxxxxx | Cash From Borrower | 0 | 132160.02 | Verified | Field value reflects source document |
| xxxxxx | 771429 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.972 | 41.9944 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 771564 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 771564 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 771564 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 771564 | xxxxxx | Original CLTV | 60 | 63.21 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 771564 | xxxxxx | Original LTV | 60 | 63.21 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 771564 | xxxxxx | Cash From Borrower | 0 | 116428.36 | Verified | Field value reflects source document |
| xxxxxx | 771564 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.131 | 31.15247 | Verified | Higher income calculated at audit |
| xxxxxx | 771637 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 771637 | xxxxxx | Cash From Borrower | 0 | 123500.74 | Verified | Field value reflects source document |
| xxxxxx | 771637 | xxxxxx | Investor: Qualifying Total Debt Ratio | 19.733 | 22.46482 | Verified | In line with 1008 DTI of 23.774%. |
| xxxxxx | 771505 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 771505 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 771505 | xxxxxx | Original CLTV | 63 | 66.32 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 771505 | xxxxxx | Original LTV | 63 | 66.32 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 771505 | xxxxxx | Cash From Borrower | 0 | 300030.66 | Verified | Field value reflects source document |
| xxxxxx | 772501 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772501 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772501 | xxxxxx | Margin | 2 | 4 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 772501 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 772501 | xxxxxx | Cash To Borrower | 254384 | 233526.79 | Verified | Field value reflects source document |
| xxxxxx | 773420 | xxxxxx | Cash From Borrower | 0 | 93924.86 | Verified | Field value reflects source document |
| xxxxxx | 770857 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 770857 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 770857 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 770857 | xxxxxx | Representative FICO | 769 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 770857 | xxxxxx | Cash To Borrower | 1000 | 59728.01 | Verified | Field value reflects source document |
| xxxxxx | 770857 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.585 | 35.78937 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 772558 | xxxxxx | Cash From Borrower | 0 | 69977.43 | Verified | Field value reflects source document |
| xxxxxx | 772558 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.84 | 32.85126 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 773309 | xxxxxx | Cash From Borrower | 0 | 49739.12 | Verified | Field value reflects source document |
| xxxxxx | 771721 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 771721 | xxxxxx | Cash From Borrower | 0 | 59776.25 | Verified | Field value reflects source document |
| xxxxxx | 773463 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773463 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 773463 | xxxxxx | Original CLTV | 74.72 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 773463 | xxxxxx | Original LTV | 74.72 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 773463 | xxxxxx | Cash From Borrower | 0 | 10124.49 | Verified | Field value reflects source document |
| xxxxxx | 772550 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772550 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 772550 | xxxxxx | Original CLTV | 91.72 | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 772550 | xxxxxx | Original LTV | 91.72 | 90 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 772550 | xxxxxx | Cash From Borrower | 0 | 103346.28 | Verified | Field value reflects source document |
| xxxxxx | 772550 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.829 | 36.05743 | Verified | Matches 1008 DTI |
| xxxxxx | 773468 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 773468 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773468 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773468 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773468 | xxxxxx | Cash From Borrower | 0 | 113993.79 | Verified | Field value reflects source document |
| xxxxxx | 771096 | xxxxxx | Cash From Borrower | 0 | 66643.92 | Verified | Field value reflects source document |
| xxxxxx | 769373 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 769373 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 769373 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 769373 | xxxxxx | Cash From Borrower | 0 | 140781.32 | Verified | Field value reflects source document |
| xxxxxx | 772151 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772151 | xxxxxx | Cash From Borrower | 0 | 145205.4 | Verified | Field value reflects source document |
| xxxxxx | 773867 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 773867 | xxxxxx | Cash To Borrower | 93781.84 | 94549.49 | Verified | Field value reflects source document |
| xxxxxx | 773867 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.288 | 25.25239 | Verified | Qualifying Total Debt Ratio is less than bid tape value. |
| xxxxxx | 772355 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772355 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 772355 | xxxxxx | Cash From Borrower | 0 | 250470.31 | Verified | Field value reflects source document |
| xxxxxx | 772355 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.447 | 33.22268 | Verified | Higher income calculated at audit |
| xxxxxx | 773495 | xxxxxx | Cash To Borrower | 0 | 129672.27 | Verified | Field value reflects source document |
| xxxxxx | 773495 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.223 | 14.31129 | Verified | Higher income calculated at audit |
| xxxxxx | 772202 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 772202 | xxxxxx | Original Interest Rate | 7.5 | 7.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 772202 | xxxxxx | Cash From Borrower | 0 | 234751.05 | Verified | Field value reflects source document |
| xxxxxx | 772202 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28 | 35.39407 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 773151 | xxxxxx | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 773151 | xxxxxx | Cash To Borrower | 1 | 26000 | Verified | Field value reflects source document |
| xxxxxx | 773151 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.68 | 47.60999 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 772893 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 772893 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772893 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 772893 | xxxxxx | Cash From Borrower | 0 | 110021.89 | Verified | Field value reflects source document |
| xxxxxx | 772893 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.681 | 42.05835 | Verified | Field Value DTI of 42.06% is in line with the 1008 DTI of 42.06%. |
| xxxxxx | 773494 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773494 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 773494 | xxxxxx | Cash From Borrower | 0 | 172640.84 | Verified | Field value reflects source document |
| xxxxxx | 773401 | xxxxxx | Cash From Borrower | 0 | 137790.59 | Verified | Field value reflects source document |
| xxxxxx | 772586 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772586 | xxxxxx | Cash From Borrower | 0 | 170191.9 | Verified | Field value reflects source document |
| xxxxxx | 772357 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772357 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 772357 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 772357 | xxxxxx | Cash From Borrower | 0 | 100764.24 | Verified | Field value reflects source document |
| xxxxxx | 774147 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 774147 | xxxxxx | Cash From Borrower | 0 | 197508.33 | Verified | Field value reflects source document |
| xxxxxx | 774148 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 774148 | xxxxxx | Cash From Borrower | 0 | 118446.77 | Verified | Field value reflects source document |
| xxxxxx | 774148 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.08 | 30.6492 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 773386 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773386 | xxxxxx | Cash From Borrower | 0 | 403341.61 | Verified | Field value reflects source document |
| xxxxxx | 773393 | xxxxxx | Cash From Borrower | 0 | 208427.2 | Verified | Field value reflects source document |
| xxxxxx | 773393 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29 | 44.13937 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 769625 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | as per 1004 PUD |
| xxxxxx | 769625 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 769625 | xxxxxx | Cash From Borrower | 0 | 288768.04 | Verified | Field value reflects source document |
| xxxxxx | 769625 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.112 | 45.55333 | Verified | In line with 1008 DTI. |
| xxxxxx | 771338 | xxxxxx | Cash To Borrower | 1000 | 128806.64 | Verified | Field value reflects source document |
| xxxxxx | 771338 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25.29 | 20.51373 | Verified | The income expense ratio used was 23% as stated on the CPA letter. |
| xxxxxx | 773424 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773424 | xxxxxx | Cash To Borrower | 103750 | 85270.72 | Verified | Field value reflects source document |
| xxxxxx | 773424 | xxxxxx | Original CLTV | 73.73 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 773424 | xxxxxx | Original LTV | 73.73 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 774132 | xxxxxx | Cash To Borrower | 0 | 815.1 | Verified | Field value reflects source document |
| xxxxxx | 774132 | xxxxxx | Investor: Qualifying Total Debt Ratio | 50 | 46.03418 | Verified | Matched 1008 DTI |
| xxxxxx | 772291 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 772291 | xxxxxx | Property Type | Single Family Attached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772291 | xxxxxx | Cash From Borrower | 0 | 153804.14 | Verified | Field value reflects source document |
| xxxxxx | 772291 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.926 | 39.83165 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 774252 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774252 | xxxxxx | Cash From Borrower | 0 | 55333.84 | Verified | Field value reflects source document |
| xxxxxx | 771949 | xxxxxx | Representative FICO | 736 | 740 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 771949 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 771949 | xxxxxx | Cash From Borrower | 0 | 221408.1 | Verified | Field value reflects source document |
| xxxxxx | 771949 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.941 | 34.08877 | Verified | Matches 1008 DTI |
| xxxxxx | 773988 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 773988 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 773988 | xxxxxx | Cash From Borrower | 0 | 363948.68 | Verified | Field value reflects source document |
| xxxxxx | 773006 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773006 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 773006 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773006 | xxxxxx | Cash From Borrower | 0 | 40064.95 | Verified | Field value reflects source document |
| xxxxxx | 773006 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.89 | 36.60435 | Verified | Calculated income is higher than that used at origination. |
| xxxxxx | 770452 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 770452 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 770452 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 770452 | xxxxxx | Cash From Borrower | 0 | 67192.5 | Verified | Field value reflects source document |
| xxxxxx | 770452 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.064 | 30.70565 | Verified | Field Value DTI is lower than Tape value due to Lender used lower qualifying income than verified by audit. |
| xxxxxx | 773927 | xxxxxx | Cash From Borrower | 0 | 79493.47 | Verified | Field value reflects source document |
| xxxxxx | 774548 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 774548 | xxxxxx | Cash From Borrower | 0 | 143551.63 | Verified | Field value reflects source document |
| xxxxxx | 771416 | xxxxxx | Cash To Borrower | 159683 | 145162.35 | Verified | Field value reflects source document |
| xxxxxx | 773959 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773959 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 773959 | xxxxxx | Cash From Borrower | 0 | 165029.96 | Verified | Field value reflects source document |
| xxxxxx | 771875 | xxxxxx | Representative FICO | 756 | 716 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 771875 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 771875 | xxxxxx | Cash From Borrower | 0 | 56228.96 | Verified | Field value reflects source document |
| xxxxxx | 771875 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.008 | 30.30363 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 772241 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 772241 | xxxxxx | Cash From Borrower | 0 | 550578.32 | Verified | Field value reflects source document |
| xxxxxx | 773790 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 773790 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773790 | xxxxxx | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 773790 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 773790 | xxxxxx | Cash From Borrower | 0 | 208742.04 | Verified | Field value reflects source document |
| xxxxxx | 771335 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 771335 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 771335 | xxxxxx | Cash From Borrower | 0 | 1253.28 | Verified | Field value reflects source document |
| xxxxxx | 771335 | xxxxxx | Investor: Qualifying Total Debt Ratio | 22.7 | 29.15503 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 769032 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 769032 | xxxxxx | Cash From Borrower | 0 | 151315.63 | Verified | Field value reflects source document |
| xxxxxx | 773863 | xxxxxx | Representative FICO | 677 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 773863 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773863 | xxxxxx | Cash To Borrower | 1000 | 419799.79 | Verified | Field value reflects source document |
| xxxxxx | 773863 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.809 | 43.46175 | Verified | Matches 1008 DTI |
| xxxxxx | 772648 | xxxxxx | Cash From Borrower | 0 | 496246.8 | Verified | Field value reflects source document |
| xxxxxx | 772648 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.246 | 35.60865 | Verified | Field Value DTI of 35.609% is in line with the DTI of 35.609% on the 1008. |
| xxxxxx | 773515 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773515 | xxxxxx | Cash From Borrower | 0 | 295052.82 | Verified | Field value reflects source document |
| xxxxxx | 773432 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773432 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773432 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773432 | xxxxxx | Cash From Borrower | 0 | 349866.64 | Verified | Field value reflects source document |
| xxxxxx | 774165 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 774165 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774165 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 774165 | xxxxxx | Cash From Borrower | 0 | 520570.19 | Verified | Field value reflects source document |
| xxxxxx | 773852 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 773852 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773852 | xxxxxx | Cash From Borrower | 0 | 818698.86 | Verified | Field value reflects source document |
| xxxxxx | 773519 | xxxxxx | Representative FICO | 755 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 773519 | xxxxxx | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773519 | xxxxxx | # of Units | 1 | 3 | Verified | Field value reflects source document |
| xxxxxx | 773519 | xxxxxx | Cash From Borrower | 0 | 298831.57 | Verified | Field value reflects source document |
| xxxxxx | 772970 | xxxxxx | Cash To Borrower | 1 | 48666.76 | Verified | Field value reflects source document |
| xxxxxx | 772864 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 772864 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772864 | xxxxxx | Representative FICO | 684 | 698 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 772864 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772864 | xxxxxx | Cash From Borrower | 0 | 56155.87 | Verified | Field value reflects source document |
| xxxxxx | 773896 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773896 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773896 | xxxxxx | Cash From Borrower | 0 | 305592.93 | Verified | Field value reflects source document |
| xxxxxx | 773681 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773681 | xxxxxx | Cash From Borrower | 0 | 388958.5 | Verified | Field value reflects source document |
| xxxxxx | 773101 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773101 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773101 | xxxxxx | Cash From Borrower | 0 | 320475.91 | Verified | Field value reflects source document |
| xxxxxx | 773101 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25 | 32.91392 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 774120 | xxxxxx | Cash To Borrower | 0 | 1682.3 | Verified | Field value reflects source document |
| xxxxxx | 774120 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.908 | 37.65734 | Verified | Qualifying Total Debt Ratio is less than bid tape value. |
| xxxxxx | 773621 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773621 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773621 | xxxxxx | Cash From Borrower | 0 | 1762261.57 | Verified | Field value reflects source document |
| xxxxxx | 773227 | xxxxxx | Original Interest Rate | 7.75 | 8.75 | Verified | Field Value reflects the Note value |
| xxxxxx | 773227 | xxxxxx | Representative FICO | 700 | 688 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 773227 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773227 | xxxxxx | Cash From Borrower | 0 | 332904.85 | Verified | Field value reflects source document |
| xxxxxx | 774182 | xxxxxx | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774182 | xxxxxx | Cash From Borrower | 0 | 144705.22 | Verified | Field value reflects source document |
| xxxxxx | 773225 | xxxxxx | Cash To Borrower | 87558 | 108880.75 | Verified | Field value reflects source document |
| xxxxxx | 773225 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20.832 | 26.12252 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 773906 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 773906 | xxxxxx | Cash From Borrower | 0 | 1352304.96 | Verified | Field value reflects source document |
| xxxxxx | 773906 | xxxxxx | Investor: Qualifying Total Debt Ratio | 18.05 | 21.07939 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 774116 | xxxxxx | Cash From Borrower | 0 | 8169.94 | Verified | Field value reflects source document |
| xxxxxx | 773099 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773099 | xxxxxx | Cash To Borrower | 279919 | 279867.32 | Verified | Field value reflects source document |
| xxxxxx | 774167 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 774167 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774167 | xxxxxx | Cash From Borrower | 0 | 300991.76 | Verified | Field value reflects source document |
| xxxxxx | 774167 | xxxxxx | Investor: Qualifying Total Debt Ratio | 4.712 | 1.63717 | Verified | In line with 1008 DTI. |
| xxxxxx | 773989 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 773989 | xxxxxx | Representative FICO | 809 | 806 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 773989 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773989 | xxxxxx | Cash To Borrower | 100000 | 210687.13 | Verified | Unable to verify due to missing information |
| xxxxxx | 773989 | xxxxxx | Original CLTV | 70 | 68.92 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 773989 | xxxxxx | Original LTV | 70 | 68.92 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 774184 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774184 | xxxxxx | Cash From Borrower | 0 | 318203.28 | Verified | Field value reflects source document |
| xxxxxx | 774184 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 8.3255 | Verified | Field Value DTI is in line with the 1008 DTI. |
| xxxxxx | 775037 | xxxxxx | Representative FICO | 712 | 720 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 775037 | xxxxxx | Cash From Borrower | 0 | 75533.55 | Verified | Field value reflects source document |
| xxxxxx | 775037 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.262 | 58.26152 | Verified | Client requested reduction in rental income due to lack of verification of lease amount |
| xxxxxx | 775521 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775521 | xxxxxx | Property Type | Condotel | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775521 | xxxxxx | Cash From Borrower | 0 | 62083.31 | Verified | Field value reflects source document |
| xxxxxx | 774096 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 774096 | xxxxxx | Cash From Borrower | 0 | 143388.93 | Verified | Field value reflects source document |
| xxxxxx | 774096 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.424 | 45.73597 | Verified | In line with 1008 DTI |
| xxxxxx | 776146 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776146 | xxxxxx | Representative FICO | 660 | 643 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 774832 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 774832 | xxxxxx | Cash From Borrower | 0 | 616145.78 | Verified | Field value reflects source document |
| xxxxxx | 773801 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773801 | xxxxxx | Cash From Borrower | 0 | 98465.73 | Verified | Field value reflects source document |
| xxxxxx | 773801 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.71 | 42.18129 | Verified | Field Value DTI is lower than Tape value due to Lender used lower qualifying income than verified by audit. |
| xxxxxx | 773395 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 773395 | xxxxxx | Cash To Borrower | 360000 | 113944.48 | Verified | Field value reflects source document |
| xxxxxx | 773395 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 770377 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 770377 | xxxxxx | Cash From Borrower | 0 | 1486.45 | Verified | Field value reflects source document |
| xxxxxx | 770377 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.426 | 48.90416 | Verified | In line with 1008 DTI |
| xxxxxx | 776160 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 776160 | xxxxxx | Cash To Borrower | 0 | 1880869.15 | Verified | Field value reflects source document |
| xxxxxx | 776160 | xxxxxx | Original CLTV | 65 | 66.33 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776160 | xxxxxx | Original LTV | 65 | 66.33 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 774740 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774740 | xxxxxx | Cash From Borrower | 0 | 212780.21 | Verified | Field value reflects source document |
| xxxxxx | 774740 | xxxxxx | Investor: Qualifying Total Debt Ratio | 10.938 | 27.0381 | Verified | The Field Value DTI of 27.04% is in line with the 1008 DTI of 28.07%. |
| xxxxxx | 775459 | xxxxxx | Representative FICO | 703 | 701 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 775459 | xxxxxx | Cash To Borrower | 75000 | 79432.75 | Verified | Field value reflects source document |
| xxxxxx | 775459 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33 | 27.83056 | Verified | Less credit debt at audit than origination due to excluding installment loan with less than 10 payments remaining. |
| xxxxxx | 773928 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 773928 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773928 | xxxxxx | Property Type | Condotel | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773928 | xxxxxx | Cash From Borrower | 0 | 67252.62 | Verified | Field value reflects source document |
| xxxxxx | 774912 | xxxxxx | Original Term | 360 | 480 | Verified | Field Value reflects the Note value |
| xxxxxx | 774912 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 774912 | xxxxxx | Representative FICO | 680 | 682 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 774912 | xxxxxx | Cash To Borrower | 100000 | 95263.63 | Verified | Field value reflects source document |
| xxxxxx | 774912 | xxxxxx | Investor: Qualifying Total Debt Ratio | 17 | 20.5716 | Verified | Matches 1008 DTI |
| xxxxxx | 773899 | xxxxxx | Representative FICO | 760 | 717 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 773899 | xxxxxx | Cash From Borrower | 0 | 289948.6 | Verified | Field value reflects source document |
| xxxxxx | 773899 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.142 | 48.5034 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 773159 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773159 | xxxxxx | Prepayment Penalty Period (months) | 12 | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 773159 | xxxxxx | Cash From Borrower | 0 | 46802.47 | Verified | Field value reflects source document |
| xxxxxx | 775690 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 775690 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 775690 | xxxxxx | Cash From Borrower | 0 | 415312.32 | Verified | Field value reflects source document |
| xxxxxx | 774051 | xxxxxx | Cash From Borrower | 0 | 175971.18 | Verified | Field value reflects source document |
| xxxxxx | 774188 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 774188 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774188 | xxxxxx | Cash From Borrower | 0 | 1337963.6 | Verified | Field value reflects source document |
| xxxxxx | 774957 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 774957 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 774957 | xxxxxx | Cash From Borrower | 0 | 323967.63 | Verified | Field value reflects source document |
| xxxxxx | 774709 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 774709 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774709 | xxxxxx | Cash From Borrower | 0 | 119742.16 | Verified | Field value reflects source document |
| xxxxxx | 774253 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 774253 | xxxxxx | Cash From Borrower | 0 | 43812.03 | Verified | Field value reflects source document |
| xxxxxx | 774880 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774880 | xxxxxx | Cash From Borrower | 0 | 51506.59 | Verified | Field value reflects source document |
| xxxxxx | 773220 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773220 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773220 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 773220 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 773220 | xxxxxx | Cash To Borrower | 190809.77 | 182732.06 | Verified | Field value reflects source document |
| xxxxxx | 773220 | xxxxxx | Original CLTV | 54.79 | 60.33 | Verified | Delayed Financing. LTV based off documented improvements + purchase price since it is lower than the appraised value |
| xxxxxx | 773220 | xxxxxx | Original LTV | 54.79 | 60.33 | Verified | Delayed Financing. LTV based off documented improvements + purchase price since it is lower than the appraised value |
| xxxxxx | 775165 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 775165 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 775165 | xxxxxx | Cash From Borrower | 0 | 105705.61 | Verified | Field value reflects source document |
| xxxxxx | 775415 | xxxxxx | Cash From Borrower | 0 | 327087.16 | Verified | Field value reflects source document |
| xxxxxx | 775415 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.82 | 31.76811 | Verified | The Field Value DTI of 31.77% is inline with the Approval DTI of 29%. |
| xxxxxx | 776135 | xxxxxx | Cash From Borrower | 0 | 207774.56 | Verified | Field value reflects source document |
| xxxxxx | 775160 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775160 | xxxxxx | Cash From Borrower | 0 | 228365.82 | Verified | Field value reflects source document |
| xxxxxx | 774491 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 774491 | xxxxxx | Original Interest Rate | 7.5 | 7.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 774491 | xxxxxx | Representative FICO | 730 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 774491 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 774491 | xxxxxx | Original CLTV | 57.14 | 54.42 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 774491 | xxxxxx | Original LTV | 57.14 | 54.42 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 774491 | xxxxxx | Prepayment Penalty Period (months) | 24 | 0 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 774491 | xxxxxx | Cash From Borrower | 0 | 340780.52 | Verified | Field value reflects source document |
| xxxxxx | 776458 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776458 | xxxxxx | Cash From Borrower | 0 | 111326.97 | Verified | Field value reflects source document |
| xxxxxx | 772708 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 772708 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772708 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 772708 | xxxxxx | Cash From Borrower | 0 | 273661.74 | Verified | Field value reflects source document |
| xxxxxx | 772708 | xxxxxx | Investor: Qualifying Total Debt Ratio | 7.425 | 30.68563 | Verified | Matches 1008 DTI |
| xxxxxx | 775046 | xxxxxx | Cash To Borrower | 336387 | 306890.77 | Verified | Field value reflects source document |
| xxxxxx | 772968 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772968 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772968 | xxxxxx | Cash From Borrower | 0 | 127261.06 | Verified | Field value reflects source document |
| xxxxxx | 775846 | xxxxxx | Cash From Borrower | 0 | 189922.88 | Verified | Field value reflects source document |
| xxxxxx | 773903 | xxxxxx | Cash From Borrower | 0 | 218475.46 | Verified | Field value reflects source document |
| xxxxxx | 773903 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.169 | 41.07307 | Verified | DTI lower due to excluding authorized user account per updated guidance. |
| xxxxxx | 773741 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 773741 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773741 | xxxxxx | Cash From Borrower | 0 | 510842.67 | Verified | Field value reflects source document |
| xxxxxx | 773741 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 46.74409 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 776449 | xxxxxx | Doc Type | Fastrack | Reduced | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 776439 | xxxxxx | Cash From Borrower | 0 | 180687.13 | Verified | Field value reflects source document |
| xxxxxx | 775574 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775574 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775574 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 775574 | xxxxxx | Cash From Borrower | 0 | 56254.19 | Verified | Field value reflects source document |
| xxxxxx | 773289 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773289 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773289 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 773289 | xxxxxx | Cash To Borrower | 133227.89 | 111957.86 | Verified | Field value reflects source document |
| xxxxxx | 773289 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.7 | 37.20687 | Verified | The Field Value DTI of 37.21% is in line with the 1008 DTI of 37.16%. |
| xxxxxx | 773699 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773699 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 773699 | xxxxxx | Cash To Borrower | 94694.15 | 16059.84 | Verified | Field value reflects source document |
| xxxxxx | 773699 | xxxxxx | Investor: Qualifying Total Debt Ratio | 1 | 28.22658 | Verified | Matches 1008 DTI |
| xxxxxx | 775167 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775167 | xxxxxx | Cash From Borrower | 0 | 296498.52 | Verified | Field value reflects source document |
| xxxxxx | 773100 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773100 | xxxxxx | Cash To Borrower | 1000 | 361220.95 | Verified | Field value reflects source document |
| xxxxxx | 775906 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775906 | xxxxxx | Cash From Borrower | 0 | 69682.93 | Verified | Field value reflects source document |
| xxxxxx | 776143 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 776143 | xxxxxx | Cash From Borrower | 0 | 2078590.11 | Verified | Field value reflects source document |
| xxxxxx | 773014 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773014 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 773014 | xxxxxx | Cash From Borrower | 0 | 107062.55 | Verified | Field value reflects source document |
| xxxxxx | 773014 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.9 | 29.9345 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 774106 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774106 | xxxxxx | Cash From Borrower | 0 | 402480.93 | Verified | Field value reflects source document |
| xxxxxx | 774106 | xxxxxx | Investor: Qualifying Total Debt Ratio | 14.5 | 47.74303 | Verified | Within 3% of 1008 DTI of 46.716%. |
| xxxxxx | 770413 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 770413 | xxxxxx | Representative FICO | 625 | 626 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 770413 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 770413 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 770413 | xxxxxx | Cash To Borrower | 100000 | 85827.99 | Verified | Field value reflects source document |
| xxxxxx | 770413 | xxxxxx | Original CLTV | 47.37 | 42.35 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 770413 | xxxxxx | Original LTV | 47.37 | 42.35 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 770413 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 770413 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24 | 20.08434 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 775949 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775949 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 775949 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 775949 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 775949 | xxxxxx | Cash From Borrower | 0 | 171314.59 | Verified | Field value reflects source document |
| xxxxxx | 774936 | xxxxxx | Cash From Borrower | 0 | 446357.89 | Verified | Field value reflects source document |
| xxxxxx | 774936 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.537 | 48.7588 | Verified | Field Value DTI of 48.76% is in line with the 1008 DTI of 48.76%. |
| xxxxxx | 774930 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 774930 | xxxxxx | Cash To Borrower | 44722 | 43337.52 | Verified | Field value reflects source document |
| xxxxxx | 774930 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33 | 29.99661 | Verified | Lower DTI due to debt paid off at closing. |
| xxxxxx | 774255 | xxxxxx | Cash From Borrower | 0 | 69768.03 | Verified | Field value reflects source document |
| xxxxxx | 776140 | xxxxxx | Representative FICO | 754 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776140 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 776140 | xxxxxx | Original CLTV | 76.56 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 776140 | xxxxxx | Original LTV | 76.56 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 776140 | xxxxxx | Cash From Borrower | 0 | 97119.75 | Verified | Field value reflects source document |
| xxxxxx | 774673 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 774673 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 774673 | xxxxxx | Cash From Borrower | 0 | 386549.63 | Verified | Field value reflects source document |
| xxxxxx | 774673 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.752 | 37.51464 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 776153 | xxxxxx | Interest Rate Life Floor | 7.75 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 776153 | xxxxxx | Cash From Borrower | 0 | 74301.01 | Verified | Field value reflects source document |
| xxxxxx | 775508 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775508 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775508 | xxxxxx | Cash From Borrower | 0 | 208042.59 | Verified | Field value reflects source document |
| xxxxxx | 775508 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.133 | 38.26856 | Verified | Matches 1008 DTI |
| xxxxxx | 775499 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 775499 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775499 | xxxxxx | Original CLTV | 70 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775499 | xxxxxx | Original LTV | 70 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775499 | xxxxxx | Cash From Borrower | 0 | 702065.25 | Verified | Field value reflects source document |
| xxxxxx | 775943 | xxxxxx | Interest Rate Life Floor | 10.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 775943 | xxxxxx | Cash From Borrower | 0 | 152165 | Verified | Field value reflects source document |
| xxxxxx | 775573 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775573 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 775573 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 775573 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 775573 | xxxxxx | Cash From Borrower | 0 | 116207.95 | Verified | Field value reflects source document |
| xxxxxx | 773642 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773642 | xxxxxx | Cash From Borrower | 0 | 7926.77 | Verified | Field value reflects source document |
| xxxxxx | 773642 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.029 | 42.65653 | Verified | In line with 1008 DTI |
| xxxxxx | 776087 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776087 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776087 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 776087 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30 | 22.72698 | Verified | Higher income calculated at audit |
| xxxxxx | 775308 | xxxxxx | Cash From Borrower | 0 | 265582.89 | Verified | Field value reflects source document |
| xxxxxx | 774122 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 774122 | xxxxxx | Cash To Borrower | 689535 | 479405.19 | Verified | Field value reflects source document |
| xxxxxx | 774122 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28 | 40.92085 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 775866 | xxxxxx | Representative FICO | 626 | 640 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 775866 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 775866 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 775866 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 775866 | xxxxxx | Cash From Borrower | 0 | 281434.97 | Verified | Field value reflects source document |
| xxxxxx | 775866 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.6 | 48.59614 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 775667 | xxxxxx | Cash From Borrower | 0 | 193683.16 | Verified | Field value reflects source document |
| xxxxxx | 775667 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.521 | 34.17505 | Verified | Field Value DTI is in line with 1008 DTI. |
| xxxxxx | 776295 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776295 | xxxxxx | Representative FICO | 772 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776295 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33 | 42.24592 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 776085 | xxxxxx | Cash From Borrower | 0 | 43950.7 | Verified | Field value reflects source document |
| xxxxxx | 771756 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 771756 | xxxxxx | Cash To Borrower | 108861.19 | 106661.41 | Verified | Field value reflects source document |
| xxxxxx | 771756 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.379 | 46.89964 | Verified | Field DTI is the same as the 1008 DTI. |
| xxxxxx | 775834 | xxxxxx | Cash From Borrower | 0 | 189554.02 | Verified | Field value reflects source document |
| xxxxxx | 775834 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.26 | 31.26304 | Verified | Field Value DTI is in line with the 1008 DTI. |
| xxxxxx | 775904 | xxxxxx | Cash To Borrower | 47000 | 57961.85 | Verified | Field value reflects source document |
| xxxxxx | 775904 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.036 | 49.22946 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 775704 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775704 | xxxxxx | Cash To Borrower | 1000 | 953912.38 | Verified | Field value reflects source document |
| xxxxxx | 775704 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12.027 | 16.87343 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 776367 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776367 | xxxxxx | Cash From Borrower | 0 | 214812.66 | Verified | Field value reflects source document |
| xxxxxx | 775742 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775742 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 775742 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775742 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775742 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 775742 | xxxxxx | Cash From Borrower | 0 | 143005.67 | Verified | Field value reflects source document |
| xxxxxx | 773433 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773433 | xxxxxx | Cash From Borrower | 0 | 231651.62 | Verified | Field value reflects source document |
| xxxxxx | 773433 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.93 | 38.57853 | Verified | Matches 1008 DTI |
| xxxxxx | 773638 | xxxxxx | Cash From Borrower | 0 | 9467.97 | Verified | Field value reflects source document |
| xxxxxx | 773638 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.901 | 45.75054 | Verified | Lower field Value DTI |
| xxxxxx | 774905 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 774905 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 774905 | xxxxxx | Cash From Borrower | 0 | 143994.32 | Verified | Field value reflects source document |
| xxxxxx | 775983 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775983 | xxxxxx | Cash To Borrower | 136000 | 137599.93 | Verified | Field value reflects source document |
| xxxxxx | 775983 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32.555 | 34.67525 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 774644 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774644 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 774644 | xxxxxx | Cash From Borrower | 0 | 118888.54 | Verified | Field value reflects source document |
| xxxxxx | 774644 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.39 | 53.10297 | Verified | Matches 1008 DTI |
| xxxxxx | 774728 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 774728 | xxxxxx | Cash From Borrower | 0 | 122560.23 | Verified | Field value reflects source document |
| xxxxxx | 776578 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776578 | xxxxxx | Cash From Borrower | 0 | 566546.08 | Verified | Field value reflects source document |
| xxxxxx | 772859 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 772859 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772859 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772859 | xxxxxx | Cash From Borrower | 0 | 184224.76 | Verified | Field value reflects source document |
| xxxxxx | 772859 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.029 | 49.51148 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 777079 | xxxxxx | Cash From Borrower | 0 | 64897.36 | Verified | Field value reflects source document |
| xxxxxx | 776018 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776018 | xxxxxx | Representative FICO | 744 | 701 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776018 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776018 | xxxxxx | Cash From Borrower | 0 | 110532.49 | Verified | Field value reflects source document |
| xxxxxx | 776018 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.195 | 47.75848 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 775733 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775733 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775733 | xxxxxx | Cash To Borrower | 258595 | 193999.53 | Verified | Field value reflects source document |
| xxxxxx | 775733 | xxxxxx | Original CLTV | 55.02 | 58.31 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 775733 | xxxxxx | Original LTV | 55.02 | 58.31 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 775733 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.711 | 48.30529 | Verified | Matches approval DTI |
| xxxxxx | 777269 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777269 | xxxxxx | Cash From Borrower | 0 | 266595 | Verified | Field value reflects source document |
| xxxxxx | 777264 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777264 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 777264 | xxxxxx | Cash From Borrower | 0 | 154362.8 | Verified | Field value reflects source document |
| xxxxxx | 777257 | xxxxxx | Cash To Borrower | 0 | 231515.22 | Verified | Field value reflects source document |
| xxxxxx | 777257 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.967 | 39.62207 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 776495 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776495 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776495 | xxxxxx | Cash To Borrower | 87521 | 58900.75 | Verified | Field value reflects source document |
| xxxxxx | 774019 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 774019 | xxxxxx | Cash From Borrower | 0 | 331906.81 | Verified | Field value reflects source document |
| xxxxxx | 774019 | xxxxxx | Investor: Qualifying Total Debt Ratio | 10 | 7.39944 | Verified | Field Value DTI is in line with the 1008 DTI. |
| xxxxxx | 775820 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775820 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775820 | xxxxxx | Cash From Borrower | 0 | 195410.5 | Verified | Field value reflects source document |
| xxxxxx | 774999 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 774999 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 774999 | xxxxxx | Cash From Borrower | 0 | 75392.34 | Verified | Field value reflects source document |
| xxxxxx | 774996 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 774996 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 774996 | xxxxxx | Cash From Borrower | 0 | 223217.7 | Verified | Field value reflects source document |
| xxxxxx | 775255 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775255 | xxxxxx | Cash From Borrower | 0 | 100318.99 | Verified | Field value reflects source document |
| xxxxxx | 777140 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the ARM rider |
| xxxxxx | 777140 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the ARM rider |
| xxxxxx | 777140 | xxxxxx | Cash From Borrower | 0 | 1707013.11 | Verified | Field value reflects source document |
| xxxxxx | 777140 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.224 | 48.23083 | Verified | Post review, client requested removal of account. Not required to qualify. |
| xxxxxx | 775378 | xxxxxx | Cash From Borrower | 0 | 99491.03 | Verified | Field value reflects source document |
| xxxxxx | 775378 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.352 | 39.12487 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 776117 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776117 | xxxxxx | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776117 | xxxxxx | Cash From Borrower | 0 | 147577.65 | Verified | Field value reflects source document |
| xxxxxx | 776117 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.64 | 25.52537 | Verified | AdDebt was eliminted due to less than 10 months. |
| xxxxxx | 776360 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 776360 | xxxxxx | Cash From Borrower | 0 | 285826.45 | Verified | Field value reflects source document |
| xxxxxx | 776360 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.34 | 41.9069 | Verified | Unable to verify due to missing information |
| xxxxxx | 777069 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 777069 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 777069 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777069 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 777069 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the ARM rider |
| xxxxxx | 777069 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the ARM rider |
| xxxxxx | 777069 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 777069 | xxxxxx | Cash From Borrower | 0 | 189284.55 | Verified | Field value reflects source document |
| xxxxxx | 776090 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776090 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776090 | xxxxxx | Cash From Borrower | 0 | 109835.43 | Verified | Field value reflects source document |
| xxxxxx | 775734 | xxxxxx | Cash From Borrower | 0 | 140812.58 | Verified | Field value reflects source document |
| xxxxxx | 775734 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 48.14505 | Verified | Matches 1008 DTI |
| xxxxxx | 776271 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776271 | xxxxxx | Cash To Borrower | 192372.11 | 194591.95 | Verified | Field value reflects source document |
| xxxxxx | 772590 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772590 | xxxxxx | Cash From Borrower | 0 | 65139.08 | Verified | Field value reflects source document |
| xxxxxx | 776486 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 776486 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776486 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776486 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776486 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 776486 | xxxxxx | Cash From Borrower | 0 | 225959.9 | Verified | Field value reflects source document |
| xxxxxx | 775856 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775856 | xxxxxx | Cash To Borrower | 166294.03 | 164016.57 | Verified | Field value reflects source document |
| xxxxxx | 775303 | xxxxxx | Cash From Borrower | 0 | 388581.66 | Verified | Field value reflects source document |
| xxxxxx | 775303 | xxxxxx | Investor: Qualifying Total Debt Ratio | 11.031 | 8.34194 | Verified | removed the authorized user liability for audit |
| xxxxxx | 776046 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 776046 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776046 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Tape Value reflects Purchase Price |
| xxxxxx | 776046 | xxxxxx | Cash From Borrower | 0 | 176760.87 | Verified | Field value reflects source document |
| xxxxxx | 776467 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776467 | xxxxxx | Cash From Borrower | 0 | 248263.81 | Verified | Field value reflects source document |
| xxxxxx | 776967 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776967 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776967 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776967 | xxxxxx | Cash From Borrower | 0 | 148230.91 | Verified | Field value reflects source document |
| xxxxxx | 776543 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776543 | xxxxxx | Cash From Borrower | 0 | 81835.75 | Verified | Field value reflects source document |
| xxxxxx | 773285 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 773285 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49 | 36.8001 | Verified | Qualifying Total Debt Ratio is less than bid tape value due high income. |
| xxxxxx | 774952 | xxxxxx | Representative FICO | 732 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 774952 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774952 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 774952 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 774952 | xxxxxx | Cash From Borrower | 0 | 118052.43 | Verified | Field value reflects source document |
| xxxxxx | 777493 | xxxxxx | Cash From Borrower | 0 | 238868.3 | Verified | Field value reflects source document |
| xxxxxx | 773291 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 773291 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773291 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773291 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 773291 | xxxxxx | Cash To Borrower | 400000 | 1400.52 | Verified | Field value reflects source document |
| xxxxxx | 773291 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 773291 | xxxxxx | Investor: Qualifying Total Debt Ratio | 7.806 | 12.11872 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 776544 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776544 | xxxxxx | Cash From Borrower | 0 | 99407.01 | Verified | Field value reflects source document |
| xxxxxx | 776544 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.77 | 14.34812 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 777623 | xxxxxx | Cash From Borrower | 0 | 92321.43 | Verified | Field value reflects source document |
| xxxxxx | 777623 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23 | 19.14717 | Verified | In line with 1008 DTI of 19.162%. |
| xxxxxx | 776020 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776020 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776020 | xxxxxx | Cash To Borrower | 174000 | 163482.55 | Verified | Field value reflects source document |
| xxxxxx | 776020 | xxxxxx | Original CLTV | 58.98 | 43.5 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776020 | xxxxxx | Original LTV | 58.98 | 43.5 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776020 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 776020 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30 | 24.10215 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 777212 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777212 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777212 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 777212 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 777212 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 777212 | xxxxxx | Cash From Borrower | 0 | 171253.19 | Verified | Field value reflects source document |
| xxxxxx | 774906 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 774906 | xxxxxx | Cash From Borrower | 0 | 185498.11 | Verified | Field value reflects source document |
| xxxxxx | 774549 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 774549 | xxxxxx | Cash To Borrower | 44608 | 44285.68 | Verified | Field value reflects source document |
| xxxxxx | 774549 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.97 | 49.65747 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 776347 | xxxxxx | Cash To Borrower | 25000 | 45440.54 | Verified | Field value reflects source document |
| xxxxxx | 776347 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49 | 45.9454 | Verified | 1008 DTI is reflected as 40.798%. The Field Value DTI is higher than the 1008 DTI due to the Lender did not include one installment loan with a payment of $517 in the total monthly payments. |
| xxxxxx | 776482 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776482 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776482 | xxxxxx | Cash To Borrower | 700000 | 746297.28 | Verified | Field value reflects source document |
| xxxxxx | 776538 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776538 | xxxxxx | Cash From Borrower | 0 | 160593.17 | Verified | Field value reflects source document |
| xxxxxx | 778232 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778232 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 778232 | xxxxxx | Cash To Borrower | 0 | 188527.16 | Verified | Field value reflects source document |
| xxxxxx | 778232 | xxxxxx | Appraisal Effective Date | 2022-05-09 | 2022-05-12 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 778018 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778018 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778018 | xxxxxx | Cash From Borrower | 0 | 191456.1 | Verified | Field value reflects source document |
| xxxxxx | 778070 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778070 | xxxxxx | Cash From Borrower | 0 | 446229.07 | Verified | Field value reflects source document |
| xxxxxx | 777938 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777938 | xxxxxx | Cash From Borrower | 0 | 133313.51 | Verified | Field value reflects source document |
| xxxxxx | 778330 | xxxxxx | Cash From Borrower | 0 | 204187.91 | Verified | Field value reflects source document |
| xxxxxx | 778330 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.576 | 16.92545 | Verified | DTI is verified and correct |
| xxxxxx | 776522 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776522 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776522 | xxxxxx | Cash From Borrower | 0 | 83552.34 | Verified | Field value reflects source document |
| xxxxxx | 776522 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.644 | 46.35452 | Verified | within 3% of the approval DTI of 48.177% |
| xxxxxx | 777466 | xxxxxx | Cash From Borrower | 0 | 156248.53 | Verified | Field value reflects source document |
| xxxxxx | 777675 | xxxxxx | Cash From Borrower | 0 | 175202.82 | Verified | Field value reflects source document |
| xxxxxx | 778484 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778484 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778484 | xxxxxx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| xxxxxx | 778484 | xxxxxx | Original CLTV | 53.09 | 55.62 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778484 | xxxxxx | Original LTV | 53.09 | 55.62 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778484 | xxxxxx | Cash From Borrower | 0 | 263033.84 | Verified | Field value reflects source document |
| xxxxxx | 778484 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.839 | 42.94802 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 775715 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775715 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 775715 | xxxxxx | Cash From Borrower | 0 | 159075.18 | Verified | Field value reflects source document |
| xxxxxx | 777940 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777940 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777940 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 777940 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 777940 | xxxxxx | Cash From Borrower | 0 | 275614.23 | Verified | Field value reflects source document |
| xxxxxx | 776829 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 776829 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 776829 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776829 | xxxxxx | Original CLTV | 54.5 | 65.55 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776829 | xxxxxx | Original LTV | 54.5 | 65.55 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776829 | xxxxxx | Cash From Borrower | 0 | 400.12 | Verified | Field value reflects source document |
| xxxxxx | 776829 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 26.22933 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 775474 | xxxxxx | Representative FICO | 745 | 748 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 775474 | xxxxxx | Cash From Borrower | 0 | 322763.21 | Verified | Field value reflects source document |
| xxxxxx | 778030 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778030 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778030 | xxxxxx | Cash From Borrower | 0 | 98765.65 | Verified | Field value reflects source document |
| xxxxxx | 778569 | xxxxxx | Cash From Borrower | 0 | 79848.39 | Verified | Field value reflects source document |
| xxxxxx | 777911 | xxxxxx | Cash From Borrower | 0 | 198967.58 | Verified | Field value reflects source document |
| xxxxxx | 772143 | xxxxxx | Cash From Borrower | 0 | 316708.35 | Verified | Field value reflects source document |
| xxxxxx | 772143 | xxxxxx | Investor: Qualifying Total Debt Ratio | 7 | 12.45539 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 777419 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 777419 | xxxxxx | Original Interest Rate | 6.875 | 8 | Verified | Field Value reflects the Note value |
| xxxxxx | 777419 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777419 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777419 | xxxxxx | Original CLTV | 80 | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 777419 | xxxxxx | Original LTV | 80 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 777419 | xxxxxx | Cash From Borrower | 0 | 299313.67 | Verified | Field value reflects source document |
| xxxxxx | 777419 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.139 | 18.87167 | Verified | Field Value DTI is lower than Tape value due to Lender used lower qualifying income than verified by audit. |
| xxxxxx | 777656 | xxxxxx | Representative FICO | 674 | 673 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 777656 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777656 | xxxxxx | Cash From Borrower | 0 | 82085.63 | Verified | Field value reflects source document |
| xxxxxx | 776194 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776194 | xxxxxx | Cash To Borrower | 465749 | 438840.61 | Verified | Field value reflects source document |
| xxxxxx | 778028 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778028 | xxxxxx | Cash From Borrower | 0 | 66468.76 | Verified | Field value reflects source document |
| xxxxxx | 777065 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 777065 | xxxxxx | Cash From Borrower | 0 | 325716.65 | Verified | Field value reflects source document |
| xxxxxx | 777065 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.84 | 40.45411 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 777538 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777538 | xxxxxx | Cash From Borrower | 0 | 244275 | Verified | Field value reflects source document |
| xxxxxx | 777538 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.92 | 46.92066 | Verified | Field Value is lower by 3% than tape value. |
| xxxxxx | 777817 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 777817 | xxxxxx | Cash From Borrower | 0 | 500 | Verified | Field value reflects source document |
| xxxxxx | 775712 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775712 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 775712 | xxxxxx | Cash From Borrower | 0 | 305996.92 | Verified | Field value reflects source document |
| xxxxxx | 775712 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.769 | 37.77673 | Verified | Unable to verify due to missing information |
| xxxxxx | 777539 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777539 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777539 | xxxxxx | Cash From Borrower | 0 | 212115.92 | Verified | Field value reflects source document |
| xxxxxx | 777539 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.4 | 26.62988 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 778149 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778149 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778149 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778149 | xxxxxx | Original CLTV | 55 | 53.05 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778149 | xxxxxx | Original LTV | 55 | 53.05 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778149 | xxxxxx | Cash From Borrower | 0 | 325713.27 | Verified | Field value reflects source document |
| xxxxxx | 778149 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49 | 42.27173 | Verified | Unable to determine reason for ratio difference. The 1008 reflects a DTI of 61.49%. |
| xxxxxx | 777316 | xxxxxx | Cash From Borrower | 0 | 241192.1 | Verified | Field value reflects source document |
| xxxxxx | 777316 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27 | 33.06029 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 775730 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775730 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775730 | xxxxxx | Doc Type | Reduced | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 775730 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775730 | xxxxxx | Cash From Borrower | 0 | 619660.54 | Verified | Field value reflects source document |
| xxxxxx | 775730 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.335 | 39.27727 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 777439 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777439 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 777439 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 777439 | xxxxxx | Cash To Borrower | 156538 | 127858.09 | Verified | Field value reflects source document |
| xxxxxx | 777439 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.735 | 41.56667 | Verified | The Field Value DTI is higher than the 1008 DTI of 36.129% due to the lender used a lower debt to qualify the loan. |
| xxxxxx | 778890 | xxxxxx | Cash To Borrower | 500000 | 495580.02 | Verified | Field value reflects source document |
| xxxxxx | 776564 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 776564 | xxxxxx | Cash To Borrower | 155250 | 137059.38 | Verified | Field value reflects source document |
| xxxxxx | 777519 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 777519 | xxxxxx | Cash From Borrower | 0 | 248473.23 | Verified | Field value reflects source document |
| xxxxxx | 777519 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27 | 31.40893 | Verified | Unable to verify due to missing information |
| xxxxxx | 776513 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 776513 | xxxxxx | Cash From Borrower | 0 | 75916.63 | Verified | Field value reflects source document |
| xxxxxx | 776513 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48 | 24.07121 | Verified | Field Value DTI is within 3% of the 1008 DTI of 23.911%. |
| xxxxxx | 775719 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775719 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775719 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 775719 | xxxxxx | Cash From Borrower | 0 | 152806.99 | Verified | Field value reflects source document |
| xxxxxx | 777102 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777102 | xxxxxx | Cash To Borrower | 278953.24 | 238934.44 | Verified | Field value reflects source document |
| xxxxxx | 777532 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777532 | xxxxxx | Cash To Borrower | 80000 | 58286.29 | Verified | Field value reflects source document |
| xxxxxx | 779103 | xxxxxx | Cash From Borrower | 0 | 330999.74 | Verified | Field value reflects source document |
| xxxxxx | 777180 | xxxxxx | Cash From Borrower | 0 | 109546.92 | Verified | Field value reflects source document |
| xxxxxx | 777180 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.91 | 21.33979 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 776983 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776983 | xxxxxx | Cash From Borrower | 0 | 50972.46 | Verified | Field value reflects source document |
| xxxxxx | 777145 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777145 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777145 | xxxxxx | Cash From Borrower | 0 | 83256.27 | Verified | Field value reflects source document |
| xxxxxx | 777145 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.121 | 52.50798 | Verified | Audit income and debts |
| xxxxxx | 777531 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777531 | xxxxxx | Doc Type | Reduced | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 777531 | xxxxxx | Cash To Borrower | 755000 | 559303.35 | Verified | Field value reflects source document |
| xxxxxx | 778566 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 778566 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778566 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778566 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778566 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778566 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778566 | xxxxxx | Cash From Borrower | 0 | 6758 | Verified | Field value reflects source document |
| xxxxxx | 778105 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778105 | xxxxxx | Cash From Borrower | 0 | 176845.67 | Verified | Field value reflects source document |
| xxxxxx | 778064 | xxxxxx | Cash To Borrower | 589690.23 | 589165.23 | Verified | Field value reflects source document |
| xxxxxx | 778064 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.021 | 41.96224 | Verified | Verified |
| xxxxxx | 777339 | xxxxxx | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| xxxxxx | 777339 | xxxxxx | Interest Rate Life Cap | 0 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 777339 | xxxxxx | Cash To Borrower | 747516.46 | 52008.28 | Verified | Field value reflects source document |
| xxxxxx | 779015 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 779015 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779015 | xxxxxx | Cash To Borrower | 334205 | 315254.48 | Verified | Field value reflects source document |
| xxxxxx | 778864 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778864 | xxxxxx | Cash From Borrower | 0 | 92326.76 | Verified | Field value reflects source document |
| xxxxxx | 778864 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.16 | 45.09914 | Verified | This is due to the taxes and insurance reflecting on the final 1003, however taxes and insurance included in the PITIA per mortgage statement. |
| xxxxxx | 776839 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776839 | xxxxxx | Cash From Borrower | 0 | 221971.88 | Verified | Field value reflects source document |
| xxxxxx | 777542 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777542 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777542 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 777542 | xxxxxx | Cash From Borrower | 0 | 68036.92 | Verified | Field value reflects source document |
| xxxxxx | 779041 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779041 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779041 | xxxxxx | Doc Type | Full | FastEasy | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 779041 | xxxxxx | Cash To Borrower | 32372.92 | 21995.63 | Verified | Field value reflects source document |
| xxxxxx | 779041 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.9 | 41.42019 | Verified | DTI verified |
| xxxxxx | 777915 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777915 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777915 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 777915 | xxxxxx | Cash From Borrower | 0 | 43036.23 | Verified | Field value reflects source document |
| xxxxxx | 777915 | xxxxxx | Investor: Qualifying Total Debt Ratio | 9 | 12.70222 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 778178 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778178 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778178 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778178 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 778178 | xxxxxx | Original CLTV | 77.87 | 79.18 | Verified | CDA value utilized |
| xxxxxx | 778178 | xxxxxx | Original LTV | 77.87 | 79.18 | Verified | CDA value utilized |
| xxxxxx | 778178 | xxxxxx | Cash From Borrower | 0 | 430026.52 | Verified | Field value reflects source document |
| xxxxxx | 778178 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30 | 46.44331 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 778056 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778056 | xxxxxx | Cash From Borrower | 0 | 172160.79 | Verified | Field value reflects source document |
| xxxxxx | 778367 | xxxxxx | Cash To Borrower | 44756 | 47700.96 | Verified | Field value reflects source document |
| xxxxxx | 777298 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777298 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777298 | xxxxxx | Cash From Borrower | 0 | 65934.24 | Verified | Field value reflects source document |
| xxxxxx | 778125 | xxxxxx | Cash To Borrower | 200000 | 186535.3 | Verified | Field value reflects source document |
| xxxxxx | 776842 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776842 | xxxxxx | Cash From Borrower | 0 | 131501.37 | Verified | Field value reflects source document |
| xxxxxx | 777593 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777593 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 777593 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777593 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 777593 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 777593 | xxxxxx | Cash To Borrower | 648750 | 606418.76 | Verified | Field value reflects source document |
| xxxxxx | 777593 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23 | 33.36155 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 775585 | xxxxxx | Representative FICO | 649 | 653 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 775585 | xxxxxx | Cash From Borrower | 0 | 84088.03 | Verified | Field value reflects source document |
| xxxxxx | 775585 | xxxxxx | Investor: Qualifying Total Debt Ratio | 15 | 35.5177 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 776556 | xxxxxx | Cash From Borrower | 0 | 82004.09 | Verified | Field value reflects source document |
| xxxxxx | 776556 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.198 | 17.385 | Verified | Higher income calculated at audit. |
| xxxxxx | 777359 | xxxxxx | Representative FICO | 680 | 676 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 777359 | xxxxxx | Cash From Borrower | 0 | 257377.19 | Verified | Field value reflects source document |
| xxxxxx | 777485 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 777485 | xxxxxx | Cash From Borrower | 0 | 301683.77 | Verified | Field value reflects source document |
| xxxxxx | 778106 | xxxxxx | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 778106 | xxxxxx | Cash From Borrower | 0 | 29420.21 | Verified | Field value reflects source document |
| xxxxxx | 777117 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777117 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 777117 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 777117 | xxxxxx | Cash From Borrower | 0 | 148329.55 | Verified | Field value reflects source document |
| xxxxxx | 778466 | xxxxxx | Cash From Borrower | 0 | 169133.77 | Verified | Field value reflects source document |
| xxxxxx | 778466 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 2.03187 | Verified | Matches 1008 DTI |
| xxxxxx | 778563 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778563 | xxxxxx | Cash From Borrower | 0 | 55466.39 | Verified | Field value reflects source document |
| xxxxxx | 773994 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773994 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773994 | xxxxxx | Doc Type | Fastrack | Full | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 773994 | xxxxxx | Cash To Borrower | 829186 | 191274.19 | Verified | Field value reflects source document |
| xxxxxx | 777663 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777663 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 777663 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 777663 | xxxxxx | Cash From Borrower | 0 | 116897.51 | Verified | Field value reflects source document |
| xxxxxx | 778066 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778066 | xxxxxx | Cash From Borrower | 0 | 98289.17 | Verified | Field value reflects source document |
| xxxxxx | 778066 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.638 | 31.91641 | Verified | Rental income used per 1008 in file results in lower DTI. |
| xxxxxx | 778857 | xxxxxx | Original P&I | 9102 | 9102.12 | Verified | Field Value reflects Note value |
| xxxxxx | 778857 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778857 | xxxxxx | Cash To Borrower | 154211.72 | 134997.41 | Verified | Field value reflects source document |
| xxxxxx | 777695 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777695 | xxxxxx | Cash To Borrower | 81714 | 67630.47 | Verified | Field value reflects source document |
| xxxxxx | 777807 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 777807 | xxxxxx | Cash From Borrower | 0 | 167450.7 | Verified | Field value reflects source document |
| xxxxxx | 777807 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.609 | 15.45492 | Verified | Higher income calculated at audit, resulting in lower DTI. |
| xxxxxx | 776642 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776642 | xxxxxx | Cash To Borrower | 117665.6 | 17677.39 | Verified | Field value reflects source document |
| xxxxxx | 776642 | xxxxxx | Investor: Qualifying Total Debt Ratio | 18.92 | 21.48824 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 778035 | xxxxxx | Cash From Borrower | 0 | 106923.91 | Verified | Field value reflects source document |
| xxxxxx | 778035 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 35.10933 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 779506 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 779506 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779506 | xxxxxx | Cash From Borrower | 0 | 687080.61 | Verified | Field value reflects source document |
| xxxxxx | 778928 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778928 | xxxxxx | Cash To Borrower | 138970 | 169659.64 | Verified | Field value reflects source document |
| xxxxxx | 778928 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779564 | xxxxxx | Cash From Borrower | 0 | 308897.06 | Verified | Field value reflects source document |
| xxxxxx | 779564 | xxxxxx | Investor: Qualifying Total Debt Ratio | 18.568 | 38.43955 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 778951 | xxxxxx | Representative FICO | 743 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778951 | xxxxxx | Cash From Borrower | 0 | 315879 | Verified | Field value reflects source document |
| xxxxxx | 778951 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.74 | 33.52436 | Verified | Lower debt based on gap credit reports proided. |
| xxxxxx | 778167 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778167 | xxxxxx | Doc Type | Fastrack | Reduced | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 778167 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 778167 | xxxxxx | Cash From Borrower | 0 | 92549.86 | Verified | Field value reflects source document |
| xxxxxx | 778167 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.66 | 44.38341 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 777411 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777411 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777411 | xxxxxx | Cash To Borrower | 30000 | 182322.04 | Verified | Field value reflects source document |
| xxxxxx | 777411 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.185 | 39.06909 | Verified | In line with approval/1008 DTI |
| xxxxxx | 779059 | xxxxxx | Cash From Borrower | 0 | 200351.9 | Verified | Field value reflects source document |
| xxxxxx | 779533 | xxxxxx | Cash From Borrower | 0 | 154692.9 | Verified | Field value reflects source document |
| xxxxxx | 777824 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777824 | xxxxxx | Refi Purpose | Cash-out - Other | Cash-out - Home Improvement | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 777824 | xxxxxx | Cash To Borrower | 241275 | 152929.17 | Verified | Field value reflects source document |
| xxxxxx | 777824 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779252 | xxxxxx | Cash From Borrower | 0 | 156237.44 | Verified | Field value reflects source document |
| xxxxxx | 779227 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779227 | xxxxxx | Cash From Borrower | 0 | 306684.36 | Verified | Field value reflects source document |
| xxxxxx | 777810 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777810 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 777810 | xxxxxx | Cash From Borrower | 0 | 100701.46 | Verified | Field value reflects source document |
| xxxxxx | 777132 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777132 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777132 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777132 | xxxxxx | Cash To Borrower | 919762.14 | 844777.55 | Verified | Field value reflects source document |
| xxxxxx | 777132 | xxxxxx | Original CLTV | 48.96 | 50 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 777132 | xxxxxx | Original LTV | 48.96 | 50 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778366 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778366 | xxxxxx | Cash To Borrower | 151610 | 99036 | Verified | Field value reflects source document |
| xxxxxx | 778366 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779128 | xxxxxx | Representative FICO | 672 | 683 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 779128 | xxxxxx | Cash From Borrower | 0 | 261528.97 | Verified | Field value reflects source document |
| xxxxxx | 779128 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.991 | 38.68178 | Verified | There is an amex account in collection that was excluded due to sufficient reserves/assets. |
| xxxxxx | 778208 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778208 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 778208 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 778208 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 778208 | xxxxxx | Cash From Borrower | 0 | 88243.27 | Verified | Field value reflects source document |
| xxxxxx | 776011 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776011 | xxxxxx | Cash From Borrower | 0 | 185307.22 | Verified | Field value reflects source document |
| xxxxxx | 776011 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.074 | 24.78681 | Verified | Unable to verify due to missing information |
| xxxxxx | 778679 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778679 | xxxxxx | Cash From Borrower | 0 | 870703.57 | Verified | Field value reflects source document |
| xxxxxx | 779643 | xxxxxx | Index Type | US Treasury - 1 Year CMT (Monthly) | US Treasury - 1 Year CMT (Weekly) | Verified | Field Value reflects 'Index Type' per the Note |
| xxxxxx | 779643 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 779643 | xxxxxx | Interest Rate Life Floor | 1.75 | 3.625 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 779643 | xxxxxx | Cash From Borrower | 0 | 143489.49 | Verified | Field value reflects source document |
| xxxxxx | 778547 | xxxxxx | Cash From Borrower | 0 | 185998.75 | Verified | Field value reflects source document |
| xxxxxx | 778547 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.015 | 34.67484 | Verified | In line with 1008 DTI of 35.437%. |
| xxxxxx | 777657 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777657 | xxxxxx | Cash From Borrower | 0 | 325947.76 | Verified | Field value reflects source document |
| xxxxxx | 777657 | xxxxxx | Investor: Qualifying Total Debt Ratio | 7.038 | 12.35684 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 779597 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the ARM rider |
| xxxxxx | 779597 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the ARM rider |
| xxxxxx | 779597 | xxxxxx | Cash From Borrower | 0 | 252817.02 | Verified | Field value reflects source document |
| xxxxxx | 778409 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778409 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778409 | xxxxxx | Cash To Borrower | 1000 | 8543.75 | Verified | Field value reflects source document |
| xxxxxx | 778409 | xxxxxx | Original CLTV | 43.88 | 51.25 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778409 | xxxxxx | Original LTV | 43.88 | 51.25 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778409 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.618 | 31.18492 | Verified | Higher income was used in audit. |
| xxxxxx | 778869 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 778869 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 778869 | xxxxxx | Representative FICO | 809 | 811 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778869 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778869 | xxxxxx | Cash From Borrower | 0 | 589894.4 | Verified | Field value reflects source document |
| xxxxxx | 778869 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.652 | 32.15675 | Verified | In line with 1008 DTI |
| xxxxxx | 778319 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778319 | xxxxxx | Cash From Borrower | 0 | 41878.48 | Verified | Field value reflects source document |
| xxxxxx | 777177 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777177 | xxxxxx | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777177 | xxxxxx | # of Units | 1 | 3 | Verified | Field value reflects source document |
| xxxxxx | 777177 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 777177 | xxxxxx | Cash To Borrower | 10130.3 | 9218.54 | Verified | Field value reflects source document |
| xxxxxx | 777363 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777363 | xxxxxx | Cash From Borrower | 0 | 167998.17 | Verified | Field value reflects source document |
| xxxxxx | 777363 | xxxxxx | Investor: Qualifying Total Debt Ratio | 11.593 | 15.59189 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 779467 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779467 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779467 | xxxxxx | Cash From Borrower | 0 | 98603.02 | Verified | Field value reflects source document |
| xxxxxx | 779703 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779703 | xxxxxx | Cash From Borrower | 0 | 93758.06 | Verified | Field value reflects source document |
| xxxxxx | 777870 | xxxxxx | Cash From Borrower | 0 | 187167.49 | Verified | Field value reflects source document |
| xxxxxx | 778422 | xxxxxx | Cash To Borrower | 71167 | 70515.78 | Verified | Field value reflects source document |
| xxxxxx | 778422 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.836 | 40.53593 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 779012 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779012 | xxxxxx | Cash From Borrower | 0 | 70484.52 | Verified | Field value reflects source document |
| xxxxxx | 779012 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.197 | 21.63381 | Verified | Field Value DTI is lower than Tape value due to Lender used lower qualifying income than verified by audit |
| xxxxxx | 776199 | xxxxxx | Representative FICO | 697 | 688 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776199 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776199 | xxxxxx | Cash From Borrower | 0 | 26213.74 | Verified | Field value reflects source document |
| xxxxxx | 776199 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.993 | 38.59427 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 780188 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 780188 | xxxxxx | Cash From Borrower | 0 | 29389.03 | Verified | Field value reflects source document |
| xxxxxx | 779278 | xxxxxx | Original Interest Rate | 10 | 9.625 | Verified | Field Value reflects the Note value |
| xxxxxx | 779278 | xxxxxx | Cash From Borrower | 0 | 33368.48 | Verified | Field value reflects source document |
| xxxxxx | 779278 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.9 | 46.99055 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 779822 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 779822 | xxxxxx | Cash To Borrower | 220000 | 203306.3 | Verified | Field value reflects source document |
| xxxxxx | 778692 | xxxxxx | Cash To Borrower | 52840 | 32715.43 | Verified | Field value reflects source document |
| xxxxxx | 778692 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 775947 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775947 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775947 | xxxxxx | Representative FICO | 777 | 764 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 775947 | xxxxxx | Property Type | Single Family Detached | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775947 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775947 | xxxxxx | Cash From Borrower | 0 | 99777.76 | Verified | Field value reflects source document |
| xxxxxx | 775947 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.595 | 43.05789 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 779106 | xxxxxx | Cash From Borrower | 0 | 405386.01 | Verified | Field value reflects source document |
| xxxxxx | 779106 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.074 | 53.5123 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 779509 | xxxxxx | Cash From Borrower | 0 | 350450.13 | Verified | Field value reflects source document |
| xxxxxx | 777658 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777658 | xxxxxx | Cash To Borrower | 167904 | 78403.71 | Verified | Field value reflects source document |
| xxxxxx | 777658 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.094 | 41.74409 | Verified | Audit DTI |
| xxxxxx | 779091 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779091 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 779091 | xxxxxx | Cash To Borrower | 60000 | 60842.76 | Verified | Field value reflects source document |
| xxxxxx | 779236 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779236 | xxxxxx | Cash To Borrower | 10000 | 55641.38 | Verified | Field value reflects source document |
| xxxxxx | 779236 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.241 | 44.12936 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 779540 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 779540 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779540 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779540 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 779540 | xxxxxx | Cash From Borrower | 0 | 122265.52 | Verified | Field value reflects source document |
| xxxxxx | 779256 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779256 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779256 | xxxxxx | Cash From Borrower | 0 | 72088.98 | Verified | Field value reflects source document |
| xxxxxx | 778555 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778555 | xxxxxx | Representative FICO | 657 | 650 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778555 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778555 | xxxxxx | Cash To Borrower | 114399 | 98025.31 | Verified | Field value reflects source document |
| xxxxxx | 778555 | xxxxxx | Original CLTV | 75 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778555 | xxxxxx | Original LTV | 75 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778555 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779099 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779099 | xxxxxx | Cash From Borrower | 0 | 112498.63 | Verified | Field value reflects source document |
| xxxxxx | 778990 | xxxxxx | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778990 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778990 | xxxxxx | Cash From Borrower | 0 | 68642.74 | Verified | Field value reflects source document |
| xxxxxx | 779579 | xxxxxx | Representative FICO | 776 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 779579 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779579 | xxxxxx | Cash From Borrower | 0 | 2012897.35 | Verified | Field value reflects source document |
| xxxxxx | 779579 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 34.04647 | Verified | Higher income calculated at audit. |
| xxxxxx | 779436 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779436 | xxxxxx | Cash From Borrower | 0 | 183972.85 | Verified | Field value reflects source document |
| xxxxxx | 779436 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 42.68537 | Verified | Audit DTI is lower than tape |
| xxxxxx | 779170 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779170 | xxxxxx | Cash From Borrower | 0 | 64685.53 | Verified | Field value reflects source document |
| xxxxxx | 780461 | xxxxxx | Doc Type | Fastrack | Alt | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 780461 | xxxxxx | Cash To Borrower | 794.48 | 8669.21 | Verified | Field value reflects source document |
| xxxxxx | 777165 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777165 | xxxxxx | Cash From Borrower | 0 | 130889.84 | Verified | Field value reflects source document |
| xxxxxx | 779692 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779692 | xxxxxx | Cash To Borrower | 69833 | 131699.82 | Verified | Field value reflects source document |
| xxxxxx | 779692 | xxxxxx | Investor: Qualifying Total Debt Ratio | 10.812 | 21.82501 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 779474 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779474 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 779474 | xxxxxx | Property Type | Single Family Attached | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779474 | xxxxxx | Cash To Borrower | 300000 | 286182.02 | Verified | Field value reflects source document |
| xxxxxx | 777820 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777820 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777820 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 777820 | xxxxxx | Cash From Borrower | 0 | 131923.83 | Verified | Field value reflects source document |
| xxxxxx | 778322 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778322 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778322 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778322 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 778322 | xxxxxx | Cash To Borrower | 0 | 35057.35 | Verified | Field value reflects source document |
| xxxxxx | 778322 | xxxxxx | Original CLTV | 65 | 86.67 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778322 | xxxxxx | Original LTV | 65 | 86.67 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 779010 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 779010 | xxxxxx | Cash From Borrower | 0 | 217184.3 | Verified | Field value reflects source document |
| xxxxxx | 779780 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779780 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 779780 | xxxxxx | Original P&I | 7282.62 | 7282.63 | Verified | Field Value reflects Note value |
| xxxxxx | 779780 | xxxxxx | Cash To Borrower | 316959.06 | 315534.42 | Verified | Field value reflects source document |
| xxxxxx | 780204 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780204 | xxxxxx | Cash From Borrower | 0 | 275105.3 | Verified | Field value reflects source document |
| xxxxxx | 780161 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780161 | xxxxxx | Cash From Borrower | 0 | 791606.44 | Verified | Field value reflects source document |
| xxxxxx | 779727 | xxxxxx | Cash From Borrower | 0 | 234249.58 | Verified | Field value reflects source document |
| xxxxxx | 778986 | xxxxxx | Cash To Borrower | 100163 | 106303.25 | Verified | Field value reflects source document |
| xxxxxx | 778986 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.96 | 38.26506 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 775090 | xxxxxx | Cash From Borrower | 0 | 85972.5 | Verified | Field value reflects source document |
| xxxxxx | 780339 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 780339 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 780339 | xxxxxx | Cash From Borrower | 0 | 164257.31 | Verified | Field value reflects source document |
| xxxxxx | 778440 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 778440 | xxxxxx | Cash From Borrower | 0 | 134921.56 | Verified | Field value reflects source document |
| xxxxxx | 778887 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 778887 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778887 | xxxxxx | Cash From Borrower | 0 | 388374.88 | Verified | Field value reflects source document |
| xxxxxx | 779592 | xxxxxx | Cash From Borrower | 0 | 187808.95 | Verified | Field value reflects source document |
| xxxxxx | 779592 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.38 | 40.05849 | Verified | Field Value DTI of 40.058% is inline with the DTI of 40.06% reflected on the Approval. |
| xxxxxx | 779260 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779260 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779260 | xxxxxx | Cash To Borrower | 150000 | 141672.82 | Verified | Field value reflects source document |
| xxxxxx | 779129 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779129 | xxxxxx | Cash To Borrower | 215000 | 219077.73 | Verified | Field value reflects source document |
| xxxxxx | 779511 | xxxxxx | Cash From Borrower | 0 | 188450.39 | Verified | Field value reflects source document |
| xxxxxx | 778907 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 778907 | xxxxxx | Cash To Borrower | 242017 | 203739.45 | Verified | Field value reflects source document |
| xxxxxx | 779181 | xxxxxx | Cash From Borrower | 0 | 4471.38 | Verified | Field value reflects source document |
| xxxxxx | 780693 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780693 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780693 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 780693 | xxxxxx | Cash To Borrower | 0 | 18114.49 | Verified | Field value reflects source document |
| xxxxxx | 775286 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775286 | xxxxxx | # of Units | 5 | 8 | Verified | Field value reflects source document |
| xxxxxx | 775286 | xxxxxx | Cash To Borrower | 740000 | 210813.59 | Verified | Field value reflects source document |
| xxxxxx | 779795 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779795 | xxxxxx | Cash From Borrower | 0 | 249775.27 | Verified | Field value reflects source document |
| xxxxxx | 780703 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 780703 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 780703 | xxxxxx | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 780703 | xxxxxx | Cash From Borrower | 0 | 75965.19 | Verified | Field value reflects source document |
| xxxxxx | 778559 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778559 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778559 | xxxxxx | Cash From Borrower | 0 | 379657.36 | Verified | Field value reflects source document |
| xxxxxx | 777125 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 777125 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 777125 | xxxxxx | Cash From Borrower | 0 | 148089.56 | Verified | Field value reflects source document |
| xxxxxx | 777125 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30 | 42.87387 | Verified | Field Value DTI is in line with the 1008 DTI. |
| xxxxxx | 778508 | xxxxxx | Cash To Borrower | 262430 | 257451.98 | Verified | Field value reflects source document |
| xxxxxx | 779560 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779560 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 779560 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the ARM rider |
| xxxxxx | 779560 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the ARM rider |
| xxxxxx | 779560 | xxxxxx | Cash From Borrower | 0 | 2876.89 | Verified | Field value reflects source document |
| xxxxxx | 779560 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 37.45485 | Verified | Field Value DTI is inline with the 1008 DTI. |
| xxxxxx | 778147 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778147 | xxxxxx | Cash To Borrower | 156000 | 156027.16 | Verified | Field value reflects source document |
| xxxxxx | 778147 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.79 | 18.01378 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 779243 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779243 | xxxxxx | Doc Type | Reduced | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 779243 | xxxxxx | Cash To Borrower | 103656 | 73676.78 | Verified | Field value reflects source document |
| xxxxxx | 780133 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 780133 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 780133 | xxxxxx | Cash To Borrower | 191399.37 | 160138.89 | Verified | Field value reflects source document |
| xxxxxx | 779598 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779598 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779598 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779598 | xxxxxx | Cash From Borrower | 0 | 111638.13 | Verified | Field value reflects source document |
| xxxxxx | 779745 | xxxxxx | Cash From Borrower | 0 | 96025 | Verified | Field value reflects source document |
| xxxxxx | 778072 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778072 | xxxxxx | Representative FICO | 666 | 676 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778072 | xxxxxx | Cash To Borrower | 922232.8 | 93139.34 | Verified | Field value reflects source document |
| xxxxxx | 778210 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 778210 | xxxxxx | Cash From Borrower | 0 | 341817.5 | Verified | Field value reflects source document |
| xxxxxx | 778210 | xxxxxx | Investor: Qualifying Total Debt Ratio | 18 | 24.57068 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 779111 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 779111 | xxxxxx | Cash To Borrower | 250000 | 213985.62 | Verified | Field value reflects source document |
| xxxxxx | 779111 | xxxxxx | Original CLTV | 76.96 | 70.87 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 779111 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 48.65725 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 780635 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780635 | xxxxxx | Cash From Borrower | 0 | 160439.74 | Verified | Field value reflects source document |
| xxxxxx | 779764 | xxxxxx | Cash From Borrower | 0 | 144098.21 | Verified | Field value reflects source document |
| xxxxxx | 779764 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.75 | 43.21768 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 779014 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779014 | xxxxxx | Cash From Borrower | 0 | 41717.25 | Verified | Field value reflects source document |
| xxxxxx | 779014 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 36.43746 | Verified | in line with 1008 DTI of 36.33%. |
| xxxxxx | 779756 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779756 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 779756 | xxxxxx | Representative FICO | 664 | 673 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 779756 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 779756 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 779756 | xxxxxx | Cash To Borrower | 301868 | 27961.99 | Verified | Field value reflects source document |
| xxxxxx | 779756 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779756 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.49 | 38.12244 | Verified | Higher than 1008 DTI of 33.848% due to lower debt calculation by Lender. |
| xxxxxx | 780519 | xxxxxx | Cash From Borrower | 0 | 161717.3 | Verified | Field value reflects source document |
| xxxxxx | 780519 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.96 | 43.67551 | Verified | Field Value DTI is the same 1008 DTI. |
| xxxxxx | 781139 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 781139 | xxxxxx | Cash From Borrower | 0 | 159587.19 | Verified | Field value reflects source document |
| xxxxxx | 780742 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780742 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780742 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 780742 | xxxxxx | Cash From Borrower | 0 | 118549.85 | Verified | Field value reflects source document |
| xxxxxx | 779446 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 779446 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779446 | xxxxxx | Cash From Borrower | 0 | 102315.97 | Verified | Field value reflects source document |
| xxxxxx | 779446 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.86 | 48.62214 | Verified | In line with 1008 DTI of 47.58%. |
| xxxxxx | 779255 | xxxxxx | Cash To Borrower | 1204576.52 | 341381.57 | Verified | Field value reflects source document |
| xxxxxx | 779749 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779749 | xxxxxx | Cash From Borrower | 0 | 210734.62 | Verified | Field value reflects source document |
| xxxxxx | 779749 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39 | 24.57598 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 780579 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780579 | xxxxxx | Cash From Borrower | 0 | 356462.65 | Verified | Field value reflects source document |
| xxxxxx | 779754 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779754 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779754 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779754 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779754 | xxxxxx | Cash From Borrower | 0 | 255281.37 | Verified | Field value reflects source document |
| xxxxxx | 779565 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779565 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 779565 | xxxxxx | Cash From Borrower | 0 | 72759.23 | Verified | Field value reflects source document |
| xxxxxx | 779565 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.53 | 24.53045 | Verified | In line with 1008 DTI of 24.381%. |
| xxxxxx | 780425 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780425 | xxxxxx | Cash From Borrower | 0 | 560077.26 | Verified | Field value reflects source document |
| xxxxxx | 779225 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 779225 | xxxxxx | Cash From Borrower | 0 | 274173.99 | Verified | Field value reflects source document |
| xxxxxx | 780113 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 780113 | xxxxxx | Cash From Borrower | 0 | 108228.52 | Verified | Field value reflects source document |
| xxxxxx | 780689 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780689 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 780689 | xxxxxx | Cash From Borrower | 0 | 112305.82 | Verified | Field value reflects source document |
| xxxxxx | 779705 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779705 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779705 | xxxxxx | Cash From Borrower | 0 | 42890.19 | Verified | Field value reflects source document |
| xxxxxx | 780599 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780599 | xxxxxx | Cash From Borrower | 0 | 119577.77 | Verified | Field value reflects source document |
| xxxxxx | 780599 | xxxxxx | Investor: Qualifying Total Debt Ratio | 8.77 | 12.068 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 779531 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779531 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 779531 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 779531 | xxxxxx | Cash From Borrower | 0 | 157451.75 | Verified | Field value reflects source document |
| xxxxxx | 779802 | xxxxxx | Cash To Borrower | 33383 | 32508.31 | Verified | Field value reflects source document |
| xxxxxx | 779642 | xxxxxx | Cash From Borrower | 0 | 320805.95 | Verified | Field value reflects source document |
| xxxxxx | 779642 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.077 | 25.90301 | Verified | Higher income calculated at audit. |
| xxxxxx | 778865 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778865 | xxxxxx | Representative FICO | 705 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778865 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778865 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778865 | xxxxxx | Cash To Borrower | 500000 | 624197.86 | Verified | Field value reflects source document |
| xxxxxx | 779011 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779011 | xxxxxx | Cash From Borrower | 0 | 569064.5 | Verified | Field value reflects source document |
| xxxxxx | 780143 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780143 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 780143 | xxxxxx | Cash From Borrower | 0 | 75195.97 | Verified | Field value reflects source document |
| xxxxxx | 781254 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781254 | xxxxxx | Cash From Borrower | 0 | 209908.97 | Verified | Field value reflects source document |
| xxxxxx | 780059 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780059 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780065 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780065 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780065 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780065 | xxxxxx | Original LTV | 75 | 61.36 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 780043 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Appraisal |
| xxxxxx | 780043 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779978 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 779978 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 779960 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779960 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779960 | xxxxxx | Original LTV | 75 | 73.17 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 780054 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780054 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780058 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780058 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780058 | xxxxxx | Representative FICO | 783 | 704 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 779948 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779948 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779928 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779928 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780041 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779906 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779906 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780031 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780031 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780008 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780007 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779935 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779935 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780064 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780064 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779941 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779941 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779984 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779984 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779908 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779908 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779920 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779920 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780005 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780005 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779997 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779997 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780010 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780056 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780724 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780724 | xxxxxx | Cash To Borrower | 200000 | 122195.41 | Verified | Field value reflects source document |
| xxxxxx | 778336 | xxxxxx | Cash To Borrower | 10708.37 | 28339.75 | Verified | Field value reflects source document |
| xxxxxx | 778336 | xxxxxx | Investor: Qualifying Total Debt Ratio | 13.89 | 20.18795 | Verified | Field Value DTI is inline with the 1008 DTI. |
| xxxxxx | 777701 | xxxxxx | Cash From Borrower | 0 | 23195.25 | Verified | Field value reflects source document |
| xxxxxx | 777701 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.118 | 49.75613 | Verified | Unable to verify due to missing information |
| xxxxxx | 780630 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780630 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 780630 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 780630 | xxxxxx | Cash From Borrower | 0 | 233515.57 | Verified | Field value reflects source document |
| xxxxxx | 780131 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780131 | xxxxxx | Cash From Borrower | 0 | 236665.82 | Verified | Field value reflects source document |
| xxxxxx | 781046 | xxxxxx | Cash To Borrower | 395285.45 | 372622.83 | Verified | Field value reflects source document |
| xxxxxx | 780623 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780623 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 780623 | xxxxxx | Cash From Borrower | 0 | 41308.53 | Verified | Field value reflects source document |
| xxxxxx | 781230 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 781230 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781230 | xxxxxx | Doc Type |  | Full | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 781230 | xxxxxx | Cash From Borrower | 0 | 237614.65 | Verified | Field value reflects source document |
| xxxxxx | 780433 | xxxxxx | Cash From Borrower | 0 | 133712.5 | Verified | Field value reflects source document |
| xxxxxx | 781225 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 781225 | xxxxxx | Cash From Borrower | 0 | 223147.36 | Verified | Field value reflects source document |
| xxxxxx | 781225 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33 | 35.03621 | Verified | In line with 1008 DTI of 35.018%/ |
| xxxxxx | 781567 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 781567 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781567 | xxxxxx | Cash From Borrower | 0 | 276767.71 | Verified | Field value reflects source document |
| xxxxxx | 780518 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 780518 | xxxxxx | Cash From Borrower | 0 | 151653.41 | Verified | Field value reflects source document |
| xxxxxx | 779532 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779532 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779532 | xxxxxx | Representative FICO | 728 | 732 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 779532 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 779532 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 779532 | xxxxxx | Cash To Borrower | 0 | 478006.26 | Verified | Investment Refinance cash out |
| xxxxxx | 779532 | xxxxxx | Investor: Qualifying Total Debt Ratio | 10 | 35.03273 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 780596 | xxxxxx | Cash From Borrower | 0 | 194716.54 | Verified | Field value reflects source document |
| xxxxxx | 780196 | xxxxxx | Cash To Borrower | 78435 | 80638.63 | Verified | Field value reflects source document |
| xxxxxx | 780196 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.321 | 49.97798 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 780748 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780748 | xxxxxx | Cash To Borrower | 244400 | 51431.61 | Verified | Field value reflects source document |
| xxxxxx | 781856 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 781856 | xxxxxx | Cash From Borrower | 0 | 121658.26 | Verified | Field value reflects source document |
| xxxxxx | 781507 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 781507 | xxxxxx | Representative FICO | 681 | 673 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 781507 | xxxxxx | Cash From Borrower | 0 | 52701.3 | Verified | Field value reflects source document |
| xxxxxx | 781507 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 29.85448 | Verified | Qualifying Total Debt Ratio is less than bid tape value. |
| xxxxxx | 781896 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781896 | xxxxxx | Cash From Borrower | 0 | 152649.81 | Verified | Field value reflects source document |
| xxxxxx | 779498 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779498 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779498 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 779498 | xxxxxx | Original CLTV | 65 | 62.21 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 779498 | xxxxxx | Original LTV | 65 | 62.21 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 779498 | xxxxxx | Cash From Borrower | 0 | 130482.52 | Verified | Field value reflects source document |
| xxxxxx | 780593 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780593 | xxxxxx | Cash To Borrower | 158000 | 173204.42 | Verified | Field value reflects source document |
| xxxxxx | 780804 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780804 | xxxxxx | Representative FICO | 724 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 780804 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780804 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 780804 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 780804 | xxxxxx | Cash From Borrower | 0 | 272019.15 | Verified | Field value reflects source document |
| xxxxxx | 781057 | xxxxxx | Doc Type | Fastrack | Reduced | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 781057 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 781057 | xxxxxx | Cash From Borrower | 0 | 401720.96 | Verified | Field value reflects source document |
| xxxxxx | 781057 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.257 | 34.7855 | Verified | REO not disclosed on 1003 on Property Profile Report provided |
| xxxxxx | 780727 | xxxxxx | Cash To Borrower | 129978 | 134278.18 | Verified | Field value reflects source document |
| xxxxxx | 781136 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 781136 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 781136 | xxxxxx | Cash From Borrower | 0 | 293576.8 | Verified | Field value reflects source document |
| xxxxxx | 781136 | xxxxxx | Investor: Qualifying Total Debt Ratio | 11 | 13.76146 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 780911 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780911 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780911 | xxxxxx | Cash From Borrower | 0 | 95465.69 | Verified | Field value reflects source document |
| xxxxxx | 780911 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.2 | 21.87598 | Verified | Higher income calculated at audit |
| xxxxxx | 779701 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 779701 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 779701 | xxxxxx | Cash To Borrower | 16475 | 13661.13 | Verified | Field value reflects source document |
| xxxxxx | 779701 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.464 | 37.88863 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 780712 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 780712 | xxxxxx | Cash From Borrower | 0 | 71745.77 | Verified | Field value reflects source document |
| xxxxxx | 780712 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.15 | 28.21911 | Verified | DTI calculated per income/debts present at audit. |
| xxxxxx | 780574 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780574 | xxxxxx | Cash To Borrower | 1066654.28 | 1241754.9 | Verified | Field value reflects source document |
| xxxxxx | 781260 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 781260 | xxxxxx | Cash From Borrower | 0 | 64172.93 | Verified | Field value reflects source document |
| xxxxxx | 781405 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781405 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 781405 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 781405 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 781405 | xxxxxx | Cash From Borrower | 0 | 410846.17 | Verified | Field value reflects source document |
| xxxxxx | 781402 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 781402 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 781402 | xxxxxx | Cash From Borrower | 0 | 73455.33 | Verified | Field value reflects source document |
| xxxxxx | 781875 | xxxxxx | Cash To Borrower | 131105.01 | 129179.11 | Verified | Field value reflects source document |
| xxxxxx | 780531 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780531 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780531 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780531 | xxxxxx | Cash From Borrower | 0 | 99533.03 | Verified | Field value reflects source document |
| xxxxxx | 781728 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 781728 | xxxxxx | Cash From Borrower | 0 | 71658.82 | Verified | Field value reflects source document |
| xxxxxx | 781647 | xxxxxx | Cash From Borrower | 0 | 96436.01 | Verified | Field value reflects source document |
| xxxxxx | 782145 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 782145 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 782145 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 782145 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 782145 | xxxxxx | Cash From Borrower | 0 | 339590.46 | Verified | Field value reflects source document |
| xxxxxx | 782141 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 782141 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 782141 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 782141 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 782141 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 782141 | xxxxxx | Cash From Borrower | 0 | 330597.16 | Verified | Field value reflects source document |
| xxxxxx | 781721 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 781721 | xxxxxx | Representative FICO | 748 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 781721 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781721 | xxxxxx | Cash From Borrower | 0 | 183501.27 | Verified | Field value reflects source document |
| xxxxxx | 782142 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 782142 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 782142 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 782142 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 782142 | xxxxxx | Cash From Borrower | 0 | 328746.94 | Verified | Field value reflects source document |
| xxxxxx | 782044 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 782044 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 782044 | xxxxxx | Cash To Borrower | 138148 | 53540.7 | Verified | Field value reflects source document |
| xxxxxx | 782044 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29 | 48.98581 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 781249 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 781249 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 781249 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 781249 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 781249 | xxxxxx | Cash From Borrower | 0 | 88698.04 | Verified | Field value reflects source document |
| xxxxxx | 781544 | xxxxxx | Cash To Borrower | 136936.99 | 35775.69 | Verified | Field value reflects source document |
| xxxxxx | 780987 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780987 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780987 | xxxxxx | Cash To Borrower | 180000 | 65441.88 | Verified | Field value reflects source document |
| xxxxxx | 781210 | xxxxxx | Original Interest Rate | 9.5 | 10 | Verified | Field Value reflects the Note value |
| xxxxxx | 781210 | xxxxxx | Representative FICO | 707 | 703 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 781210 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781210 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 781210 | xxxxxx | Cash To Borrower | 268186.14 | 36161.47 | Verified | Field value reflects source document |
| xxxxxx | 781210 | xxxxxx | Original CLTV | 70 | 73.68 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 781210 | xxxxxx | Original LTV | 70 | 73.68 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778837 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778837 | xxxxxx | Cash From Borrower | 0 | 9493.69 | Verified | Field value reflects source document |
| xxxxxx | 781502 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781502 | xxxxxx | Cash To Borrower | 215622 | 181517.11 | Verified | Field value reflects source document |
| xxxxxx | 781834 | xxxxxx | Cash From Borrower | 0 | 174986.04 | Verified | Field value reflects source document |
| xxxxxx | 782914 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 782914 | xxxxxx | Cash From Borrower | 0 | 160736.38 | Verified | Field value reflects source document |
| xxxxxx | 779602 | xxxxxx | Cash To Borrower | 10285 | 12086.08 | Verified | Field value reflects source document |
| xxxxxx | 781209 | xxxxxx | Original P&I |  | 6078.73 | Verified | Field Value reflects Note value |
| xxxxxx | 781209 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 781209 | xxxxxx | Cash From Borrower | 0 | 233414.86 | Verified | Field value reflects source document |
| xxxxxx | 774918 | xxxxxx | Cash To Borrower | 240000 | 226206.22 | Verified | Field value reflects source document |
| xxxxxx | 782393 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 782393 | xxxxxx | Representative FICO | 779 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 782393 | xxxxxx | Cash From Borrower | 0 | 301067.57 | Verified | Field value reflects source document |
| xxxxxx | 782317 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 782317 | xxxxxx | Original Interest Rate | 10.125 | 9.625 | Verified | Field Value reflects the Note value |
| xxxxxx | 782317 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 782317 | xxxxxx | Original CLTV | 75 | 67.24 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 782317 | xxxxxx | Original LTV | 75 | 67.24 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 782317 | xxxxxx | Cash From Borrower | 0 | 240472.02 | Verified | Field value reflects source document |
| xxxxxx | 777931 | xxxxxx | Cash To Borrower | 67880.62 | 80159.25 | Verified | Field value reflects source document |
| xxxxxx | 777931 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.815 | 47.65239 | Verified | Supplement provided with updated debts |
| xxxxxx | 782479 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 782479 | xxxxxx | Cash To Borrower | 87536.84 | 56696.86 | Verified | Field value reflects source document |
| xxxxxx | 781560 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 781560 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 781560 | xxxxxx | Cash From Borrower | 0 | 198625.04 | Verified | Field value reflects source document |
| xxxxxx | 781560 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.771 | 35.5033 | Verified | In line with 1008 DTI. |
| xxxxxx | 782859 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 782859 | xxxxxx | Original CLTV | 80 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 782859 | xxxxxx | Original LTV | 80 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 782859 | xxxxxx | Cash From Borrower | 0 | 86567.75 | Verified | Field value reflects source document |
| xxxxxx | 781215 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 781215 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781215 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 781215 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 781215 | xxxxxx | Cash From Borrower | 0 | 255665.41 | Verified | Field value reflects source document |
| xxxxxx | 782810 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 782810 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 782810 | xxxxxx | Cash From Borrower | 0 | 145157.75 | Verified | Field value reflects source document |
| xxxxxx | 783008 | xxxxxx | Cash To Borrower | 100000 | 225186.71 | Verified | Field value reflects source document |
| xxxxxx | 782463 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 782463 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 782463 | xxxxxx | Cash From Borrower | 0 | 213805.59 | Verified | Field value reflects source document |
| xxxxxx | 783062 | xxxxxx | Cash From Borrower | 0 | 173526.89 | Verified | Field value reflects source document |

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## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](tm238032d1_situsamc.gif)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 756404 | xxxxxx | 22796329 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2021-09-13): Client elects to waive |  |  | 09/13/2021 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22796330 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.40310% or Final Disclosure APR of 6.47600% is in excess of allowable threshold of APOR 2.82% + 1.5%, or 4.32000%. Non-Compliant Higher Priced Mortgage Loan. | Due to missing appraisal delivery |  | Reviewer Comment (2021-10-21): Client agrees to take as EV3.<br>Reviewer Comment (2021-10-20): The evidence of receipt of the appraisal reflects the borrower received the appraisal 2 days prior to closing and for HMPL loans the appraisal must be provided at least 3 days prior. The 3-day waiver cannot be applied to HMPL loans. Exception remains. |  |  | 10/21/2021 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22796332 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2021-10-21): Client agrees to take as EV3.<br>Reviewer Comment (2021-10-20): The evidence of receipt of the appraisal reflects the borrower received the appraisal 2 days prior to closing and for HMPL loans the appraisal must be provided at least 3 days prior. The 3-day waiver cannot be applied to HMPL loans. Exception remains. |  |  | 10/21/2021 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22796333 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2021-09-13): Client elects to waive |  |  | 09/13/2021 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22796336 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  | Reviewer Comment (2021-09-27): Document provided | 09/27/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22796340 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of xxxxxx property securing loan. |  |  | Reviewer Comment (2021-09-27): Document provided | 09/27/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22797417 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1099 (2020), Bank Statements - Business | 1) Provide the 2020 1099 2) Provide the xxxxxx statements. The tally of deposits from the bank statements must be within 10% or greater than xxxxxx earnings. |  | Reviewer Comment (2021-09-20): All income docs have been provided. | 09/20/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22809847 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure): Revised Notice Concerning Extensions of Credit provided at least 12 days prior to closing with no evidence of receipt in file) | Texas Constitution Section 50(a)(6): Notice of Extension of Credit Disclosure provided at least 12 days prior to closing with no evidence of receipt in file. |  |  | Reviewer Comment (2021-09-13): Client elects to waive |  |  | 09/13/2021 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22810719 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for xxxxxx. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7543) |  |  | Reviewer Comment (2021-09-08): Sufficient Cure Provided At Closing |  | 09/08/2021 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22822075 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | Texas Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation. |  |  | Reviewer Comment (2021-09-13): Client elects to waive |  |  | 09/13/2021 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22860634 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the gap credit report dated within 10 days prior to the Note date or any day after. |  | Reviewer Comment (2021-09-15): A gap report was provided. | 09/15/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 22860637 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete |  | Only 7 months of mortgage history was provided when 12 months is required. |  | Reviewer Comment (2021-09-20): 12 months of mortgage and rental verification were provided. | 09/20/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 756404 | xxxxxx | 23042284 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Document is not executed by the Lender |  | Reviewer Comment (2021-10-11): Received | 10/11/2021 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 759251 | xxxxxx | 23198634 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2021-11-30): Pro Teck CDA provided and supports value<br>Reviewer Comment (2021-10-24): Per client, CDA not to be ordered right now. Is reaching out to seller to see if they will provide their own.<br>Reviewer Comment (2021-10-15): CDA will be ordered | 11/30/2021 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 759251 | xxxxxx | 23224323 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background report not provided for Entities. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2021-10-26): Client elects to waive with verified compensation factors |  |  | 10/26/2021 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 759251 | xxxxxx | 23224329 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Judgment on background report not addressed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2021-11-30): Client elects to waive with compensating factors |  |  | 11/30/2021 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 759764 | xxxxxx | 23525744 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. | Borrower: xxxxxx xxxxxx mployment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx | Letter of explanation not on file. |  | Reviewer Comment (2021-11-15): The large deposits are from the business account into the personal account. | 11/15/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23526759 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The borrower is self-employed. Guidelines require either a tax professional letter or regulatory agency verifying at least 2 years of self-employment along with either a phone listing and/or business address using directory assistance or internet search to be in file. | Borrower: xxxxxx xxxxxx employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx | CPA Letter provided without an internet search as required Per Guidelines. |  | Reviewer Comment (2021-11-30): Internet search to validate CPA was provided<br>Reviewer Comment (2021-11-15): An Internet search of the business was not found. | 11/30/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23528287 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.80530% or Final Disclosure APR of 6.84100% is in excess of allowable threshold of APOR 3.06% + 2.5%, or 5.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-01-19): The client elects to waive. SOL date is xxxxxx  |  |  | 01/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23528288 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2021-11-02): The client elects to waive. |  |  | 11/02/2021 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23528289 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.17366% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .17366%). |  |  | Reviewer Comment (2021-11-02): The client elects to waive. |  |  | 11/02/2021 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23529013 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Missing the initial LE dated within 3 days of the initial application. |  | Reviewer Comment (2021-11-02): The client elects to waive with comp factors. |  |  | 11/02/2021 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23529031 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Missing the initial LE dated within 3 days of the initial application. |  | Reviewer Comment (2022-01-19): The client elects to waive. SOL date is xxxxxx <br>Reviewer Comment (2021-12-02): SitusAMC reviewed exception. Initial application date xxxxxx but initial LE dated xxxxxx and over 3 business days. Provide earlier initial LE to meet timing requirements.<br>Reviewer Comment (2021-11-22): SitusAMC received xxxxxx LE's and 10-8 electronic delivery. However, the Initial application date reflects signed by borrower on xxxxxx. Initial LE dated xxxxxx was not issued to borrower within 3 business days of application. Provide proof of earlier issuance. |  |  | 01/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23530066 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Verified that the 3 days requirement was not met. Creditors application xxxxxx and the list was provided on xxxxxx |  | Reviewer Comment (2022-01-10): Client elects to waive |  |  | 01/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23530269 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Missing evidence the initial CD dated xxxxxx was provided to the borrower within 3 days prior to consummation. |  | Reviewer Comment (2021-12-02): SitusAMC received xxxxxx CD signed the same day issued. | 12/02/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23530324 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Missing the initial LE dated within 3 days of the initial application. |  | Reviewer Comment (2022-01-19): The client elects to waive. SOL date is xxxxxx <br>Reviewer Comment (2021-12-06): SitusAMC received lender rebuttal that application date was xxxxxx. However, 1003 application (doc ID #0027) reflects a borrower signature and date of xxxxxx and a property address is reflected for the application and appears to be the Initial application date. The initial LE dated xxxxxx would be over 3 business days even with a holiday. Provide any missing LE's prior to and within 3 business days of application.<br>Reviewer Comment (2021-12-02): SitusAMC reviewed exception. Initial application date xxxxxx but initial LE dated xxxxxx and over 3 business days. Provide earlier initial LE to meet timing requirements.<br>Reviewer Comment (2021-12-01): SitusAMC did not receive documentation that addresses this exception. New items received were changed circumstance and income related documentation. Changed circumstance does not address the timing issue. Initial application date xxxxxx but initial LE dated xxxxxx and over 3 business days. Provide earlier initial LE to meet timing requirements.<br>Reviewer Comment (2021-11-22): SitusAMC received xxxxxx LE's and 10-8 electronic delivery. However, the Initial application date reflects signed by borrower on xxxxxx. Initial LE dated xxxxxx was not issued to borrower within 3 business days of application. Provide proof of earlier issuance. |  |  | 01/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23541161 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. (7506) | Due to the change in the fee in the initial Appraisal of $650 from the final LE xxxxxx |  | Reviewer Comment (2022-01-19): The client elects to waive. SOL date is xxxxxx <br>Reviewer Comment (2021-12-13): SitusAMC Received an invoice that shows Appriasal fee increased coz management fee is added. But it does not clarify why the management fee was added. Please provide COC with more information or provide cure documents.<br>Reviewer Comment (2021-12-09): SitusAMC Received COC dated xxxxxx which is not valid. Please provide valid COC with additional information which can Explain why Appraisal Fee increased on LE dated xxxxxx or Cure required.<br>Reviewer Comment (2021-12-07): SitusAMC No New Document received for increased fee. Exception remains due to provided COC indicates "Customer request locked rate" for which we do not have a valid COC for the Appraisal fee increased". Please provide a valid COC with additional information as to why the fee increased on LE dated xxxxxx or provide cure documents in order to clear this exception.<br>Reviewer Comment (2021-12-02): SitusAMC did not received any additional information regarding a VCC why the appraisal fee increased. Please provide a detailed VCC or please provide a corrected CD, LOE, refund check, and proof of mailing to cure.<br>Reviewer Comment (2021-11-17): SitusAMC received COC dated xxxxxx showing appraisal fee increase, however it is not acceptable reason for increase in Appraisal fee. Provide additional information as to why the appraisal fee was increased or provide PCCD,LOE, Refund check and Proof of mailing to cure.<br>Reviewer Comment (2021-11-15): SitusAMC received COC dated xxxxxx showing rate lock is not acceptable reason for increase in Appraisal fee. Provide additional information as to why the appraisal fee was increased in order to verify if fee can be re-basline or provide PCCD,LOE, Refund check and Proof of mailing to cure. |  |  | 01/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23541327 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee. Fee Amount of $180.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73105) | Due to the change in the change in the fee amount of the Attorney fee in the final LE xxxxxx and the initial LE of xxxxxx. |  | Reviewer Comment (2022-01-19): The client elects to waive. SOL date is xxxxxx <br>Reviewer Comment (2021-12-09): SitusAMC Received COC dated xxxxxx which is not valid. Please provide valid COC with additional information which can Explain why Attorney Fee added on LE dated xxxxxx or Cure required.<br>Reviewer Comment (2021-12-07): SitusAMC No New Document received for increased fee. Exception remains due to provided COC indicates "Customer request locked rate" for which we do not have a valid COC for the Lender fee added". Please provide a valid COC with additional information as to why the fee added on LE dated xxxxxx or provide cure documents in order to clear this exception.<br>Reviewer Comment (2021-12-02): SitusAMC reviewed exception. Rate lock is not related to an attorney fee. SitusAMC did not received any additional information regarding a VCC why the attorney fee was disclosed. Please provide a detailed VCC or please provide a corrected CD, LOE, refund check, and proof of mailing to cure.<br>Reviewer Comment (2021-11-19): SitusAMC- Attorney Fee was not disclosed initially & was later added on xxxxxx LE for xxxxxx There is no valid COC for the same. Please provide a valid COC with reason explaining the addition of Attorney Fee on xxxxxx LE or cure documents. Cure docs consist of PCCD, LOE, copy of check & proof of mailing. |  |  | 01/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23541801 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of xxxxxx exceeds tolerance of $2,875.00 plus 10% or xxxxxx. Insufficient or no cure was provided to the borrower. xxxxxx | Due to the change in the fee name |  | Reviewer Comment (2022-01-19): The client elects to waive. SOL date is xxxxxx <br>Reviewer Comment (2021-12-07): SitusAMC further review Title fees were disclosed in section B borrower cannot shopped section. However, provided SSPL does not reflects any provider details in order to verify the borrower - chosen service provider or not. Please provided completed copy of the SSPL to reevaluate this exception or Cure is required to clear this exception. |  |  | 01/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23545211 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | REO on xxxxxx; LOE in file for being sold; however, still REO on 1003 |  | Reviewer Comment (2021-11-15): An updated 1003 reflecting the REO as Sold was provided. | 11/15/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 759764 | xxxxxx | 23545525 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Expense Letter | Business Bank Statement Worksheet qualified borrower at 35% expense percentage; however, Expense Letter was not provided | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2021-11-15): The client elects to waive with comp factors.<br>Reviewer Comment (2021-11-15): The P&L from the CPA reflects an expense factor of 43% using this will cause the DTI to go to 48.96821% which is above the maximum of 43% |  |  | 11/15/2021 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761372 | xxxxxx | 23865136 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report missing and required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2021-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2021 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761372 | xxxxxx | 23865821 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx 1084 or income worksheet<br> 1084 or income worksheet | Underwriters income worksheet not found and required. |  | Reviewer Comment (2021-12-03): UW Income Worksheet(s) provided | 12/03/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761372 | xxxxxx | 23866294 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,495.04 is less than amount of binding Lender Credit previously disclosed in the amount of $-3,673.00. (9300) | Cure not found in file. |  | Reviewer Comment (2021-11-30): Client elects to waive |  |  | 11/30/2021 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 761372 | xxxxxx | 23866383 | xxxxxx | xxxxxx | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Not provided | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2021-11-30): Client elects to waive |  |  | 11/30/2021 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761372 | xxxxxx | 23897632 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2021-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2021 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761372 | xxxxxx | 23897769 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: Lot xxxxxx xxxxxx Sub, Insurance Verification, Other | Missing HOI and proof property is owned free & clear. |  | Reviewer Comment (2021-12-03): Tax Cert does verified property is 'Land' | 12/03/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 760877 | xxxxxx | 23904732 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. |  |  | Reviewer Comment (2022-01-07): Client elects to waive; Comments SOL 1 y ear expires 9.17.2022<br>Reviewer Comment (2021-12-23): Flip Transactions are from previous purchase date to new purchase contract date vs. current transaction consummation date. Condition remains. |  |  | 01/07/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 760877 | xxxxxx | 23904735 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.18750% or Final Disclosure APR of 5.22200% is in excess of allowable threshold of APOR 3.14% + 1.5%, or 4.64000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-01-07): Client elects to waive; Comments SOL 1 y ear expires 9.17.2022<br>Reviewer Comment (2021-12-23): Flip Transactions are from previous purchase date to new purchase contract date vs. current transaction consummation date. Condition remains. |  |  | 01/07/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 760877 | xxxxxx | 23905369 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2021-12-05): Client elects to waive |  |  | 12/05/2021 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 760877 | xxxxxx | 23944543 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: 8025, Financial Institution: xxxxxx // Account Type: Checking / Account Number: xxxxxx | Guidelines require 2 months' statements for asset accounts; loan file only contains one month for xxxxxx accounts xxxxxx and xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2021-12-21): Client elects to waive with compensating factors |  |  | 12/21/2021 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 760795 | xxxxxx | 24030913 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | None of the red flags on the fraud report were addressed. |  | Reviewer Comment (2021-12-13): Adjusted FraudGuard was provided | 12/13/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24198110 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1084 or income worksheet, CPA Letter | Missing income worksheet. Further, guidelines for the CPA/P&L only program require a CPA letter, attesting that the CPA has prepared the most recent tax return. CPA letter in file; however, it does not attest that the CPA prepared the most recent tax return. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-01-12): Client elects to waive with compensating factors<br>Reviewer Comment (2022-01-10): The 9/2021 guidelines require the CPA letter to include the attestation that the CPA has prepared the borrower's most recent tax return.<br>Reviewer Comment (2022-01-04): Guidelines require; 5.3.8. The CPA/Tax Preparer must attest they have prepared the borrower's most recent tax return. AND 5.3.1 Income Analysis; The loan file must include an income worksheet detailing income calculations |  |  | 01/12/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24198210 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2021-12-28): Received | 12/28/2021 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24198502 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-01-04): Gap Credit Report provided - 1 day after note date<br>Reviewer Comment (2021-12-28): Received same report as in original file dated xxxxxx . Guidelines require gap credit report dated no more than 10 days prior to loan closing, or any time after loan closing. Subject loan closed on xxxxxx . | 01/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24198545 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.73240% or Final Disclosure APR of 4.73300% is in excess of allowable threshold of APOR 3.03% + 1.5%, or 4.53000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-01-13): The client elects to waive.<br>Reviewer Comment (2022-01-13): Received Appraisal Delivery date which we already had. Not sure what was provided to clear.<br>Reviewer Comment (2022-01-09): Please be specific as to what documents you are uploading to clear this condition. There are numerous documents uploaded; however, none of them would be used to clear this. |  |  | 01/13/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24198546 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. |  |  | Reviewer Comment (2022-01-05): Client accepts as EV3. |  |  | 01/05/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24198547 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock missing and there was no Alternative Rate lock found in loan file. |  | Reviewer Comment (2021-12-27): Client elects to waive |  |  | 12/27/2021 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24198587 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | File only contains the final CD. |  | Reviewer Comment (2022-01-05): SitusAMC received xxxxxx CD received the same day issued. | 01/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24205230 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.25580% exceeds Guideline total debt ratio of 45.00000%. | Per final 1008, loan was approved at 46.26% DTI, which exceeds FTHB ratio of 45% | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-01-10): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-01-04): All exceptions must come from Investor. |  |  | 01/10/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24205252 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.25580% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per final 1008, loan was approved at 46.26% DTI, which exceeds FTHB ratio of 45% | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-01-10): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-01-04): All exceptions must come from Investor. |  |  | 01/10/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24205256 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per final 1008, loan was approved at 46.26% DTI, which exceeds FTHB ratio of 45% |  | Reviewer Comment (2022-01-10): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-01-04): All exceptions must come from Investor. | 01/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24264491 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Borrower is listed as self-employed with less than 50% ownership in the business. |  | Per the guidelines for the CPA/P&L only program, borrower is required to be at least 50% owner of business. Per CPA letter provided, borrower is 33% owner, which does not meet guideline requirement. |  | Reviewer Comment (2022-01-10): Not a requirement of 9/2021 guidelines.<br>Reviewer Comment (2022-01-04): Exception to guidelines; All exceptions must come from Investor. | 01/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | 24265726 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2022-01-10): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-01-04): Guideline variance; All exceptions must come from Investor. | 01/10/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 766346 | xxxxxx | 24810342 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | First Time Investor Exception; Customer purchased Primary March 2021 - does not have a full 12 month payment history. Lender Exception in file; however, needs to come from Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-02-23): Client elects to waive with verified compensating factors |  |  | 02/23/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 766448 | xxxxxx | 24818866 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Required document not found in file |  | Reviewer Comment (2022-03-17): Received BP Cert | 03/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 766448 | xxxxxx | 24818943 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-03-03): Received CDA<br>Reviewer Comment (2022-02-28): CDA will be ordered | 03/03/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 766448 | xxxxxx | 24866370 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2022-03-18): Received completed NOO Cert<br>Reviewer Comment (2022-03-17): Received Cert of NOO; however, section 3.(a) is incomplete | 03/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 767572 | xxxxxx | 25027879 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Only 1031 exchange statement in the file which cannot be used for reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-03-18): Client elects to waive with verified compensating factors |  |  | 03/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 767422 | xxxxxx | 25123395 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing |  | Per review of security instrument, a prepayment rider is included. Missing copy of prepayment rider. |  | Reviewer Comment (2022-05-18): PPP Rider receved | 05/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767422 | xxxxxx | 25124307 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-31): The final title policy was provided. | 08/31/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767422 | xxxxxx | 25124652 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Late Charge | California Non Primary Residence Late Charge Grace Period Testing | California Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. | Per state legislation, a late fee cannot be imposed within 10 days after its scheduled due date. Therefore the late charge does not meet state regulations. |  | Reviewer Comment (2022-05-16): Client elects to waive |  |  | 05/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767422 | xxxxxx | 25126667 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is 50% owner of the business on this 12 month business bank statement income loan. Guidelines require the non-borrowing other owners of the business to sign and date a letter acknowledging the transaction and verifying the borrowers access to the business account for income qualification and this letter is not in the file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-05-26): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-19): Loan was re-reviewed to xxxxxx Guidelines. Per section 5.3.6.2 under business statements, "Non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and verifying the borrower's access to the account for income calculations". This guideline does not state it applies only to loans vested in a business name and condition still applies.<br>Reviewer Comment (2022-05-17): The investor instructed us to UW this loan to their guidelines vs. xxxxxx Guidelines. Investor can elect to waive. |  |  | 05/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767422 | xxxxxx | 25128262 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-05-16): Client elects to waive |  |  | 05/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767422 | xxxxxx | 25628210 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-31): The final title policy was provided.<br>Reviewer Comment (2022-05-16): Client elects to waive | 08/31/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767422 | xxxxxx | 25652783 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 5.08744% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or .08744%). |  |  | Reviewer Comment (2022-05-18): Client elects to waive |  |  | 05/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 768345 | xxxxxx | 25133412 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | A open HOA lien was reflected on the Tittle Commitment and not paid off at closing. Further, there is a second mortgage lien on title that was not paid off at closing. |  | Reviewer Comment (2022-04-05): Received Final Title with items cleared. In addition, release of lien in file.<br>Reviewer Comment (2022-03-31): Their is no lien number associated on the release of claim. Further, the document is dated 8/2021 and the title commitment was dated 2/2022. Provide a title supplement reflecting this will be removed from the Final Title Policy. | 04/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768345 | xxxxxx | 25133917 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | An acceptable VOM for the subject property is required. The LOE provided from the bank does not state time period of loan payments, loan amount, unpaid pricipal balance, last payment made, when the 2- 30 day lates occurred, etc. |  | Reviewer Comment (2022-04-03): Received VOM | 04/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768345 | xxxxxx | 25134075 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-06): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-03-31): The lender exception in file was for the 1007 not providing any long term market rents, however the 1007 was not provided. Provide the 1007. Further, any exceptions must come from the investor. |  |  | 04/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768345 | xxxxxx | 25134140 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception file for 1007 not providing long term rents. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-06): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-03-31): Exceptions must come from the Investor. |  |  | 04/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768345 | xxxxxx | 25134149 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | Lender exception exception in file. 2x30 | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-06): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-03-31): All exceptions must come from the Investor. |  |  | 04/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768345 | xxxxxx | 25134152 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., xxxxxx) and evidence of at least 12 months of Operating History is not present in the loan file. |  |  |  | Reviewer Comment (2022-03-31): Listing and ops history provided | 03/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768345 | xxxxxx | 25134169 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Entity Documents missing for xxxxxx: Articles of Org/Formation, Certificate of Good Standing, EIN. |  | Reviewer Comment (2022-03-31): Documents for Entity provided | 03/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768342 | xxxxxx | 25131843 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Policy states the coverage amount as $. The Appraisal reflects the estimated cost new as xxxxxx xxxxxx. The coverage shortfall is $xxxxxx |  | Reviewer Comment (2022-03-31): Received RCE | 03/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 768342 | xxxxxx | 25132037 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The state of xxxxxx is a ineligible per the lender guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-07): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-03-31): Exceptions must come from the Investor. |  |  | 04/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 768342 | xxxxxx | 25135679 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated only in file. |  | Reviewer Comment (2022-03-31): REceived | 03/31/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 768342 | xxxxxx | 25135687 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Flood Insurance was not escrowed. |  |  |  | Reviewer Comment (2022-03-31): Based on final HUD-1 provided, flood included in HOI escrow amount. | 03/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 767846 | xxxxxx | 25194424 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | Verification Appraisal was delivered to borrower was not provided. |  | Reviewer Comment (2022-04-04): Client elects to waive |  |  | 04/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767846 | xxxxxx | 25194428 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The Final CD shows the issue and the closing date as the same date of xxxxxx . Not allowing for a 3 day review of the CD. |  | Reviewer Comment (2022-05-13): SitusAMC received xxxxxx CD. | 05/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767846 | xxxxxx | 25194823 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1084 or income worksheet, VVOE - Employment Only, W-2 (2021) | A verbal verification is required to be obtained within 5 calendar days of the Note and one was not provided. Also missing the required income worksheet and either the W2 or a W2 Tax Transcript for 2021. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-05-26): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-16): Received Tax Return Transcripts (Joint/1040) for 2020. Need W2 or a W2 Tax Transcript for 2021. (Guidelines; IRS W-2 forms or W-2 transcripts covering the most recent one (1))<br>Reviewer Comment (2022-05-13): Received VVOE dated xxxxxx Received 1008 with income calculation for wager earner. Still awaiting on W2 or W2 Transcript for 2021. |  |  | 05/26/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | 25206989 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-04-12): Received Approval | 04/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | 25207114 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Borrower has an active listing on the subject property per the Appraisal and is ineligible for a cash out refinance. No prepayment was established on the current transaction and the listing was not removed. |  | Reviewer Comment (2022-04-12): Received LOE from borrower and listing status as withdrawn | 04/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | 25207274 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines for using the fixed expense factor on business bank statement loans required a self-employed business narrative completed by a non-family member employee of the business, or the CPA. The self employed business narrative provided was completed by the borrower. Please provide a business narrative completed by either a non-relative employee or the CPA. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-04-15): Client elects to waive with verified compensating factors |  |  | 04/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | 25208943 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing a VOM for the primary residence on xxxxxx |  | Reviewer Comment (2022-04-12): Received 12 mos of bank statement showing payments(s) | 04/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | 25228643 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please note that the loan is vested in a business name and the borrower signed the Note as an induvial and not as the Guarantor for the Business Entity. |  | Reviewer Comment (2022-04-20): Received 'Corrected' stamped Note and LOE to borrower.<br>Reviewer Comment (2022-04-14): Executed revised Note received, however Note needs to reflect "Corrected" at the top as well as an LOE to the borrower needs to be provided explaining situation. | 04/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | 25228977 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the Certificate of Good Standing from the state as required. Please forward for review. |  | Reviewer Comment (2022-04-20): Received CoGS; xxxxxx <br>Reviewer Comment (2022-04-12): Received a Certificate of Good Standing; however, the doc is aged > 90 days. | 04/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | 25230272 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | HOI policy provided only lists the insured as the individual borrower. Please provide HOI policy reflecting the business entity as the insured. |  | Reviewer Comment (2022-04-12): Received updated HOI with Corp in Additional Named Insured | 04/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 768902 | xxxxxx | 25227944 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $76,807.11 is less than Cash From Borrower $78,314.78. |  |  | Reviewer Comment (2022-04-14): Received HUD for another property; xxxxxx Refinance | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25228127 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25229112 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25229113 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25229119 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25229121 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25229128 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25229186 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25229187 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25229199 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25229207 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx xxxxxx., xxxxxx, xxxxxx xxxxxx |  |  | Reviewer Comment (2022-04-14): Received Tax Certificate for this property | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25239416 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | Provide the Trust Agreement for xxxxxx Trust. Owner of Entity. |  | Reviewer Comment (2022-04-14): Received Agreement of LLP which included xxxxxx Minutes xxxxxx which transferred interest to xxxxxx Trust | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25239445 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Provide the EIN for xxxxxx, LLC. |  | Reviewer Comment (2022-04-14): Received IRS 2020 1065 which included the EIN | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25239712 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the loan amount allocation for each property. |  | Reviewer Comment (2022-04-14): Updated each property to $xxxxxx. | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25239724 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 9.00. |  |  | Reviewer Comment (2022-04-14): Received HUD for another property; xxxxxx Refinance | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768902 | xxxxxx | 25240081 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file must be approved by Investor: The limited partnership of the borrowing entity is an irrevocable trust, xxxxxx Trust. Generally, limited partnerships often have a higher % of ownership, despite lacking authority to make a significant decision on behalf of the partnership. xxxxxx Trust is not involved based on the guidelines regarding ownership power. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-15): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-04-14): Lender exception in file must be approved by Investor |  |  | 04/15/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768903 | xxxxxx | 25232030 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 1.03 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.20. | Does not meet the DSCR calculation of 1.20 for Portfolio Loans. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-15): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-04-14): Calculated Rent = $11,590 / PITIA = $11,236.61 = 1.03 |  |  | 04/15/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768903 | xxxxxx | 25232476 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $1,261,996.47 is greater than Guideline total cash-out of $1,000,000.00. | The cash out proceeds exceeds the maximum of $1,000,000. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-15): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-04-14): All approved exceptions must come from investor |  |  | 04/15/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768903 | xxxxxx | 25240120 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | Provide the Trust Agreement for xxxxxx Trust. Owner of Entity. |  | Reviewer Comment (2022-04-14): Received xxxxxx Minutes xxxxxx ; transferred interest to xxxxxx Trust | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768903 | xxxxxx | 25240136 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Provide the EIN for xxxxxx, LLC. |  | Reviewer Comment (2022-04-14): Received IRS Form 1065 with EIN for this LLC | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768903 | xxxxxx | 25240151 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file must be approved by Investor: The limited partnership of the borrowing entity is an irrevocable trust, xxxxxx Trust. Generally, limited partnerships often have a higher % of ownership, despite lacking authority to make a significant decision on behalf of the partnership. xxxxxx Trust is not involved based on the guidelines regarding ownership power. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-15): Client elects to waive with verified compensating factors |  |  | 04/15/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768903 | xxxxxx | 25240200 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Address: xxxxxx., xxxxxx,xxxxxx xxxxxx, Address: xxxxxx., xxxxxx, xxxxxx, Address: xxxxxx., xxxxxx, xxxxxx, Address: xxxxxx., xxxxxx,xxxxxx, Address: xxxxxx.,xxxxxx, xxxxxx, Address: xxxxxx.,xxxxxx, xxxxxx | RCE values are higher than dwelling coverage. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-15): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-04-14): The policy provided is dated post closing and not acceptable. The loan needed to close with sufficient coverage in place. Client can elect to waive with verified compensation factors. |  |  | 04/15/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768903 | xxxxxx | 25240224 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the loan amount allocation for each property. |  | Reviewer Comment (2022-04-14): Each property was derived from 70% of MV | 04/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 769156 | xxxxxx | 25285466 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2022-04-20): Received Final (signed) Settlement Statement | 04/20/2022 |  |  | 1 D A | xxxxxx |  | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 769156 | xxxxxx | 25290103 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per lender guidelines, OR is only an eligible state when there is a Licensed Broker. The loan file includes a lender approved exception as the license is pending, stating the ability to lend without a license is fully legal and covered by the mortgage broker. Investor exception required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-22): Client elects to waive with verified compensating factors |  |  | 04/22/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 769156 | xxxxxx | 25303018 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All open judgments and outstanding liens must be paid off prior to or at loan closing. A LOE should be provided disclosing the situation and reasons for outstanding amounts. LOE was provided, however no evidence judgments were paid. Judgments/Liens in question: $1,021, $921, $2,463. The Borrower's LOE states these were either included in the BK or SOL has passed, however the guidelines do not allow for any SOL's and there are no xxxxxx papers to verify debts included in xxxxxx. |  | Reviewer Comment (2022-04-21): Received Case Information; #xxxxxx status is Closed. Search for Judgement on xxxxxx revealed 0 | 04/21/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 769156 | xxxxxx | 25303284 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Not provided for xxxxxx, LLC |  | Reviewer Comment (2022-04-20): Received Articles of Organization | 04/20/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 769474 | xxxxxx | 25308001 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | The maximum LTV for condos is 75%. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-04-21): Client elects to waive with verified compensating factors |  |  | 04/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 769474 | xxxxxx | 25345735 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provide the Blanket Policy. |  | Reviewer Comment (2022-04-22): Blanket HOI/Flood received | 04/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 767531 | xxxxxx | 25314429 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Appraisal Report shows the HOA fee as $50.00 annually and the HOA doc's that have been provided show the HOA fee as $12.00 per lot annually and the <br> $50.00 was for the certificate fee. Please have this corrected and then send for review. |  | Reviewer Comment (2022-05-17): Received appraisal report addressing fees on property | 05/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 767531 | xxxxxx | 25314688 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Max LTV of 75% has been exceeded to 80% . the DSCR is below 1.00. no exceptions have been provided. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-05-19): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-18): Lender exception provided. All exceptions must come from the investor.<br>Reviewer Comment (2022-05-18): Condition does not pertain to escrows but DSCR < 1.00 has a max LTV of 75%. Condition remains.<br>Reviewer Comment (2022-05-13): Received a Lender Loan Exception Request Form; however this form is blank. Additionally, all exceptions must come from investor. |  |  | 05/19/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 767531 | xxxxxx | 25314711 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The Business-Purpose Loan Rider to the Security instrument that has been provided , has not been signed. Please forward the fully executed and dated copy. Additional conditions may apply. |  | Reviewer Comment (2022-04-28): Received an executed Business-Purpose Loan Rider to the Security instrument | 04/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 767531 | xxxxxx | 25353336 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The proposed insured on the Title Commitment shows the Guarantor as the borrower . However, the loan closed in the name of the LLC. Please have the title commitment updated to reflect the correct borrower and then send for review. |  | Reviewer Comment (2022-05-13): Revised commitment provided | 05/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 767531 | xxxxxx | 25353396 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Escrow waiver requirements were not met. LTV is at 80%. Per guidelines, must be less than 80%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-05-25): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-05-18): The guidelines attached, which were reviewed at time of review, say "LTV less than 80%". Does not say less than/equal to. Condition remains. |  |  | 05/25/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 767531 | xxxxxx | 25353397 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address on HOI and Flood Insurance Polices do not match the Note. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-05-19): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-18): Investor to consider waiving based on previous lender comments<br>Reviewer Comment (2022-05-13): Per the investor's request the xxxxxx ood Ins address must match the Note. Client can elect to waive with verified compensating factors. |  |  | 05/19/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 768904 | xxxxxx | 25467548 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report not provided and required per guidelines. |  | Reviewer Comment (2022-05-17): DRIVE report received | 05/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469813 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | No evidence of appraisal delivery to borrower at or before closing. |  | Reviewer Comment (2022-05-02): Client elects to waive |  |  | 05/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469814 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Borrower was not provided with right to receive appraisal disclosure. |  | Reviewer Comment (2022-05-02): Client elects to waive |  |  | 05/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469815 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | No evidence of appraisal delivery to borrower at or before closing. |  | Reviewer Comment (2022-05-17): Received Appraisal Delivery Status details showing borrower delivery/download of report | 05/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469816 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Borrower was not provided with right to receive appraisal disclosure. |  | Reviewer Comment (2022-05-17): SitusAMC received LEs. | 05/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469817 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Evidence of rate lock date not provided. |  | Reviewer Comment (2022-05-02): Client elects to waive |  |  | 05/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469827 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership counselors not provided to borrower. |  | Reviewer Comment (2022-05-02): Client elects to waive |  |  | 05/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469846 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.85730% or Final Disclosure APR of 6.88700% is in excess of allowable threshold of APOR 4.49% + 1.5%, or 5.99000%. Non-Compliant Higher Priced Mortgage Loan. | Non-compliant HPML, APR on subject loan of 6.85730% or final CD APR of 6.887000% is in excess of allowable threshold of APOR 4.49% + 1.5% or 5.990% |  | Reviewer Comment (2022-05-17): Received Appraisal Delivery Status details showing borrower delivery/download of report | 05/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469852 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $15,620.50 may be required. | All Loan estimates were not provided. |  | Reviewer Comment (2022-05-17): SitusAMC received LEs. | 05/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469876 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.03141% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .03141%). | Loan fails xxxxxx 3% points and fees test. Points and fees of xxxxxx on a federal loan amount of xxxxxx exceeds max allowable of 3% or xxxxxx, an overage of xxxxxx or .03141%. |  | Reviewer Comment (2022-05-02): Client elects to waive |  |  | 05/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469879 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Closing disclosure was not provided to borrower at least 3 business days prior to closing, CD was provided xxxxxx |  | Reviewer Comment (2022-05-23): SitusAMC received xxxxxx CD and tracking. | 05/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25469899 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 628 is less than Guideline representative FICO score of 660. | Minimum credit score for a FTHB is 660. Subject loan was approved with a 628 credit score. Lender Exception request in loan file; however, all exception requests must come from the Investor. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-05-26): Client elects to waive with verified compensating factors |  |  | 05/26/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768904 | xxxxxx | 25504118 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Guidelines for the P&L only program require a CPA letter, in which the CPA attests that they have prepared the borrower's most recent tax return. The CPA letter provided does not meet this guideline requirement. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-06-28): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-06-13): Received Lenders Loan Exception Request form; however, all exceptions must be approved by investor<br>Reviewer Comment (2022-05-20): The CD does not clear this condition. Guidelines for the P&L only program require a CPA letter, in which the CPA attests that they have prepared the borrower's most recent tax return. The CPA letter provided does not meet this guideline requirement. |  |  | 06/28/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25504267 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The insurance address reflects xxxxxx; however, Note address only reflects xxxxxx Rd. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-05-26): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-16): Per the investor's request the HOI address must match the Note |  |  | 05/26/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25504394 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate Subject Address reflects xxxxxx; however, Note address only reflects xxxxxx Rd. |  | Reviewer Comment (2022-05-23): Received updated Flood Cert | 05/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25504528 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: xxxxxx | Per guideline Asset documentation must comprise two consecutive months and be dated within 90 days of the loan note date. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-05-26): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-16): Per guideline 5.2.1 - Asset Requirements; Asset documentation must comprise two consecutive months and be dated within 90 days of the loan note date. We only have statement beginning xxxxxx to xxxxxx . This only covers 1 month. Guidelines call for 2 consecutive months. |  |  | 05/26/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25504596 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and ARR address reflects xxxxxx; however, Note address only reflects xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-05-26): Client elects to waive with verified compensating factors |  |  | 05/26/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25504859 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | No Right to receive a copy of the Appraisal Disclosure. |  | Reviewer Comment (2022-05-05): Client elects to waive |  |  | 05/05/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | Good faith redisclosure D B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25504860 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set missing |  | Reviewer Comment (2022-05-05): Client elects to waive |  |  | 05/05/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25504977 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Loan file only contains the final CD signed at closing. Missing all initial CDs sent to borrower. |  | Reviewer Comment (2022-05-24): SitusAMC received proof of receipt.<br>Reviewer Comment (2022-05-17): SitusAMC received Disclosure Tracking Summary. Summary indicates a 3-21 Initial CD sent and xxxxxx Revised CD sent, however, loan file only reflects a xxxxxx Final CD. Provide missing disclosures for correct TRID testing and Initial CD must be received 3 business days prior to closing. | 05/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25504989 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $25,775.00 may be required. | Loan Estimate missing |  | Reviewer Comment (2022-05-24): SitusAMC received the initial LE.<br>Reviewer Comment (2022-05-17): SitusAMC received Disclosure Tracking Summary. Summary indicates a xxxxxx Initial LE sent and xxxxxx Revised LE sent, however, loan file is missing all LE's. Provide missing disclosures for correct TRID testing | 05/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25530423 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the guidelines, the WVOE program is for primary residence transactions only. The subject transaction is a purchase of a second home. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-05-19): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-16): Lender Loan Exception Request Form in file. All exceptions must come from investor.<br>Reviewer Comment (2022-05-16): Per guideline 5.3.10 - Alt Doc - Written Verification of Employment; Primary Residence Only. |  |  | 05/19/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25530474 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Please provide deed signed at closing, transferring property solely to our borrower. |  | Reviewer Comment (2022-05-12): Deed received | 05/12/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25530811 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines for the WVOE program require the most recent one months' bank statement, supporting at least 65% of the WVOE income in the file. Total income from both sources is $29,638.13 x 65% = $19,264.78. The most recent bank statement provided reflects total deposits of $18,835.46, which is less than 65% of the WVOE income and does not meet guideline requirements. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-05-27): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-26): Receive Lenders Loan Exception Request form; however, all exceptions must come from investor. |  |  | 05/27/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25530889 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-05-26): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-24): Received same credit report xxxxxx) provided during initial review. (Guideline: A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing) |  |  | 05/26/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25531150 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-26): The final title policy was provided.<br>Reviewer Comment (2022-05-05): Client elects to waive | 08/26/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25531163 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Internet Search | WVOE program requires an internet search of the employer listed on the WVOE. This was not provided for either employer reflected on the WVOEs provided. |  | Reviewer Comment (2022-05-16): Received Internet Search for each employer.<br>Reviewer Comment (2022-05-12): Received for Integrated, although needs to be dated. Still need for xxxxxx! | 05/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25531202 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List containing the 10 counseling agencies was not provided. |  | Reviewer Comment (2022-05-05): Client elects to waive |  |  | 05/05/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25733087 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $162.50 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. xxxxxx | Fee increased beyond tolerance limits. No VCC in loan file. |  | Reviewer Comment (2022-07-11): SituAMC Received PCCD dated xxxxxx along with LOE, Copy of check and Proof of mailing.<br>Reviewer Comment (2022-06-15): SitusAMC Received COC dated xxxxxx stating "Increased recording charges final CD for closing" which is not valid reason. Also Recording fee added on LE dated xxxxxx Please provide valid COC with additional Information which can explain why Recording Fee added on LE dated xxxxxx or Please provide cure along with cure documents. |  | 07/11/2022 |  | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 25733088 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,680.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Fee increased beyond tolerance limits. No VCC in loan file. |  | Reviewer Comment (2022-07-11): SituAMC Received PCCD dated xxxxxx along with LOE, Copy of check and Proof of mailing.<br>Reviewer Comment (2022-06-15): SitusAMC Received COC dated xxxxxx which does not states any valid reason for Loan discount Points added on CD dated xxxxxx . Please provide valid COC with additional Information which can explain why Loan Discount Points added on CD dated xxxxxx or Please provide cure along with cure documents. |  | 07/11/2022 |  | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | 26252570 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final CD reflects a disbursement date prior to closing. Provide the Final Settlement Statement to confirm disbursement date. Estimated only in file. |  | Reviewer Comment (2022-07-12): The Final CD was provided. | 07/12/2022 |  |  | 1 A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | 25523999 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Secondary Valuation is required and missing. |  | Reviewer Comment (2022-05-11): CDA received<br>Reviewer Comment (2022-05-09): CDA will be ordered | 05/11/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | 25524902 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-05-16): Approval received | 05/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | 25526428 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Unable to determine when the Lender provided the Appraisal to the Borrowers. |  | Reviewer Comment (2022-05-06): Client elects to waive |  |  | 05/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | 25526429 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Unable to determine when the Lender provided the Appraisal to the Borrowers. |  | Reviewer Comment (2022-05-06): Client elects to waive |  |  | 05/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | 25541681 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-05-18): Client elects to waive with verified compensating factors |  |  | 05/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | 25541830 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-05-06): Client elects to waive |  |  | 05/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | 25541831 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Notice of special flood hazards was not signed or dated by borrowers. |  | Reviewer Comment (2022-05-06): Client elects to waive |  |  | 05/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | 25541832 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of special flood hazards was not signed or dated by borrowers. |  | Reviewer Comment (2022-05-06): Client elects to waive |  |  | 05/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | 25530424 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file is missing the Approval. |  | Reviewer Comment (2022-05-16): Approval received | 05/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | 25531038 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | Guidelines require all large deposits exceeding 50% of the monthly income to be documented. The following large deposits are required to be documented: $24,000 on xxxxxx ; $24,760 on xxxxxx ; $17,700 on xxxxxx ; $18,262 on xxxxxx ; $50,000 on xxxxxx ; $17,420 on xxxxxx ; $20,631 on xxxxxx ; $19,430.52 on xxxxxx ; $14,956.07 on xxxxxx ; $14,845 on xxxxxx ; $78,000 on xxxxxx . | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-06-29): Client elects to waive with verified compensating factors |  |  | 06/29/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | 25531493 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1084 or income worksheet | The guidelines require an income worksheet to be included in the file; however, the income worksheet is missing from the file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-06-29): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-18): Per guideline 5.3.1.1. - Income Worksheet: The loan file must include an income worksheet detailing income calculations. |  |  | 06/29/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | 25531599 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-05-05): Client elects to waive |  |  | 05/05/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | 25531600 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The final closing disclosure reflects finance charges of $373,190.53; however, the calculated financed charges is $374,485.53. It appears the processing fee of $1,295 was not included in the finance charges on the final closing disclosure. |  | Reviewer Comment (2022-07-08): Investor agrees to accept EV3, SOL 1 yr, expires xxxxxx  |  |  | 07/08/2022 | 3 C | xxxxxx | xxxxxx | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | 25531601 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file is missing a copy of the initial Closing Disclosure. |  | Reviewer Comment (2022-05-16): SitusAMC received xxxxxx CD, | 05/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | 25531602 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | The revised loan estimate is dated xxxxxx and there is no evidence of when the loan estimate was provided to the borrower therefore the estimated received date was xxxxxx which is not at least 4 days prior to the loan closing. |  | Reviewer Comment (2022-05-16): SitusAMC received disclosure tracking indicating the revised LE was received the same day issued. | 05/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | 25531603 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,295.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7548) | The Processing Fee increased from $0.00 on the initial loan estimate to $1,295 on the revised loan estimate dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2022-07-08): Investor agrees to accept EV3, SOL 1 yr, expires xxxxxx <br> Reviewer Comment (2022-05-16): SitusAMC has not received any valid COC justifying the increase in Processing fee from $0 on LE dated xxxxxx to xxxxxx on LE dated xxxxxx Available COC dated xxxxxx states about loan amount change which cannot be considered as valid reason for the increase in processing fee. Kindly provide a valid change circumstance or cure documents for the same. |  |  | 07/08/2022 | 3 C | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | 25531628 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The guidelines require full copies of the lease agreements and most recent 2 months of proof of the receipt of the rental income. The file contains partial lease agreements for the properties located on xxxxxx and xxxxxx. In addition, the file does not contain the required 2 months of receipt of rental income for the properties located on xxxxxx, xxxxxx, and xxxxxx. Note: the rental income for these properties are required in order for the DTI to meet guideline requirements. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-06-29): Client elects to waive with verified compensating factors |  |  | 06/29/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769811 | xxxxxx | 25535599 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  | Reviewer Comment (2022-05-12): Client elects to waive |  |  | 05/12/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769811 | xxxxxx | 25535617 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy does not reflect the title policy amount. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-26): The final title policy was provided.<br>Reviewer Comment (2022-05-10): Client elects to waive | 08/26/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769811 | xxxxxx | 25535638 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Unit, xxxxxx, xxxxxx HOA Verification | The primary residence is condo unit and the file is missing evidence of the HOA dues. HOA amount used calculated from 1003 stated taxes, insurance and HOA amount. |  | Reviewer Comment (2022-05-12): Received/Verified $250/mo | 05/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769811 | xxxxxx | 25567274 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Please provide deed signed at closing, transferring property solely into our borrower's name. |  | Reviewer Comment (2022-05-13): Transfer Grant Deed provided | 05/13/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25569952 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-08): The final title policy was provided. | 12/08/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25570258 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | Final Closing Disclosure did not reflect the name of the HOA in section B, nor the Buyer's Agent in section H. |  | Reviewer Comment (2022-06-06): Received updated CD with payee details | 06/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25573264 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-08): The final title policy was provided.<br>Reviewer Comment (2022-05-13): Client elects to waive | 12/08/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25578404 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-07-08): The client elected to use how the Lender calculated the income rather than what is required by the guidelines. | 07/08/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25578405 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 111.71431% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Based on the income worksheet provided, Lender used 11 months of business bank statements and the xxxxxx personal statement, along with a 15% expense factor, to calculate borrowers' income. Guidelines do not allow the use of both business and personal statements. Further, there is nothing in the file to support a 15% expense factor. Using 12 months of business bank statements, dated xxxxxx through xxxxxx and a fixed 50% expense factor, DTI exceeds 50%. |  | Reviewer Comment (2022-07-08): The client elected to use how the Lender calculated the income rather than what is required by the guidelines. | 07/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25584950 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 10.80 is less than Guideline PITIA months reserves of 12.00. |  |  | Reviewer Comment (2022-06-16): Received Trust Agreement and IRS Form SS-4<br>Reviewer Comment (2022-05-24): 1) We don't have the PCCD dated xxxxxx (since PCCD is lender generated, would need Final HUD (stamped/certified) to accept. 2) We have already the EMD and proceeds from sale accounted for. 3) Assets we have; #7665 = $26,409.61 less xxxxxx Accts of $6,966 = $19,443.61. #1908 = $26,818.35. #6179 = $120,889.74. #2375 = excluded as in Trust Account with person shown not on loan; would need trust agreement and access letter to validate the right to funds. | 06/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25584952 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 111.71431% exceeds Guideline total debt ratio of 50.00000%. | Based on the income worksheet provided, Lender used 12 months of business bank statements and the xxxxxx personal statement 13 total, along with a 15% expense factor, to calculate borrowers' income. Guidelines do not allow the use of both business and personal statements. Further, there is nothing in the file to support a 15% expense factor. Using 12 months of business bank statements, dated xxxxxx through xxxxxx, and a fixed 50% expense factor, DTI exceeds 50%. |  | Reviewer Comment (2022-07-08): The client elected to use how the Lender calculated the income rather than what is required by the guidelines. | 07/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25584957 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-07-08): The client elected to use how the Lender calculated the income rather than what is required by the guidelines. | 07/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25611743 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-05-13): Client elects to waive |  |  | 05/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25611779 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note reflects the city as xxxxxx; however, the insurance reflects xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-07-11): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-05-25): This exception is per the investor's request the HOI address must match the Note. Client can elect to waive with compensating factors.<br>Reviewer Comment (2022-05-24): Per the investor's request the HOI address must match the Note; Client can elect to waive with compensating factors |  |  | 07/11/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25611789 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note reflects the city as xxxxxx; however, the flood certificate reflects xxxxxx xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-07-11): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-05-25): This is exception is per the investor's request the Flood/HOI address must match the Note; Client can elect to waive with compensating factors.<br>Reviewer Comment (2022-05-24): Per the investor's request the Flood/HOI address must match the Note; Client can elect to waive with compensating factors |  |  | 07/11/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25611798 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Appraisal / Valuation Report date: xxxxxx | Note reflects the city as xxxxxx; however, both appraisals provided reflect xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-07-11): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-05-25): This exception is per the investor's request the valuation(s) address must match the Note; Client can elect to waive with compensating factors.<br>Reviewer Comment (2022-05-24): Per the investor's request the valuation(s) address must match the Note; Client can elect to waive with compensating factors |  |  | 07/11/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25611879 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Only the first page of the xxxxxx of the business account ending in 7665 was provided. Please provide full statement. |  | Reviewer Comment (2022-06-09): Received all pages of 7665 ending xxxxxx .<br>Reviewer Comment (2022-05-23): Received the same documents provided during initial review. For Account xxxxxx ending xxxxxx we only have first page (1 of 6), (statement shows there are 6 pages) | 06/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 25611900 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of $-2,944.54 is less than AUS required disposable income of $2,500.00. |  |  | Reviewer Comment (2022-07-08): The client elected to use how the Lender calculated the income rather than what is required by the guidelines.<br>Reviewer Comment (2022-05-24): xxxxxx Guidelines; Minimum Residual Income = $2,500. | 07/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | 26251133 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Lender used a 13-month average, a 15% expense ratio, and a personal account statement for the most recent month to calculate the income. Guidelines require a 12-month average, a 50% expense ratio, and all business account statements are required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-07-08): The client elects to waive with comp factors. |  |  | 07/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768908 | xxxxxx | 25645451 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-05-19): Client elects to waive |  |  | 05/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768908 | xxxxxx | 25667219 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-05-23): Received UDM; Active from xxxxxx to xxxxxx . | 05/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 766855 | xxxxxx | 25665370 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report not provided. |  | Reviewer Comment (2022-06-08): Received for both borrowers<br>Reviewer Comment (2022-06-02): Fraud Report received for xxxxxx. Pending receipt for xxxxxx. | 06/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 766855 | xxxxxx | 25665647 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.86530% or Final Disclosure APR of 6.88000% is in excess of allowable threshold of APOR 3.76% + 1.5%, or 5.26000%. Non-Compliant Higher Priced Mortgage Loan. | Federal Non-Compliant HPML, APR of 6.86530% or final CD APR of 6.88000% is in excess of allowable threshold of APOR 3.61% + 1.5% or 5.1100% |  | Reviewer Comment (2022-06-08): Received eSign; borrower received Disclosure of Right to Received a Copy of the Appraisals<br>Reviewer Comment (2022-06-02): Document provided is dated the day of closing. The Right to Receive Appraisal Disclosure must be received within 3 business days of application date. | 06/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 766855 | xxxxxx | 25665659 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan estimate not delivered or placed in mail to borrower within 3 days of application date of xxxxxx . |  | Reviewer Comment (2022-06-10): SitusAMC received initial LE dated xxxxxx <br>Reviewer Comment (2022-06-07): Initial LE within dated within 3 days of application date of xxxxxx was not located in the loan file. Please provide initial LE for testing.<br>Reviewer Comment (2022-06-06): SitusAMC received e-consent initial application date xxxxxx whereas the initial LE dated xxxxxx . Please provide initial LE which is within three business days of initial application. | 06/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 766855 | xxxxxx | 25666832 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List in file was provided; however, it is not dated to determine that it was dated within 30 days of application. |  | Reviewer Comment (2022-05-20): Client elects to waive |  |  | 05/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 766855 | xxxxxx | 25667129 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date of xxxxxx . |  | Reviewer Comment (2022-05-20): Client elects to waive |  |  | 05/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 766855 | xxxxxx | 25667130 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date of xxxxxx . |  | Reviewer Comment (2022-06-08): Received eSign; borrower received Disclosure of Right to Received a Copy of the Appraisals<br>Reviewer Comment (2022-06-07): Initial LE within dated within 3 days of application date of xxxxxx was not located in the loan file. Please provide initial LE for testing.<br>Reviewer Comment (2022-06-02): Document provided is dated the day of closing. The Right to Receive Appraisal Disclosure must be received within 3 business days of application date. | 06/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771000 | xxxxxx | 25947169 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing VOM for the borrower's primary REO at xxxxxx (xxxxxx primary). This REO was refinanced on xxxxxx per the CD provided. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-11): The client elects to waive with comp factors. |  |  | 07/11/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771000 | xxxxxx | 25947379 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Required document; not found in file |  | Reviewer Comment (2022-06-22): BP Cert received | 06/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771652 | xxxxxx | 25991080 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is missing on provided Title preliminary report. |  | Reviewer Comment (2022-08-18): The final title policy was provided.<br>Reviewer Comment (2022-06-21): Client elects to waive | 08/18/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 25998030 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The borrower received a gift in the amount of $30,000 verified by a deposit receipt and wire confirmation. The file is missing a copy of the gift letter. |  | Reviewer Comment (2022-06-27): Gift Letter received | 06/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 25999395 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 47.02617% exceeds Guideline total debt ratio of 45.00000%. | The guidelines allow for a maximum DTI of 45% for a First Time Home Buyer. The verified DTI is 50.24%. There is an Investor exception in the file to allow the DTI to go to 49%. Please note, the difference in the 49% and 50.24% DTI is due to the lender used Social Security income of $1,371 to qualify the loan instead of $1,317 as reflected the award letter. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-01): Waived with compensating factors per investor exception request report.<br>Reviewer Comment (2022-06-30): Received additional bank statement (most recent xxxxxx) and added for qualification. Adjusted the 12 month calculation. DTI still in excess of 45%.<br>Reviewer Comment (2022-06-30): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 50.23528% exceeds Guideline total debt ratio of 45.00000%. |  |  | 07/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 25999449 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-06-21): Client elects to waive |  |  | 06/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 25999450 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.38310% or Final Disclosure APR of 7.42500% is in excess of allowable threshold of APOR 5.18% + 1.5%, or 6.68000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-06-23): Received a copy of the email showing the appraisal report was delivered to borrower | 06/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 25999451 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-06-23): Received a copy of the email showing the appraisal report was delivered to borrower | 06/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 25999452 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan does not meet the Loan Designation of Non QM due to the DTI of 50.24% exceeds the guideline maximum of 45%. Please note, the difference in the 49% and 50.24% DTI is due to the lender used Social Security income of $1,371 to qualify the loan instead of $1,317 as reflected the award letter. |  | Reviewer Comment (2022-07-01): Waived with compensating factors per investor exception request report.<br>Reviewer Comment (2022-06-30): Received additional bank statement (most recent xxxxxx) and added for qualification. Adjusted the 12 month calculation. DTI still in excess of 45%. | 07/01/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 25999453 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to the DTI of 50.24% exceeds the guideline maximum of 45%. Please note, the difference in the 49% and 50.24% DTI is due to the lender used Social Security income of $1,371 to qualify the loan instead of $1,317 as reflected the award letter. |  | Reviewer Comment (2022-07-01): Waived with compensating factors per investor exception request report.<br>Reviewer Comment (2022-06-30): Received additional bank statement (most recent xxxxxx) and added for qualification. Adjusted the 12 month calculation. DTI still in excess of 45%. | 07/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 25999454 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.23528% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The guidelines allow for a maximum DTI of 45% for a First Time Home Buyer. The verified DTI is 50.24%. There is an Investor exception in the file to allow the DTI to go to 49%. Please note, the difference in the 49% and 50.24% DTI is due to the lender used Social Security income of $1,371 to qualify the loan instead of $1,317 as reflected the award letter. |  | Reviewer Comment (2022-06-30): Received additional bank statement (most recent xxxxxx) and added for qualification. Adjusted the 12 month calculation. DTI still in excess of 45%. | 06/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 25999459 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-18): The final title policy was provided. | 08/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 26083775 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-06-30): Received clearance report addressing flags | 06/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771652 | xxxxxx | 26212487 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 47.02617% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Received additional bank statement (most recent xxxxxx) and added for qualification. Adjusted the 12 month calculation. DTI still in excess of 45%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-01): Waived with compensating factors per investor exception request report. |  |  | 07/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771684 | xxxxxx | 26094678 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-08-26): Received final title<br>Reviewer Comment (2022-06-29): Client elects to waive | 08/26/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771684 | xxxxxx | 26114661 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing the Final Title Policy. |  | Reviewer Comment (2022-08-26): Received final title | 08/26/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771684 | xxxxxx | 26115130 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-06-29): Client elects to waive |  |  | 06/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771684 | xxxxxx | 26116284 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 8.11 is less than Guideline PITIA months reserves of 12.00. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-06-29): Waived with compensating factors per investor exception request in file. |  |  | 06/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26476631 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The guidelines require a CPA letter in which the preparer must attest they have prepared the borrower's most recent tax return. The CPA letter in the file does not attest that they have prepared the borrower's most recent tax return. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-01): The client elects to waive with comp factors. |  |  | 09/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26476717 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx,xxxxxx, xxxxxx Account Statements, Statement | The guidelines require documentation to verify the property taxes and insurance are included the PITIA and two months of proof of the receipt of the rental income into the borrower's personal bank statements. The file is missing documentation to verity the taxes and insurance are included in the investment properties PITIA and the two months of rental income for $3,600 per month. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-19): Client elects to waive with verified compensation factors |  |  | 08/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26476797 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require verification of mortgage for all mortgages up to the month prior to the note date. The file is missing a verification of mortgage for the borrower's investment property. In addition, the second lien on the subject property has a payment history provided through xxxxxx 21; however, the loan closed in xxxxxx 22; therefore, the payments for xxxxxx 22, xxxxxx 22 and xxxxxx 22 are missing. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-19): Client elects to waive with verified compensation factors |  |  | 08/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26477038 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 707 is less than Guideline representative FICO score of 720. | The xxxxxx guidelines requires a credit score of 720 for a cash-out refinance of a primary residence with a loan amount up to $2,000, 0000. The qualifying score is 707. The file contains a lender exception; however, the investor exception is missing. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-19): Client elects to waive with verified compensation factors |  |  | 08/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26477063 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26477064 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.08290% or Final Disclosure APR of 7.11500% is in excess of allowable threshold of APOR 4.23% + 2.5%, or 6.73000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-08-31): Received appraisal email | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26477065 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26477066 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-08-31): Received appraisal email | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26477067 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26477069 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file is missing a copy of the initial Closing Disclosure. |  | Reviewer Comment (2022-08-29): SitusAMC received initial CD dated xxxxxx .<br>Reviewer Comment (2022-08-19): SitusAMC received initial CD however the page is cutoff from the bottom. Kindly provide complete copy of initial CD in order to clear the exception. | 08/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26477072 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Report did not contain the Loan Policy amount. |  | Reviewer Comment (2022-08-19): The final title policy was provided. | 08/19/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26477078 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-19): The final title policy was provided. | 08/19/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | 26714422 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-08-31): Client elects to waive |  |  | 08/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771429 | xxxxxx | 26033117 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-26): The final title policy was provided. | 08/26/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 771429 | xxxxxx | 26033126 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-26): The final title policy was provided.<br>Reviewer Comment (2022-06-22): Client elects to waive | 08/26/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 771429 | xxxxxx | 26094232 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx., xxxxxx, xxxxxx, xxxxxx Account Statements | Section 5.3.7 of the Alt Doc - Rental Income guidelines require a copy of the lease for the rental property, along with 2 months of proof of the receipt of rental income. The deposits must be to a separate bank account and any deposits in the business bank statements used in the business income analysis are not eligible. Loan file contains the lease agreement; however, we are missing the 2 months proof of the receipt of rental income. |  | Reviewer Comment (2022-06-27): Received 2 months of bank statement that show the deposit(s) that match the rent payment. | 06/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 771429 | xxxxxx | 26094238 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-06-27): Adjusted FraudGuard received clearing flags | 06/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 771564 | xxxxxx | 26245474 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing List of Homeownership Counseling Organizations |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771564 | xxxxxx | 26245475 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 6.98440% or Final Disclosure APR of 7.19100% is in excess of allowable threshold of APOR 5.38% + 1.5%, or 6.88000%. Compliant Higher Priced Loan. |  |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771564 | xxxxxx | 26245478 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $221.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-07-15): SitusAMC received valid COC dated xxxxxx . | 07/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771564 | xxxxxx | 26288367 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR in file only covers the most recent 4 months of housing history for the borrower. Please provide prior 8 months housing history to verify it is 0x30x12 per guideline requirements. |  | Reviewer Comment (2022-07-18): Received property history report reflecting previously owned free & clear. | 07/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771564 | xxxxxx | 26302018 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | VOR provided reflects borrower has been late one time in the prior 12 months, which is not allowed per xxxxxx guidelines (0x30x12 in past 12 months). | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-20): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-29): The rebuttal is not acceptable as the VOR provided states number of times 30 days past due as 1. Provide the updated VOR reflecting no late payments.<br>Reviewer Comment (2022-08-17): Ledger received; however, an updated VOR will be required reflecting no late payments to clear this condition. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26278673 | xxxxxx | xxxxxx | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Borrower: xxxxxx | Per guidelines for a non-permanent resident alien, a current VISA and EAD is required and was not provided. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-01): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-11): A Visa is required even if expired as the employer must match the I-797 to be acceptable.<br>Reviewer Comment (2022-08-09): I-797 is not a VISA. Please provide current VISA per guidelines. |  |  | 09/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26279519 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per guidelines for a non-permanent resident alien, a current VISA and EAD is required and was not provided. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-01): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-11): A Visa is required even if expired as the employer must match the I-797 to be acceptable.<br>Reviewer Comment (2022-08-09): I-797 is not a VISA. Please provide current VISA per guidelines. |  |  | 09/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26279669 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,155.00 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | Per appraisal, HOA costs are $xxxxxx per year. |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26279700 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Closing Disclosure issued xxxxxx and acknowledge by the borrower xxxxxx closing Date. |  | Reviewer Comment (2022-07-22): SitusAMC received the initial CD. | 07/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26279703 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7522) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-07-22): SitusAMC Received corrected PCCD dated xxxxxx along with LOE, Copy of check and Proof of mailing. |  | 07/22/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26303700 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Two years of employment was not verified. |  | Per the guidelines for the Bank Statement program, borrower is required to document 2 years of self-employment on the 1003 and the business must have been in existence for 2 years. Per the CPA letter in the loan file, business has been in existence for 1 year, 11 months at the time of closing which does not meet the guideline requirements. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26303705 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Borrower is listed as self-employed with less than 50% ownership in the business. |  | Per the guidelines, borrower must own at least 50% of the business used to qualify. Per CPA letter in file, borrower owns 33.34% of the business, which does not meet guideline requirements. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26303719 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Borrower owns 33.34% of business used for assets in transaction. Per guidelines, need LOE from additional owners of business acknowledging use of business funds for subject transaction. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26303726 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 85.00000%. | Maximum LTV for a non-permanent resident alien is 85%. Loan was approved at 90% LTV. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26303727 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Borrower owns 33.34% of business. Using borrower's ownership percentage of business funds, file is short the required 3 months reserves. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26303729 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $105,579.75 is less than Cash From Borrower $123,500.74. | Borrower owns 33.34% of business. Using borrower's ownership percentage of business funds, file is short the required funds to close. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26303730 | xxxxxx | xxxxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note date: xxxxxx ; Lien Position: 1 |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26303733 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx LOE other owners | Borrower owns 33.34% of business being used for income qualification. Guidelines require letter from additional owners acknowledging the transaction and the use of business funds. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-07-29): Waived with compensating factors per investor request. |  |  | 07/29/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | 26303743 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771505 | xxxxxx | 26159892 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | The FACTA Credit Score Disclosure was provided xxxxxx to the Borrowers. The Note Date is xxxxxx . Creditor did not provide the Disclosure within a reasonably time after using the Credit Score. |  | Reviewer Comment (2022-06-30): Client elects to waive |  |  | 06/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771505 | xxxxxx | 26218265 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject transaction was approved as a 12 month bank statement loan, utilizing $9,960.57 per month in income from the Borrower only. Loan file contains the 2021 1040, which was filed jointly, and reflects total income for both borrowers of $53,650 annually, or $4,470.83 per month, which does not support the bank statement income used at origination. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-07-05): Waived with compensating factors per investor request. |  |  | 07/05/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772501 | xxxxxx | 26160336 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing the Final Title Policy. |  | Reviewer Comment (2022-08-26): Received final title | 08/26/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772501 | xxxxxx | 26191367 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 5.25631% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or .25631%). |  |  | Reviewer Comment (2022-06-30): Client elects to waive |  |  | 06/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 772501 | xxxxxx | 26216963 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-07-05): Gap provided | 07/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772501 | xxxxxx | 26216983 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-26): The final title policy was provided.<br>Reviewer Comment (2022-06-30): Client elects to waive | 08/26/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773420 | xxxxxx | 26158094 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Lender exception in file to allow the use of short term rental income for DSCR calculations and allowing an LTV up to 80%. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-07-10): The investor must approve all exception requests |  |  | 07/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 770857 | xxxxxx | 26225231 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx., xxxxxx xxxxxx Statement | Missing statement and proof of taxes and insurance for REO on xxxxxx. |  | Reviewer Comment (2022-07-06): Statement provided. T&I is escrowed. | 07/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | 26202802 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Documentation was not provided that the Borrower received a copy of the Appraisal. Document was not provided signed and dated by the Borrower that the Borrower acknowledged receiving a copy of the Appraisal at least 3 Business Days prior to Consummation or that waived the timing requirements. |  | Reviewer Comment (2022-07-06): Client elects to waive |  |  | 07/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | 26202803 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-07-11): Signed Attestation from the borrower stating they recevied the appraisal. | 07/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | 26203036 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,752.30 exceeds tolerance of $1,733.00. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax exceeds the tolerance without a Valid Change of Circumstance. |  | Reviewer Comment (2022-07-22): StusAMC received Letter of Explanation, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2022-07-11): SitusAMC received COC which states change of state stamp tax from $0 to $1181.25 however, there is no valid reason available for the fee increases. Total transfer tax increased from LE xxxxxx to CD xxxxxx is xxxxxx to xxxxxx. The loan amount was reduced from LE dated xxxxxx to CD dated xxxxxx so this cannot increase the fee. Kindly provide additional information from which we can validate the increase to re-baseline the fee or cure will be required. |  | 07/22/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | 26205949 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.06830% or Final Disclosure APR of 8.08600% is in excess of allowable threshold of APOR 5.35% + 1.5%, or 6.85000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-07-11): Signed Attestation from the borrower stating they recevied the appraisal. | 07/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | 26205950 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor failure due to the Appraisal is not in the Lenders name. The file is missing the Transfer Letter. |  | Reviewer Comment (2022-07-06): Client elects to waive |  |  | 07/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | 26205966 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-07-06): Client elects to waive |  |  | 07/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | 26233223 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, FTHB are required to have 0x30x12 housing history. Borrower currently lives rent free, which does not meet FTHB guideline requirements. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-07-15): Comp factors used to waive exception |  |  | 07/15/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | 26233517 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 10.26 is less than Guideline PITIA months reserves of 12.00. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-07-11): The client elects to waive with comp factors. |  |  | 07/11/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | 26233526 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-14): cleared | 07/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773309 | xxxxxx | 26200379 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx-xxxxxx % of Business Ownership: 50.00% | Articles of Organization shows two signatures on form and Operating agreement is missing. |  | Reviewer Comment (2022-07-14): An updated Articles of Organization was provided with only one manager. | 07/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773309 | xxxxxx | 26200408 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Lender exception provided to allow the use of the short term rental income for DSCR calcs and allow an LTV up to 80%. Must be approved by the investor. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-07-13): The client elects to waive with comp factors.<br>Reviewer Comment (2022-07-11): An exception must come from the investor. |  |  | 07/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773309 | xxxxxx | 26200436 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Not provided. |  | Reviewer Comment (2022-08-02): Updated Articles of Org provided dated xxxxxx which shows the Guarantor as the only manager. Per guidelines, an Operating Agreement is not required per guidelines. Just states to verify ownership. Per seller, Guarantor is 100% owner.<br>Reviewer Comment (2022-07-27): The Articles of Org does not verify % owned of the business entity. Further per guidelines, all Entity members must also be borrowers. Need documentation regarding ownership %.<br>Reviewer Comment (2022-07-19): The Guaranty Agreement that was provided but still needs the Operating Agreement.<br>Reviewer Comment (2022-07-14): Operating Agreement not found in the trailing docs. | 08/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773309 | xxxxxx | 26200438 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Not provided. |  | Reviewer Comment (2022-07-14): Corporate Resolution is not required for an LLC business. | 07/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771721 | xxxxxx | 26211081 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Missing the Ohio - Acknowledgment of Receipt of Home Mortgage Loan Information Document. |  | Reviewer Comment (2022-07-06): Client elects to waive |  |  | 07/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771721 | xxxxxx | 26211117 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 678 is less than Guideline representative FICO score of 680. | Minimum FICO for a FTHB is 680. Loan was approved with a 678 FICO. Investor exception request in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-07-06): Waived with compensating factors per investor exception request in file |  |  | 07/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771721 | xxxxxx | 26236942 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-01): Fraud report reflects UDM with an end date of xxxxxx  | 08/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771721 | xxxxxx | 26237014 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: 1812.00 |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-07-06): Client elects to waive |  |  | 07/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773463 | xxxxxx | 26225582 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Funds from Business Account / Account Number:xxxxxx | Per guidelines, most recent 2 months statements required. |  | Reviewer Comment (2022-08-08): Additional statement provided<br>Reviewer Comment (2022-07-29): Loan was UW to 6.2022 guidelines. Guidelines, page 13, under the regular DSCR (not FN) state 2 months recent statements under asset requirements. Condition remains.<br>Reviewer Comment (2022-07-21): Documents provided were in file at time of review 2/18-3/31 is < 2 months of statements | 08/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773463 | xxxxxx | 26255808 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003 to reflect xxxxxx. Certificate of Naturalization in file. |  | Reviewer Comment (2022-08-01): updated 1003 provided<br>Reviewer Comment (2022-07-21): The document provided was in file at time of review. Condition is requesting updated 1003 to reflect xxxxxx. | 08/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773463 | xxxxxx | 26255824 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is rented out as an xxxxxx per LOE in file as of 8/2021 which is < 12 months. Lender utilized ledger rents x 10 for DSCR calcs. Per guidelines, a 12 month lookback must be provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-17): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-08-08): 1003 does not clear this condition. A 12 month lookback is required. |  |  | 08/17/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772550 | xxxxxx | 26226909 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-18): The final title policy was provided. | 08/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772550 | xxxxxx | 26227035 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-07-15): Pictures reflecting the xxxxxx were in the file. | 07/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772550 | xxxxxx | 26227059 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | DOT reflects a "Business Purpose Loan Rider to Security Instrument" is to be executed by borrower and attached; however, it is not present in the loan file. Further, subject transaction is a purchase of a primary residence. If Rider is not applicable, corrected DOT, with LOE and proof of delivery to borrower, along with notice of intent to re-record will be required. |  | Reviewer Comment (2022-07-21): cleared | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772550 | xxxxxx | 26227147 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-07-11): Client elects to waive |  |  | 07/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772550 | xxxxxx | 26227171 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | No seller fee disclosed. |  | Reviewer Comment (2022-07-15): SitusAMC received Seller CD. | 07/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772550 | xxxxxx | 26227172 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | File only contains final CD signed by borrowers at closing. |  | Reviewer Comment (2022-07-15): SitusAMC received the initial CD. | 07/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772550 | xxxxxx | 26227173 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $210.00 exceeds tolerance of $180.00 plus 10% or $198.00. Insufficient or no cure was provided to the borrower. xxxxxx | Ten percent fee tolerance exceeded. |  | Reviewer Comment (2022-07-29): SitusAMC reecived: Letter of Explanation, Copy of Refund Check, and Corrected PCCD |  | 07/29/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772550 | xxxxxx | 26253500 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2022-08-18): The final title policy was provided.<br>Reviewer Comment (2022-07-11): Client elects to waive | 08/18/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772550 | xxxxxx | 26253515 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 11,318.67 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-07-11): Client elects to waive |  |  | 07/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772550 | xxxxxx | 26293178 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | 6/22 CD is not signed and using mailbox rule was not received 3 or more days prior to closing. |  | Reviewer Comment (2022-07-18): SitusAMC received proof of receipt. | 07/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773468 | xxxxxx | 26225667 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The name of the Borrowing Entity business contains "xxxxxx", however all legal documents do not. |  | Reviewer Comment (2022-09-12): A signed Affidavit of Correction was provided.<br>Reviewer Comment (2022-09-08): Received revised Note, PPP Note Addendum, and 1003. Pending receipt of corrected DOT + Riders or Scrivener's Affidavit, corrected Deed, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record.<br>Reviewer Comment (2022-08-19): The document provided only corrects the vesting. All executed documents do not contain xxxxxx within the LLC name. All documents will need to be corrected, along with an LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. Legal documents = Note + Riders, DOT + Riders, 1003, Deed, and Guarantor Agreement | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773468 | xxxxxx | 26228484 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-07-21): Fraud Report provided | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773468 | xxxxxx | 26228743 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing was not provided. |  | Reviewer Comment (2022-07-21): COGS provided | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773468 | xxxxxx | 26228758 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Lender Exception provided for Novice Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-07-21): Investor must approve exception |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773468 | xxxxxx | 26255942 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The Operating Agreement for the Entity is not executed. |  | Reviewer Comment (2022-07-21): Same document provided was in file at time of review. Per original condition, the Ops Agreement for the Entity is not executed. | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773468 | xxxxxx | 26255966 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the xxxxxx 12 month lookback. Exception in file to utilize for rents without further LTV deduction. Must support lender qualified figure of $4,212.50/month. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-27): xxxxxx projections received<br>Reviewer Comment (2022-07-21): The lookback must be provided. The lender is utilizing xxxxxx rents to qualify, however the documents for this were not provided. This is a requirement otherwise the 1007 will be utilized and the DSCR will need to be calculated off of that. There is a separate exception already on the file for the exception to utilize xxxxxx rents without the LTV deduction. | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773468 | xxxxxx | 26255974 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file to utilize xxxxxx rents without further LTV deduction off of Novice Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771096 | xxxxxx | 26251864 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Lease Agreements to be provided. Per purchase contract, leases are transferring. |  | Reviewer Comment (2022-07-27): Provided lease for xxxxxx and LOE that son lives in xxxxxx with no rent or deposit.<br>Reviewer Comment (2022-07-14): Reviewed leases submitted and none are for the subject property listed on the Note. Please provide leases for subject property listed on Note. | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 771096 | xxxxxx | 26251866 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The Final CD reflects there is a PPP, however PPP rider was not provided. |  | Reviewer Comment (2022-07-27): Provided prepayment penalty rider | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | Yes | Property Focused |
| xxxxxx | 769373 | xxxxxx | 26230792 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing the Hazard Insurance Policy for the Subject Property. File only contains the invoice for the subject property HOI. |  | Reviewer Comment (2022-07-13): HOI provided | 07/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26230880 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | All red flags on the Fraud Report have not been addressed for the Borrower. |  | Reviewer Comment (2022-07-13): Clearance report provided | 07/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26230914 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI city of xxxxxx does not match Note city of xxxxxx |  | Reviewer Comment (2022-07-13): Corrected HOI provided | 07/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26231144 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 6.14564% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 1.14564%). |  |  | Reviewer Comment (2022-07-11): Client elects to waive |  |  | 07/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26231162 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law. | Prepayment Rider does not have the Prepay language stating that the prepay will not exceed maximum permitted by applicable law. |  | Reviewer Comment (2022-07-11): Client elects to waive |  |  | 07/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26231164 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $46,459.50 is less than Cash From Borrower $140,781.32. | Final 1003 reflects several asset accounts; however, the statements were not provided and borrower is short funds to close. |  | Reviewer Comment (2022-07-15): Cleared<br>Reviewer Comment (2022-07-13): Asset account for #xxxxxx was already in file at time of review. Pending receipt of additional asset accounts listed on 1003. Needed fo xxxxxx x 4 accounts and xxxxxx Bank #xxxxxx. | 07/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26257154 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Guidelines require 6 months reserves. Final 1003 reflects several additional asset accounts; however, they were not provided in the loan file. Missing required reserves. |  | Reviewer Comment (2022-07-15): Cleared<br>Reviewer Comment (2022-07-13): Asset account for #xxxxxx was already in file at time of review. Pending receipt of additional asset accounts listed on 1003. Needed for xxxxxx x 4 accounts and xxxxxx Bank #xxxxxx | 07/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26257171 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Missing HOI policy. |  | Reviewer Comment (2022-07-13): Per guidelines, acceptable if covers loan amount. | 07/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26257193 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address:xxxxxx, xxxxxx,xxxxxx Statement | Missing evidence of the PITIA payment on the REO on xxxxxx. 1003 indicates this is a refinance with current lender. |  | Reviewer Comment (2022-07-13): Final CD provided reflecting PITIA. | 07/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26257204 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate city of xxxxxx does not match Note city of xxxxxx. |  | Reviewer Comment (2022-07-13): Updated flood cert provided | 07/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 769373 | xxxxxx | 26257207 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Desk Review / Valuation Report date: xxxxxx | The appraisal and desk review city of xxxxxx does not match Note city of xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-07-15): Comp factors used to waive exception |  |  | 07/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772151 | xxxxxx | 26233109 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx, xxxxxx,xxxxxx | Tax certificate not provided. |  | Reviewer Comment (2022-07-14): Received | 07/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26233113 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx, xxxxxx,xxxxxx | Tax certificate not provided. |  | Reviewer Comment (2022-07-14): Received | 07/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26233117 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx, xxxxxx,xxxxxx | Tax certificate not provided. |  | Reviewer Comment (2022-07-14): Received | 07/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26233120 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx, xxxxxx,xxxxxx | Tax certificate not provided. |  | Reviewer Comment (2022-07-14): Received | 07/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26233123 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx, xxxxxx,xxxxxx | Tax certificate not provided. |  | Reviewer Comment (2022-07-14): Received | 07/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26233125 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx, xxxxxx,xxxxxx | Tax certificate not provided. |  | Reviewer Comment (2022-07-14): Received | 07/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26233127 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx, xxxxxx,xxxxxx | Tax certificate not provided. |  | Reviewer Comment (2022-07-14): Received | 07/14/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26233297 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.18576% exceeds Guideline loan to value percentage of 80.00000%. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-25): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-07-21): Please verify you want the exception waived.<br>Reviewer Comment (2022-07-20): Exception Explanation Updated from: Calculated loan to value percentage of 80.18576% exceeds Guideline loan to value percentage of 75.00000%.<br>Reviewer Comment (2022-07-14): Exception does not cover this. This is for excessive LTV. |  |  | 07/25/2022 | 2 C B | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26260639 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for loan allocation of $48,526 vs. the minimum required of $50,000 | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-14): Client elects to waive with verified compensation factors |  |  | 07/14/2022 | 2 C B | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26260709 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate for the property on xxxxxx t reflects xxxxxx in the address. |  | Reviewer Comment (2022-08-01): Updated flood cert provided | 08/01/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26260717 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The HOI property addresses reflect the same unit number again with xxxxxx added. |  | Reviewer Comment (2022-08-01): Updated polices provided | 08/01/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26260821 | xxxxxx | xxxxxx | Credit | Investment Product | General | Investment Product | Total Property Loan Amounts does not equal the original loan amount. | Total Property Loan Amounts: xxxxxx ; Original Loan Amount: xxxxxx | $0.01 off |  | Reviewer Comment (2022-07-21): Corrected Loan Agreement Provided<br>Reviewer Comment (2022-07-14): Updated loan agreement received; however, it is not signed by Lender, nor does it reflect "corrected". | 07/21/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26260830 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan Agreement reflects a loan amount of xxxxxx vs. xxxxxx per Note. |  | Reviewer Comment (2022-07-21): Corrected loan agreement signed by lender provided.<br>Reviewer Comment (2022-07-14): Updated loan agreement received; however, it is not signed by Lender, nor does it reflected corrected on the document. | 07/21/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772151 | xxxxxx | 26261005 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per purchase contract, leases are transferring. Provide the lease agreements. |  | Reviewer Comment (2022-08-01): Lease agreements provided for all units | 08/01/2022 |  |  | 1 C A | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773867 | xxxxxx | 26277224 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Per the guidelines for the P&L program, a CPA/EA letter is required, in which the CPA attests that they have prepared the borrower's most recent tax return and provide the borrower's ownership percentage. Loan file is missing the required CPA/EA letter. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-08-24): Waived with compensating factors per investor request. |  |  | 08/24/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773867 | xxxxxx | 26277225 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | The Security Instrument is missing the Notary date. |  | Reviewer Comment (2022-07-12): Client elects to waive |  |  | 07/12/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772355 | xxxxxx | 26241706 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 667 is less than Guideline representative FICO score of 680. | Minimum FICO for a FTHB on the xxxxxx program is 680. Loan was approved with a 667 FICO. Investor exception request in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-07-12): Waived with compensating factors per investor exception request in file. |  |  | 07/12/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772355 | xxxxxx | 26241892 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.45448% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.45448%). |  |  | Reviewer Comment (2022-07-12): Client elects to waive |  |  | 07/12/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772355 | xxxxxx | 26242023 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $735.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. (7506) | Zero percent fee tolerance exceeded. The CoC in file does not list a valid reason that the appraisal fee increased. |  | Reviewer Comment (2022-07-21): SitusAMC received COC with a valid LOX for the Appraisal fee increased due to Complexity property. | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772355 | xxxxxx | 26277269 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.37 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2022-07-15): Further review of the asset documents and the reserves requirement is now satisfied. | 07/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773495 | xxxxxx | 26242830 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.99686% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.99686%). | Points and Fees exceed Lender allowable maximum. |  | Reviewer Comment (2022-07-13): Client elects to waive |  |  | 07/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773495 | xxxxxx | 26284048 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List provided; however, it is not dated to determine it was provided within 30 days of the application date. |  | Reviewer Comment (2022-07-13): Client elects to waive |  |  | 07/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26247339 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-18): Fraud report provided. See added condition | 07/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26247514 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.67680% or Final Disclosure APR of 7.69400% is in excess of allowable threshold of APOR 5.16% + 1.5%, or 6.66000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-07-27): Provided acknowledgement that borrower waived the right to have 3 days before closing to review appraisal | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26247515 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The document was not provided |  | Reviewer Comment (2022-07-27): Provided acknowledgement that borrower waived the right to have 3 days before closing to review appraisal | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26247516 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The document was not provided |  | Reviewer Comment (2022-07-27): Provided acknowledgement that borrower waived the right to have 3 days before closing to review appraisal | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26285603 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per final 1003, borrower has rented their current residence for 2 months with a payment of $3,000 per month; however, the loan file is missing the VOR/proof of rent for this residence as required by guidelines. |  | Reviewer Comment (2022-07-28): Sufficient documentation to support rental history was provided | 07/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26285756 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Per final 1003, borrower has an alimony obligation. Please provide divorce decree verifying the monthly amount listed. |  | Reviewer Comment (2022-07-19): Per the divorce decree, child support is reserved for an adult disabled child. Based on the definition of reserved child support which is "Reservation of child support means that the court decided to put off making a decision about child support payments at the present time. The court does this until the facts of the case change enough to make an informed decision regarding the payment amount and schedule." No other indication of any child support payments in file. Reasonable to assume still reserved or payments not required at this time.<br>Reviewer Comment (2022-07-18): Divorce decree provided from 2018. Verified alimony payment, however child support payments are reserved, meaning a decision has not been determined for amount as of yet and will be determined at a later date. Need something verifying this is still reserved or amount of child support borrower is currently paying, if any. Will need to be included into the DTI. | 07/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26285797 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) | Missing evidence appraisal received by borrower at least 3 business days prior to closing. |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26285798 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) | Missing evidence appraisal received by borrower at least 3 business days prior to closing. |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26285799 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List provided; however, it is not dated to determine if it was within 30 days of application date. |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | 26302700 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | Persons on watch list not addressed; Judgment against borrower for $xxxxxx not addressed. |  | Reviewer Comment (2022-08-01): Evidence the red flags were addressed was provided. | 08/01/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773151 | xxxxxx | 26248701 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2023-02-10): The final title policy was provided. | 02/10/2023 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773151 | xxxxxx | 26248737 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2023-02-10): The final title policy was provided.<br>Reviewer Comment (2022-07-14): Client elects to waive | 02/10/2023 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773151 | xxxxxx | 26249025 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773151 | xxxxxx | 26249026 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773151 | xxxxxx | 26249027 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.16430% or Final Disclosure APR of 8.17600% is in excess of allowable threshold of APOR 5.86% + 1.5%, or 7.36000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-09): Evidence the appraisal was delivered on xxxxxx was provided<br>Reviewer Comment (2022-08-25): Reviewed rebuttal from Seller. Please provide the full "residential appraisal order details" document that is shown in the rebuttal document screenshot for review.<br>Reviewer Comment (2022-08-22): Per the email receipt in file, borrower did not acknowledge/consent to receive the appraisal via email nor download the report until xxxxxx Provide an attestation from the compliance team supporting lender is open for business on Saturdays to include in timing requirements. The attestation provided in file is from an xxxxxx stating some divisions of the lender are open on Saturdays, which would not be sufficient.<br>Reviewer Comment (2022-08-15): No new documents received. Per compliance, an attestation from the Lender's compliance department stating they are open for normal business hours on Saturdays is required to clear this condition.<br>Reviewer Comment (2022-08-09): Per the email sent to xxxxxx on xxxxxx an attestation from someone in xxxxxx compliance department, attesting that they are open for normal business on Saturday is required to clear this condition.<br> The email received today is from a National xxxxxx stating some divisions of xxxxxx are open on Saturdays, which would not be sufficient to clear the 3 open appraisal conditions.<br>Reviewer Comment (2022-07-21): Received same documentation in file. The borrower's receipt of appraisal on xxxxxx is not 3 business days prior to the consummation of the loan on xxxxxx . It is required to be received at least 3 business days prior to consummation. | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773151 | xxxxxx | 26249028 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-09): Evidence the appraisal was delivered on xxxxxx was provided<br>Reviewer Comment (2022-08-25): Reviewed rebuttal from Seller. Please provide the full "residential appraisal order details" document that is shown in the rebuttal document screenshot for review.<br>Reviewer Comment (2022-08-22): Per the email receipt in file, borrower did not acknowledge/consent to receive the appraisal via email nor download the report until xxxxxx Provide an attestation from the compliance team supporting lender is open for business on Saturdays to include in timing requirements. The attestation provided in file is from an xxxxxx stating some divisions of the lender are open on Saturdays, which would not be sufficient.<br>Reviewer Comment (2022-08-15): No new documents received. Per compliance, an attestation from the Lender's compliance department stating they are open for normal business hours on Saturdays is required to clear this condition.<br>Reviewer Comment (2022-08-09): Per the email sent to xxxxxx on xxxxxx an attestation from someone in xxxxxx compliance department, attesting that they are open for normal business on Saturday is required to clear this condition.<br> The email received today is from a National xxxxxx stating some divisions of xxxxxx are open on Saturdays, which would not be sufficient to clear the 3 open appraisal conditions.<br>Reviewer Comment (2022-07-19): Received same appraisal delivery as in original file. A delivery date of xxxxxx is not 3 business days prior to consummation date of xxxxxx . | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26246085 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.14903% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .14903%). |  |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26246086 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | The borrower's Closing Disclosure does not reflect any seller fees. The file does not contain a copy of the seller's Closing Disclosure. |  | Reviewer Comment (2022-07-18): SitusAMC received Seller CD. | 07/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26246087 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | The file is missing evidence of when the Closing Disclosure dated xxxxxx was received by the borrower. The Estimated delivery date is xxxxxx which is not at least 4 days prior to closing. |  | Reviewer Comment (2022-07-18): SitusAMC received the initial CD. | 07/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26246101 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,790.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-3,255.00. (9300) | The Lender Credit decreased from $3,255 on the initial Loan Estimate to $2,790 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-08-04): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2022-07-28): SitusAMC received additional information for change in loan program on 6-29 for lock change. However, changed circumstance information on doc ID 45 states the program change had a borrower request date of xxxxxx. Lender notification was 4 business days from redisclosure date and timing not met for redisclosed within 3 business days. |  | 08/04/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26246114 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Certificate is missing North in the address. |  | Reviewer Comment (2022-07-18): Updated flood cert provided | 07/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26288231 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26288232 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.08470% or Final Disclosure APR of 8.08500% is in excess of allowable threshold of APOR 5.31% + 1.5%, or 6.81000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-07-28): proof of receipt of appraisal provided.. Loan is not Compliant HPML | 07/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26288233 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-07-28): proof of receipt of appraisal provided.. Loan is not Compliant HPML | 07/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26302325 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final xxxxxx) | Seller fees do not match borrower final CD. |  | Reviewer Comment (2022-08-04): SitusAMC received Seller CD. . | 08/04/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | 26357500 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | Per the appraisal notice, valuation was provided to the borrower xxxxxx which is prior to the report date of xxxxxx |  | Reviewer Comment (2022-07-28): Client elects to waive |  |  | 07/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | 26245135 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is missing on the provided Title Preliminary report. |  | Reviewer Comment (2022-08-18): The final title policy was provided.<br>Reviewer Comment (2022-07-14): Client elects to waive | 08/18/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | 26245826 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-18): The final title policy was provided. | 08/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | 26246276 | xxxxxx | xxxxxx | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Notary Fee | Section B fee payee for the Notary is missing from the Final CD. |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | 26288696 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 54.64179% exceeds Guideline total debt ratio of 50.00000%. | Maximum DTI under the Platinum program is 50%. Per the income worksheet provided, lender used a 30% expense factor for the bank statements; however, there is no evidence in the file from a third party of this expense factor. Applying the standard 50% expense factor, DTI exceeds 50%. |  | Reviewer Comment (2022-07-27): CPA letter with expense factor of 30% was provided. | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | 26288718 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-07-27): CPA letter with expense factor of 30% was provided. | 07/27/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | 26288719 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-07-27): CPA letter with expense factor of 30% was provided. | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | 26288720 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 54.64179% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Maximum DTI under the Platinum program is 50%. Per the income worksheet provided, lender used a 30% expense factor for the bank statements; however, there is no evidence in the file from a third party of this expense factor. Applying the standard 50% expense factor, DTI exceeds 50%. |  | Reviewer Comment (2022-07-27): CPA letter with expense factor of 30% was provided. | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | 26288721 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was provided; however, it is not dated to determine it is within 30 days of application date. |  | Reviewer Comment (2022-07-14): Client elects to waive |  |  | 07/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773401 | xxxxxx | 26259175 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-07-22): Provided HOI policy | 07/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773401 | xxxxxx | 26259217 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Lender exception in file for STR. Max 75% LTV. Investor must approve. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-07-22): Exceptions must be approved by the investor |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 772586 | xxxxxx | 26259376 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing a third party Verification of Rent for the last 6 months prior to closing and 6 months mortgage history prior to that as reflected on the final application. |  | Reviewer Comment (2022-08-29): Lease Agreements and cancelled checks provided<br>Reviewer Comment (2022-08-26): No additional documents received. Please try resending.<br>Reviewer Comment (2022-08-24): Received divorce decree that reflects borrower's housing until xxxxxx. Please provide VOR for xxxxxx through closing, as borrower indicates they have rented for 6 months with a payment of $3,000. Further, if non-institutional VOR, canceled checks will be required. | 08/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26260441 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | The Credit Report for the Co-Borrower was aged more than 90 days at closing. Co-Borrower's Credit Report was dated xxxxxx and the loan closed on xxxxxx . | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-08): The client elects to waive with comp factors.<br>Reviewer Comment (2022-07-21): A UDM does not clear this condition. The scored credit report for the co-borrower is dated more than 90 days prior to the Note date. |  |  | 08/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26260532 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-07-18): Client elects to waive |  |  | 07/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26260533 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.46689% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.46689%). |  |  | Reviewer Comment (2022-07-18): Client elects to waive |  |  | 07/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26260539 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2022-07-18): Client elects to waive |  |  | 07/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26260540 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  | Reviewer Comment (2022-07-18): Client elects to waive |  |  | 07/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26260541 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.33720% or Final Disclosure APR of 7.33700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.23000 + 1.75%, or 6.98000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-07-18): Client elects to waive |  |  | 07/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26300513 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.33 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2022-07-20): Sufficient reserves once the source of the EMD is verified. New ATR exceptions set. | 07/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26312104 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing the source verification of the EMD $30,000. Canceled check in file, but need verification/statement of the check coming from the account. |  | Reviewer Comment (2022-09-15): Source bank statements provided | 09/15/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26312105 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Earnest Money Deposit/Earnest Money Deposit) | Missing the source verification of the EMD $30,000. Canceled check in file, but need verification/statement of the check coming from the account. |  | Reviewer Comment (2022-09-15): Source bank statements provided | 09/15/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772586 | xxxxxx | 26312106 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing the source verification of the EMD $30,000. Canceled check in file, but need verification/statement of the check coming from the account. |  | Reviewer Comment (2022-09-15): Source bank statements provided | 09/15/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772357 | xxxxxx | 26271063 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.29162% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .29162%). |  |  | Reviewer Comment (2022-07-18): Client elects to waive |  |  | 07/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772357 | xxxxxx | 26271064 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing the List of Homeownership Counseling Organizations. |  | Reviewer Comment (2022-07-18): Client elects to waive |  |  | 07/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772357 | xxxxxx | 26271081 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.12 is less than Guideline PITIA months reserves of 6.00. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-22): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-07-21): Provide a valid exception form for the lack of reserves<br>Reviewer Comment (2022-07-21): Per final CD total cash needing to be verified is $100,764.24 and $123,298.43 has been provided, leaving only $22,534.19 for reserves. |  |  | 07/22/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774147 | xxxxxx | 26286574 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on Appraisal differs from Note, missing an Appraisal transfer letter and an approval from the receiving lender. |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774147 | xxxxxx | 26286905 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The Notice of appraisal provided to the borrower was documented prior to the report date. |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774147 | xxxxxx | 26286907 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774147 | xxxxxx | 26309535 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-12): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-09): Section 26 of the xxxxxx guidelines state a gap credit report is required within 10 days of the Note date. Please provide gap report dated within 10 days of Note date.<br>Reviewer Comment (2022-08-02): Credit report provided is already in the file. please provide the Gap report |  |  | 08/12/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774147 | xxxxxx | 26309587 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Per guidelines for the CPA/P&L only program, the CPA letter is required to attest that the CPA has prepared the most recent tax returns for the borrower, and that they compiled the business financial statements and certify that the P&L represents an accurate summary of the business cash flow and applicable cash expenses, along with attesting that they are not related to the borrower or associated with the borrower's business. The CPA letter provided does not meet any of these guideline requirements. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-16): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-02): CPA does not meet guideline requirements so an exception can be granted by the investor. |  |  | 08/16/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | 26286392 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | E-Sign Consent Agreement shows that the Housing Counselors Near You was received by the Borrower but a List Date was not provided so List of Homeownership Counseling Organization is missing. Please Provide the List of Homeownership Counseling Organization provided to the Borrower with the List Date. |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | 26286610 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan Estimate dated xxxxxx was not delivered or placed in the mail within 3 Business days of the Application Date of xxxxxx . |  | Reviewer Comment (2022-08-24): SitusAMC received LE dated xxxxxx .<br>Reviewer Comment (2022-08-19): All documents including the approval, 1008, and application reflect this transaction as a primary purchase.<br>Reviewer Comment (2022-08-05): Comment: Received E- sign Doc stating Loan Estimate Received by borrower on xxxxxx however there is no Loan Estimated present in the file within that timeframe. Please provide an Initial Loan estimate which is within 3 business days of application Date xxxxxx . | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | 26286629 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The right to receive appraisal disclosure was not provided within 3 business days of application. |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | 26286630 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The Right to Receive appraisal disclosure was no provided within 3 business days of loan application. |  | Reviewer Comment (2022-08-24): SitusAMC received LE dated xxxxxx .<br>Reviewer Comment (2022-08-19): All documents including the approval, 1008, and application reflect this transaction as a primary purchase.<br>Reviewer Comment (2022-08-05): The earliest LE in the loan file is dated xxxxxx and is incomplete on page 3, which is not within 3 days of the application date of xxxxxx  | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | 26286651 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.05440% or Final Disclosure APR of 9.07600% is in excess of allowable threshold of APOR 5.31% + 1.5%, or 6.81000%. Non-Compliant Higher Priced Mortgage Loan. | The Right to Receive appraisal disclosure was no provided within 3 business days of loan application. |  | Reviewer Comment (2022-08-25): Received right to receive appraisal disclosure dated within 3 days of application date.<br>Reviewer Comment (2022-08-19): All documents including the approval, 1008, and application reflect this transaction as a primary purchase.<br>Reviewer Comment (2022-08-05): The earliest LE in the loan file is dated xxxxxx and is incomplete on page 3, which is not within 3 days of the application date of xxxxxx Notice of right to receive appraisal was not given. | 08/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | 26309517 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a copy of the VISA. Further, the EAD has expired. No evidence of ext in file. An LOE states a VISA is not required, but it is a requirement in the guidelines and no evidence of waiver was provided either. |  | Reviewer Comment (2022-08-09): Unexpired EAD was provided. | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | 26309596 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file to allow a P&L dated xxxxxx - xxxxxx while utilizing the most recent 12 month P&L instead of most recent YTD and 12 month P&L. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-19): The client elects to waive with comp factors. |  |  | 08/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | 26309616 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, a CDA or ARR is required, however there is a CU score of 1.0 in file which is allowed for securitization. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensating factors |  |  | 07/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26281131 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx xxxxxx, Address: xxxxxx, xxxxxx, Address: xxxxxx., xxxxxx, xxxxxx Statement | Missing verification of principle and interest for the mortgage on REO located on xxxxxx as reflected on the application. Missing verification of principle and interest for the mortgage on REO located on xxxxxx as reflected on the property profile report. Missing verification of principle and interest for the mortgage on REO located on xxxxxx as reflected on the property profile report. Missing verification of principle and interest for the mortgage on REO located on xxxxxx as reflected on the property profile report. Missing verification of principle and interest for the 4 mortgages on REOs located on xxxxxx as reflected on the property profile report and 2 verifications of insurance for xxxxxx and xxxxxx xxxxxx. Missing verification of insurance for REO located on xxxxxx |  | Reviewer Comment (2022-09-12): The Note from the recent transaction for the REO was provided.<br>Reviewer Comment (2022-09-12): Exception Detail Updated from: Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, Address: xxxxxx,xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx<br> Exception Explanation Updated from: Statement<br> Statement<br> Insurance Verification<br> Insurance Verification, Statement<br> Insurance Verification<br>Reviewer Comment (2022-09-07): Pending receipt of: P&I for property on xxxxxx as property profile report reflects a mtg lien.<br>Reviewer Comment (2022-08-26): Exception Detail Updated from: Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, Address: xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xx, Address: xxxxxx. xxxxxx,xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx.,xxxxxx, xxxxxx<br> Exception Explanation Updated from: Statement<br> Statement<br> Statement<br> Statement<br> Statement<br> Statement<br> Statement<br> Insurance Verification, Statement<br> Insurance Verification, Statement<br> Insurance Verification<br>Reviewer Comment (2022-08-26): Reviewed documents received. The following is still missing: HOI for xxxxxx, xxxxxx and xxxxxx; Mortgage statement for xxxxxx, xxxxxx and xxxxxx. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26281178 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $142,182.80 is less than Cash From Borrower $403,341.61. | Total verified funds equal $142,182.80. |  | Reviewer Comment (2022-09-13): Prelim and final SS provided for equity on C/O refi from REO property.<br>Reviewer Comment (2022-09-13): The Final SS provided is dated post closing and not acceptable.<br>Reviewer Comment (2022-09-12): The Settlement Statement provided is not stamped and/or signed by the Title Agent.<br>Reviewer Comment (2022-09-07): The same documents were provided that were in file at time of review for accounts xxxxxx, xxxxxx, and xxxxxx. The reserve requirement and cash to close requirement were not met. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 exchange funds listed on page 3 of the Final CD.<br>Reviewer Comment (2022-08-08): The Final Settlement Statement for the sold property was not found in the file. | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26281252 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 month Verification of Mortgage for Borrwer's primary residence. |  | Reviewer Comment (2022-09-12): Current primary free and clear per property profile report and title provided. The UCC solar lease was only listed and paid off through concurrent transaction for current primary on xxxxxx.<br>Reviewer Comment (2022-09-12): VOM for primary residence was not found in trailing docs.<br>Reviewer Comment (2022-09-07): UW LOE is not acceptable. The xxxxxx requirement for VOM waiver is under non-institutional xxxxxx /lenders only. Under institiuonal xxxxxx /lenders, the xxxxxx waiver is not indicated. Per the 1003, xxxxxx is the lien holder for the mortgage on the borrower's primary residence. Condition remains.<br>Reviewer Comment (2022-07-29): DU findings does not clear this condition. This is a manual UW not reviewed to DU but guidelines. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26281255 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing Hazard Policy for Subject Property. |  | Reviewer Comment (2022-07-22): Received | 07/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26281861 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2022-09-13): Prelim and final SS provided for equity on C/O refi from REO property.<br>Reviewer Comment (2022-09-13): The Final SS provided is dated post closing and not acceptable.<br>Reviewer Comment (2022-09-12): The Settlement Statement provided is not stamped and/or signed by the Title Agent.<br>Reviewer Comment (2022-09-07): The same documents were provided that were in file at time of review for accounts xxxxxx, xxxxxx and xxxxxx. The reserve requirement and cash to close requirement were not met. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 exchange funds listed on page 3 of the Final CD. | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26282000 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final xxxxxx) | The escrows were waived post consummation. |  | Reviewer Comment (2022-07-29): correct status<br>Reviewer Comment (2022-07-29): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2022-07-22): SitusAMC received xxxxxx Corrected CD. Missing copy of LOE to borrower which accompanies to finalize cure. | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26282001 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether property taxes are included in escrow. (Final xxxxxx) | The escrows were waived post consummation. |  | Reviewer Comment (2022-07-29): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2022-07-22): SitusAMC received xxxxxx Corrected CD. Missing copy of LOE to borrower which accompanies to finalize cure. | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26282003 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,960.48 exceeds tolerance of $3,455.48. Insufficient or no cure was provided to the borrower. (7200) | Fee was increased post consummation, which is not valid timing for a fee increase. A cure is required to Borrower for $1,505.00 along with an updated CD, a copy of the check and proof of delivery. |  | Reviewer Comment (2022-09-15): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-09-15): SitusAMC received PCCD, LOE, copy of refund check and proof of mailing however PCCD is missing 2 and 4 page of the CD only 3 pages are provided. Please provide complete PCCD with all 5 pages as there are only two days left to cure.<br>Reviewer Comment (2022-09-09): SitusAMC has received COC dated xxxxxx and that is for originator compensation. However this exception is for increase of Loan discount point on PCCD dated xxxxxx . As stated earlier too, Aa per guidelines Fees cannot increase/add on PCCD and we cannot consider COC in this case. As Loan Discount Points increased on PCCD dated xxxxxx we require cure for fees increased on PCCD along with cure documents.. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2022-08-25): SitusAMC As per guidelines Fees cannot increase/add on PCCD and we cannot consider COC in this case. As Loan Discount Points increased on PCCD dated xxxxxx we require cure for fees increased on PCCD along with cure documents.<br>Reviewer Comment (2022-07-29): SitusAMC upon further review Loan discount points increased on PCCD dated xxxxxx we cannot accept the COC for PCCD we require cure for the fees increased on PCCD. Please provide cure documents.<br>Reviewer Comment (2022-07-22): SitusAMC received COC dated xxxxxx which was provider earlier too however Loan Discount point increased post-closing on PCCD dated xxxxxx Fee cannot be rebaselined for increase of fee post-closing by a COC. Please provide cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 09/15/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26282011 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects the Lender as xxxxxx, whereas, the Note reflects the Lender as xxxxxx |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26282135 | xxxxxx | xxxxxx | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Home Warranty Fee (Optional), Natural Hazard Disclosure | Closing Disclosures reflect fees in section H that are payable to "TBD". |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | 26308359 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Number of properties financed exceeds amount allowed by guidelines. |  | Guidelines allow a maximum of 6 owned properties (financed or free and clear). Borrower owns 16 properties, which exceeds the guideline requirement. Loan file contains lender exception; however, all exception requests must come from the Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-08): The client elects to waive with comp factors.<br>Reviewer Comment (2022-07-22): Received same exception request as in original file. All exception requests must come from the investor. |  |  | 08/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | 26284909 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.50555% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.50555%). |  |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | 26308886 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 53.54456% exceeds Guideline total debt ratio of 50.00000%. | Per 1008, Lender failed to include additional REO on xxxxxx in borrower's debt ratio. DTI exceeds guideline maximum of 50%. |  | Reviewer Comment (2022-08-09): Cleared | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | 26308896 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-08-09): Cleared | 08/09/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | 26308897 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-08-09): Cleared | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | 26308898 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.54456% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per 1008, Lender failed to include additional REO on xxxxxx in borrower's debt ratio. DTI exceeds guideline maximum of 50%. |  | Reviewer Comment (2022-08-09): Cleared | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | 26308899 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,953.96 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | 26308908 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx Insurance Verification | Missing HOI verification for REO on xxxxxx and proof of property taxes for additional REO on xxxxxx. |  | Reviewer Comment (2022-08-11): Provided<br>Reviewer Comment (2022-08-10): The HOI premium amount for the property on xxxxxx is the only remaining requirement.<br>Reviewer Comment (2022-08-09): Dec page does not include premium<br>Reviewer Comment (2022-08-08): HOI policy provided does not list a premium amount and missing the tax amount evidence for the property on xxxxxx. | 08/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26480131 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Guidelines for the 1099 program require 1 or 2 years' 1099s. Per documentation in the loan file, borrower became a 1099 employee xxxxxx , which is 2 months prior to loan closing and does not meet the guidelines for being a 1099 employee. Loan file contains a lender exception request; however, all exception requests must come from the Investor. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-02): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-08-19): All exception requests must come from the Investor. |  |  | 09/02/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26491123 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2022-08-12): Sufficient Cure Provided At Closing |  | 08/12/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26491767 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM |  | Reviewer Comment (2022-09-01): Lender exception provided.<br>Reviewer Comment (2022-09-01): Appraisal delivery does not clear this condition. This is related to the ATR condition for the missing audited YTD P&L statement. | 09/01/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26491770 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. xxxxxx Company/Schedule C) | Provided Most recent Audited YTD P&L. |  | Reviewer Comment (2022-09-01): Missing 1099, Lender Exception with Compensating Factors: FICO, reserves, residual income.<br>Reviewer Comment (2022-08-23): Bank statements cannot be used to clear this condition. Due to borrower recently becoming a self-employed/1099 employee, an audited YTD P&L will be required to clear the condition. |  |  | 09/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26492268 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26492269 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.03410% or Final Disclosure APR of 7.07500% is in excess of allowable threshold of APOR 4.79% + 1.5%, or 6.29000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-01): Received appraisal delivery notice | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26492270 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26492271 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-01): Received appraisal delivery notice | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26492273 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26492274 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 595.87 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26539164 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage provided is short by $44,734.00. Please provide increased coverage or RCE. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-01): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-08-23): Please see seller comments below asking for an exception.<br>Reviewer Comment (2022-08-19): Condition remains. Per the guidelines provided for review, insurance coverage is required to reflect one of the following:100% of the insurable value of the improvements, as established by the property insurer<br> Provide explicit evidence of guaranteed replacement cost coverage, or<br> Provide a replacement cost estimator to evidence adequate dwelling coverage<br> the unpaid principal balance of the mortgage, if it's at least 80% of the insurable value of the improvements on a replacement cost basis.<br>Loan does not meet either of these requirements. |  |  | 09/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26539468 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26539577 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | 26550188 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of $2,450.10 is less than xxxxxx required disposable income of $2,500.00. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-01): Waived with compensating factors per investor request. |  |  | 09/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771338 | xxxxxx | 26285141 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An Acknowledgement of receipt of Appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-07-19): client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 771338 | xxxxxx | 26285189 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on Appraisal differs from Note, Missing an appraisal transfer letter and an approval from the receiving lender. |  | Reviewer Comment (2022-07-19): client elects to waive |  |  | 07/19/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 771338 | xxxxxx | 26304665 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-22): Updated fraud report provided showing red flags have been addressed. | 07/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773424 | xxxxxx | 26285184 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Properties listed for sale in the past six (6) months, measured from application date are not eligible for C/O. |  | Reviewer Comment (2022-08-12): Documentation provided for delayed financing. Meets requirements.<br>Reviewer Comment (2022-08-06): The statement does not clear this condition. The purchase occurred xxxxxx which does not meet the guideline requirements. Not delayed financing as a mortgage lien was taken out on the property at time of purchase. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 773424 | xxxxxx | 26285221 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | DSCR < 1.00, max for C/O is 70%. 1008 states STR rents utilized, however, the 12 month lookback was not provided. |  | Reviewer Comment (2022-08-24): STR document provided<br>Reviewer Comment (2022-08-12): See comments from xxxxxx This condition does not pertain to delayed financing. This has to do with the DSCR. The 12 month lookback was not provided.<br>Reviewer Comment (2022-08-06): This condition does not pertain to delayed financing. This has to do with the DSCR. The 12 month lookback was not provided. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 773424 | xxxxxx | 26312118 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Per the appraisal, property was purchased xxxxxx . Properties purchased < 6 months are not eligible for C/O transactions, unless they are delayed financing or inherited properties, which this is not. There is an LOE in file that states the property was acquired on xxxxxx , however no evidence of this was provided on the file. |  | Reviewer Comment (2022-08-22): An updated 1008 using the original purchase price for LTV was provided.<br>Reviewer Comment (2022-08-12): Condition remains. Per the delayed financing guidelines, delayed financing is limited to the purchase price + documented improvements or current appraised value, whichever is lower. The borrower purchased the property for xxxxxx per the Final SS and there is no evidence of documented improvements. The lender utilized the appraised value to qualify.<br>Reviewer Comment (2022-08-06): The statement does not clear this condition. The purchase occurred xxxxxx which does not meet the guideline requirements. Not delayed financing at a mortgage lien was taken out on the property at time of purchase. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 773424 | xxxxxx | 26312166 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is a second lien on title not paid through closing or addressed. (xxxxxx for $7,192.68) |  | Reviewer Comment (2022-08-19): The final signed settlement statement reflecting the payoff of the 2nd lien was provided.<br>Reviewer Comment (2022-08-12): This is on the current title policy for this transaction. If this lien belonged to the seller, we still need to see a clear title policy or supplement from the title company reflecting paid in full. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 774132 | xxxxxx | 26288588 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Loan estimate issued on xxxxxx ; however, borrower did not consent to e-sign documents until xxxxxx . |  | Reviewer Comment (2022-08-19): SitusAMC received LOE and xxxxxx system Package status Certificate which suffices Initial LE Timing.<br>Reviewer Comment (2022-08-12): SitusAMC :The consumer went through the E-Consent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided E-Consent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Please provide proof of delivery if the LE was sent via another means within 3 days of Loan Application. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774132 | xxxxxx | 26288607 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Closing Disclosure issued on xxxxxx was not signed and dated by borrower. |  | Reviewer Comment (2022-08-23): SitusAMC received initial CD dated xxxxxx along with borrower signature.<br>Reviewer Comment (2022-08-19): SitusAMC upon further review received xxxxxx; however, it does not contain any evidence that the borrower received the Initial CD dated xxxxxx . Please provide evidence that the borrower received the Initial CD dated xxxxxx 3 days prior to closing.<br>Reviewer Comment (2022-08-12): SitusAMC Received PCCD and 7 days rule does not apply on PCCD. Earliest CD in file is dated xxxxxx and file does not contains any evidence that borrower received the Initial CD dated xxxxxx 3 days prior to Closing date xxxxxx . Provide evidence that shows borrower received the Initial CD dated xxxxxx 3 days prior to Closing. | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774132 | xxxxxx | 26288750 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.33314% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.33314%). |  |  | Reviewer Comment (2022-07-20): Client elects to waive |  |  | 07/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774132 | xxxxxx | 26314209 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing evidence of the xxxxxx payment on the HELOC. |  | Reviewer Comment (2022-08-12): Payment history was provided | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772291 | xxxxxx | 26288747 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-09-14): CDA received with no variance in appraisal value. Exception Cleared.<br>Reviewer Comment (2022-08-25): Secondary valuation is missing. Provide CDA or AVM , Exception Remains | 09/14/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772291 | xxxxxx | 26289212 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan Estimate dated xxxxxx and signed and dated by the Borrower xxxxxx was not delivered or placed in the mail to the Borrower within 3 Business Days from the Application date of xxxxxx . |  | Reviewer Comment (2022-08-23): SitusAMC received denial Letter for loan application Id xxxxxx hence no further action required.<br>Reviewer Comment (2022-08-15): SitusAMC received lender rebuttal, which indicates "The original loan application #xxxxxxwas withdrawn due to incorrect channel". Further review , there is no Withdrawn /Denial letter in the file to verify. Also, there is no acknowledgement of receipt from the borrower in the images. Hence, we also required withdrawn/Denial letter or some type of borrower confirmation acknowledging receipt or an email from borrower confirming the loan application was withdrawn to accept the Letter of explanation.<br>Reviewer Comment (2022-08-10): Per conversation with Investor, Seller states loan application dated xxxxxx was withdrawn. Please provide attestation that xxxxxx loan application was withdrawn so that it may be sent to compliance for review. | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772291 | xxxxxx | 26313938 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-04): Cleared | 08/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772291 | xxxxxx | 26313975 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-07-20): Client elects to waive |  |  | 07/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774252 | xxxxxx | 26296238 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per final 1003, borrowers have rented for 3 years, 9 months with a payment of $1,900 per month; however, loan file does not contain a VOR. |  | Reviewer Comment (2022-08-17): The lease agreement was provided and the rental payment was verified by the 12 months of bank statements.<br>Reviewer Comment (2022-08-12): Rental history payment and/or VOR were not found in the trailing docs.<br>Reviewer Comment (2022-08-04): Missing the VOR | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774252 | xxxxxx | 26296496 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | Missing Fraud Report in the loan file. |  | Reviewer Comment (2022-08-04): cleared | 08/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774252 | xxxxxx | 26296568 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage amount is insufficient. Policy provided appears to be a xxxxxx unit owners policy. If there is a blanket project policy, please provide. |  | Reviewer Comment (2022-08-04): Cleared<br>Reviewer Comment (2022-08-03): Master policy not found. | 08/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774252 | xxxxxx | 26296650 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.00033% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.00033%). |  |  | Reviewer Comment (2022-07-21): Client elects to waive |  |  | 07/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774252 | xxxxxx | 26296651 | xxxxxx | xxxxxx | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxxxx County Threshold Loan (Points and Fees) | xxxxxx County Predatory Lending Ordinance: Points and Fees on subject loan of 5.08672% is in excess of the allowable maximum of 5.00000% of the County Total Loan Amount. Points and Fees total xxxxxx on a County Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .08672%). Compliant High Cost Loan. |  |  | Reviewer Comment (2022-07-21): Client elects to waive |  |  | 07/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771949 | xxxxxx | 26297380 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The List of Homeownership Counseling Organizations provided to the Borrower does not have a List Date on it. |  | Reviewer Comment (2022-07-21): Client elects to waive |  |  | 07/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771949 | xxxxxx | 26297396 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,100.00 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The Closing Disclosure has the Non-Escrowed Property Costs over Year 1 as $1,100.00 and the HOA document has the Annual Fee of $90.00. |  | Reviewer Comment (2022-07-21): Client elects to waive |  |  | 07/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771949 | xxxxxx | 26319972 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per appraisal, property is zoned rural which is not permitted per guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-04): Comp factors used to waive exception<br>Reviewer Comment (2022-08-01): Provide the updated report. Max is 85% LTV for program and borrower is at 80%. LTV is not 10% more above the program requirements. |  |  | 08/04/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771949 | xxxxxx | 26320022 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per final 1003, borrowers have rented current residence for 1 year, 10 months with a payment of $8,100 per month; however, VOR not provided. If private individual, 12 months canceled checks will also be required, as borrowers are FTHB. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771949 | xxxxxx | 26320026 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-07-25): Received | 07/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771949 | xxxxxx | 26320064 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $17,280.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73109) | Zero percent fee tolerance exceeded. The Change of Circumstance form provided does not indicate why the fee was added. |  | Reviewer Comment (2022-08-08): received<br>Reviewer Comment (2022-08-05): SitusAMC upon further review in order for a credit to be considered a cure, it must be identified on lender credit line in section J with language indicating the amount is a credit for increase in Closing Costs above legal limit. Corrected CD reflecting cure in section J and LOE required to clear. Please provide the same.<br>Reviewer Comment (2022-07-25): SitusAMC upon further review the fee was changed from lender paid to broker paid on CD dated xxxxxx the COC provided does not have proper reason for change. Kindly provide reason or additional information that can validate the change or else, cure documents will be required. | 08/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773988 | xxxxxx | 26298353 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The tax transcripts for 2021 reflects the borrower's tax liability was xxxxxx. The bank statement printout for the checking account shows an IRS tax payment of xxxxxx on xxxxxx . The file does not contain evidence that the tax liability was paid in full or what the tax payment of xxxxxx is for. If the borrower is in a IRS tax payment plan, documentation for the monthly plan payment is required and the payment is required to be included in the DTI. |  | Reviewer Comment (2022-09-26): IRS payment plan provided. Added to DTI | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773988 | xxxxxx | 26298434 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the List of Homeownership Counseling Organizations. |  | Reviewer Comment (2022-07-22): Client elects to waive |  |  | 07/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773988 | xxxxxx | 26298456 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Hazard Insurance Policy reflects the coverage amount as $858,000; however, the Appraisal Report reflects the Estimated Cost New as $902,110; therefore, there is a coverage shortfall of $44,110. |  | Reviewer Comment (2022-08-12): An RCE was provided. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773988 | xxxxxx | 26298462 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 4506-C (2021) | The file contains a 4506-C; however, the year or period requested is blank. |  | Reviewer Comment (2022-08-12): A signed updated 4506 was provided. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773988 | xxxxxx | 26320865 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A private VOR and copies of rent checks were provided; however, the checks for xxxxxx, xxxxxx and xxxxxx are not canceled checks. Further, the xxxxxx payment was not provided. |  | Reviewer Comment (2022-08-12): Rental payment history has been provided. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773006 | xxxxxx | 26303664 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete |  | Loan file contains two fully executed Notes. One is dated xxxxxx and one is dated xxxxxx . Will need Note that is the final for this transaction to reflect "Corrected", along with LOE and proof of delivery to borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-08-16): Comp factors used to waive exception |  |  | 08/16/2022 | 2 D B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773006 | xxxxxx | 26305751 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.48923% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.48923%). |  |  | Reviewer Comment (2022-07-22): Client elects to waive |  |  | 07/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773006 | xxxxxx | 26305756 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $175.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2022-07-19): Sufficient Cure Provided At Closing |  | 07/19/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773006 | xxxxxx | 26305784 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The Initial Escrow Account Disclosure statement reflects a starting balance of $416.82, whereas, the Final CD reflects a starting balance of xxxxxx in section G. |  | Reviewer Comment (2022-07-22): Client elects to waive |  |  | 07/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773006 | xxxxxx | 26326642 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 11.67 is less than Guideline PITIA months reserves of 12.00. | 12 months reserves are required for an LTV of 90%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-08-08): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-04): Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments on the Final CD page 3 + any gift/1031 exchange funds. Borrower does not have sufficient reserves after total funds to close.<br>Reviewer Comment (2022-07-29): There were no large deposits excluded in the borrower's assets provided. The checking balance on xxxxxx (4 days prior to closing) of $24,788.84 was used, along with 2 EMD deposits, one in the amount of $3,000 and another EMD of $43,050.24 made on xxxxxx . The EMD deposits cannot be used towards reserves, so that leaves $24,788.84 to be utilized toward the 12-month requirement. |  |  | 08/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773927 | xxxxxx | 26304051 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The file contains documentation that the borrower received the appraisal report on xxxxxx ; however, the appraisal report in the file is dated xxxxxx . There is not evidence in the file that the borrower received a copy of the final appraisal report. |  | Reviewer Comment (2022-07-23): Client elects to waive |  |  | 07/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26310550 | xxxxxx | xxxxxx | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # Months of Bank Statements required. | Borrower: xxxxxx xxxxxx mployment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx | Loan was approved as a 12 month bank statement loan; however, only the most recent 11 months were provided. Please provide either the xxxxxx or xxxxxx statement to complete the 12 month requirement. |  | Reviewer Comment (2022-08-02): Cleared | 08/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26310682 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26310683 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.71970% or Final Disclosure APR of 8.76400% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-08-15): SitusAMC received proof of receipt for initial LE<br>Reviewer Comment (2022-08-15): Condition will be reviewed once TRID conditions are reviewed for Appraisal Disclosure.<br>Reviewer Comment (2022-08-03): once the Appraisal disclosure condition has been addressed, this one will be as well.<br>Reviewer Comment (2022-07-29): Appraisal delivery does not clear this condition. The additional condition regarding the Right to Receive Appraisal Disclosure will need to be addressed. | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26310684 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-07-29): Received appraisal delivery notice. | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26330315 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per guidelines, rural property types are not allowed. Appraisal indicates subject is in a rural location. |  | Reviewer Comment (2022-08-08): A corrected appraisal was provided. | 08/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26330765 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-05): Evidence the red flags have been addressed was provided. | 08/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26330786 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Per initial 1003, application date was xxxxxx . Disclosure not provided within 3 days of application date. |  | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26330787 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Per initial 1003, application date was xxxxxx . Disclosure not provided within 3 days of application date. |  | Reviewer Comment (2022-08-15): SitusAMC received proof of receipt for initial LE<br>Reviewer Comment (2022-08-03): SitusAMC received additional 1003 application dated xxxxxx. However, loan file reflects an earlier 1003 application with originator dated xxxxxx which is for same property and has matching loan ID. This application cannot be ignored and is the earliest dated application with all 6 pieces of information by the broker originator Answer xxxxxx The timing for the LE under § 1026.19(e)(1)(iii) is three business days from application. In the event a mortgage broker receives the six pieces of information that constitute an application, the timing will start from the time the broker receives the application under § 1026.19(e)(1)(ii). As a result, the timing for the initial LE on wholesale loans is the earlier of the creditor or broker application date. On this loan, the LE should have been issued within 3 business days of the broker application date of xxxxxx. Refer to SFA TRID Compliance Review Scope - TRID Grid 3.0 Line 3 which confirms "broker" or "creditor" to provide initial LE if broker receives an application. | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26330788 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Per initial 1003, application date was xxxxxx . Disclosure not provided within 3 days of application date. |  | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26330789 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Per initial 1003, application date was xxxxxx . Loan Estimate not provided within 3 days of application date. |  | Reviewer Comment (2022-08-15): SitusAMC received proof of receipt for initial LE<br>Reviewer Comment (2022-08-03): SitusAMC received 1003 dated xxxxxx However as per 1003 in file application is dated xxxxxx Application date starts when the broker/lender receives the 6 pieces of information that constitutes an application under TILA. Receiving additional application dates does not change the original application date, unless they can prove that application was cancelled by borrower If the borrower was rejected on the xxxxxx application then an Adverse Action letter would be needed to prove the initial application was rejected and thus the 2nd application date could then be utilized. If the 6 pieces of information were provided by the borrower and the loan originator accepted the application the timing begins on the date the originator or borrower signed the application (whichever is earlier). Also, the Loan Estimate dated xxxxxx is prior to provided Initial 1003 dated xxxxxx , Please provide valid documents to re-evaluate the Exception. | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26507460 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | Fee was added to the xxxxxx LE without VCC. Cure is required. |  | Reviewer Comment (2022-08-30): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2022-08-26): SitusAMC Received PCCD, LOE, Refund Check and proof of mailing; however, we require evidence that borrower received the check. Provide evidence that borrower received the copy of check. |  | 08/30/2022 |  | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | 26666632 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | SitusAMC received xxxxxx Corrected CD, LOE to borrower, copy of cure for $120 and copy of stamped envelope. TOP disclosed on the final CD is inaccurate based on fees disclosed on the PCCD dated xxxxxx resulting from $102 increase in borrower paid loan costs reflected in Section D (Section C Title fees increased). These fees were outside of the 0% tolerance cure for the Appraisal Desk Review and that cure cannot be used to offset this separate violation. SitusAMC's testing approach as a TPR assumes that fee changes reflected on a PCCD are corrections, rather than updates of fees that would result from changes that occurred after closing. That is, a lender incorrectly disclosed fees they were aware of (or should have been aware of) on the final CD and therefore issued a PCCD reflecting the actual fees that should have been disclosed on the final CD. Accordingly, SitusAMC will calculate the TOP based on corrected fees on the PCCD and cite exceptions if the TOP disclosed on the final CD (provided at or before consummation) is inaccurate based on the updated fees shown on PCCD. The reason for testing in this manner is that (1) 1026.17(b) (and related commentary) provides that disclosures must be made before consummation; (2) 1026.19(f)(1)(ii) and (f)(2)(ii) require the CD to be provided 3 business days before consummation; and (3) 1026.19(f)(2) and (ii) provide that the CD must be provided before or at consummation. One exception to this would be if the PCCD was issued only due to a change in interim interest (based on a change in disbursement date), such changes would not result in any exception for the PCCD. The cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for full under-disclosed amount, Proof of Delivery, and Corrected CD. Tolerance was exceeded. |  | Reviewer Comment (2022-09-13): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-09-07): SitusAMC received rebuttal that initial LE reflected different fees on Notary & title policy. However, the Final CD underdisclosed the TOP calculated costs over tolerance. TOP is a material disclosure violation which is separate from tolerance violations. Final CD section D total fees were $13,223.68 which was underdisclosed per the PCCD issued xxxxxx of $13,325.68 and was $102.00 underdisclosed and over tolerance. A corrected CD, LOE to borrower, copy of cure refund for full underdisclosure of $102 and proof of mailing is required to cure. |  | 09/13/2022 |  | 2 B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771416 | xxxxxx | 26309883 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-08-02): Cleared<br>Reviewer Comment (2022-07-28): The Escrow Instruction does not satisfy this exception. Please provide the final title policy or title supplement with the correct policy amount. | 08/02/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771416 | xxxxxx | 26311717 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-02): Cleared | 08/02/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771416 | xxxxxx | 26312190 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $3,151.04 does not match Calculated P&I of $3,613.11 | The payment reflected on the Note is a 10 year xxxxxx however the Note does not reflect any I/O terms. |  | Reviewer Comment (2022-08-05): A signed Note with the correct terms was provided. | 08/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771416 | xxxxxx | 26337012 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR/payment history for the borrower's primary residence. |  | Reviewer Comment (2022-07-28): LOE was provided. | 07/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771416 | xxxxxx | 26337235 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The updated appraisal with a completion date of xxxxxx has pages at the bottom cut off. Provide a clear copy. |  | Reviewer Comment (2022-08-02): Cleared | 08/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771416 | xxxxxx | 26337425 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI mailing address for the borrower is the same as the subject property. |  | Reviewer Comment (2022-08-02): updated HOI provided | 08/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771416 | xxxxxx | 26337456 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Investor exception in file for C/O on a first time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-07-25): Client elects to waive with verified compensation factors |  |  | 07/25/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773959 | xxxxxx | 26312068 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 49.87325% exceeds Guideline total debt ratio of 45.00000%. | Borrower's DTI exceeded FTHB Guidelines of 45% at origination, however, there is an Investor Exception Granted in the loan file that states the DTI exception will be granted as long as it does not exceed 49.5%. Audit DTI exceeds 49.5%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773959 | xxxxxx | 26312333 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.34344% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.34344%). |  |  | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773959 | xxxxxx | 26312334 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding 45% for a FTHB. |  | Reviewer Comment (2022-08-01): Client elects to waive with verified compensation factors. Condition no longer applies. | 08/01/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773959 | xxxxxx | 26312335 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower's DTI exceeded FTHB Guidelines of 45% at origination, however, there is an Investor Exception Granted in the loan file that states the DTI exception will be granted as long as it does not exceed 49.5%. Audit DTI exceeds 49.5%. |  | Reviewer Comment (2022-08-01): Client elects to waive with verified compensation factors. Condition no longer applies. | 08/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773959 | xxxxxx | 26312336 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.87325% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower's DTI exceeded FTHB Guidelines of 45% at origination, however, there is an Investor Exception Granted in the loan file that states the DTI exception will be granted as long as it does not exceed 49.5%. Audit DTI exceeds 49.5%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773959 | xxxxxx | 26312338 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | The Seller CD is missing from the loan file. |  | Reviewer Comment (2022-08-05): SitusAMC received Seller CD | 08/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773959 | xxxxxx | 26335375 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771875 | xxxxxx | 26312843 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx,xxxxxx, xxxxxx insurance Verification |  |  | Reviewer Comment (2022-07-27): Sufficient documentation to verify PITIA provided | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 771875 | xxxxxx | 26339231 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Per statements provided, there were 8 NSFs in the prior 12 months, which exceeds guideline maximum of 3. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-25): Waived with compensating factors per investor exception request in file. |  |  | 07/25/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 771875 | xxxxxx | 26339249 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772241 | xxxxxx | 26317562 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-01): Cleared<br>Reviewer Comment (2022-07-28): Provide updated supplement or direct verification for the month of June 2022. | 08/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772241 | xxxxxx | 26341250 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-07-26): Client elects to waive |  |  | 07/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772241 | xxxxxx | 26341251 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.79000% or Final Disclosure APR of 7.84000% is in excess of allowable threshold of APOR 5.31% + 1.5%, or 6.81000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-07-28): Appraisal receipt provided, loan is no Compliant HPML | 07/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772241 | xxxxxx | 26341252 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-07-28): Appraisal receipt provided, loan is no Compliant HPML | 07/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772241 | xxxxxx | 26341253 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 7.79000% or Final Disclosure APR of 7.84000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.23000 + 1.75%, or 6.98000%. Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-07-26): Client elects to waive |  |  | 07/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773790 | xxxxxx | 26315691 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-19): No additional assets were found in the trailing docs.<br>Reviewer Comment (2022-08-02): Cleared | 08/02/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773790 | xxxxxx | 26341751 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence for xxxxxx is free and clear/ no ownership in property or provide the VOM. |  | Reviewer Comment (2022-09-23): Received VOR for borrower "xxxxxx" along with recent 6 months of payment receipts. Documents attached. Exception cleared.<br>Reviewer Comment (2022-08-25): Updated 1003 provided. Pending receipt of cancelled checks for private party/individual VOM. VOM shows an individual xxxxxx and property profile report reflects owned by a trust. Both are private xxxxxx s/non-institutional xxxxxx s.<br>Reviewer Comment (2022-08-12): VOR provided is from a private xxxxxx. Cancelled checks are required. Further, provide the updated 1003 to reflect borrower as renting primary residence. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773790 | xxxxxx | 26341861 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Guarantor Agreements were executed after closing. Per guidelines, should be executed at closing. Disbursement date has no bearing on this. | Borrower's Experience/Track Record<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-28): Client elects to waive with verified compensation factors |  |  | 09/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773790 | xxxxxx | 26341904 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-08-02): Cleared | 08/02/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773790 | xxxxxx | 26341935 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $205,600.77 is less than Cash From Borrower $208,742.04. | The file contains post close assets which cannot be utilized. Date up to closing utilized. Disbursement date has no bearing on this. |  | Reviewer Comment (2022-09-19): Additional deposits for EMD that match the final settlement statement and source bank statement provided<br>Reviewer Comment (2022-09-19): The same documents were provided that were previously rejected. The Final SS was provided, however does not clear the condition. The total cash to close equals $208,742.04 and the borrower has verified funds of $205,600.77.<br>Reviewer Comment (2022-09-13): The Final SS was provided, however does not clear the condition. The total cash to close equals $208,742.04 and the borrower has verified funds of $205,600.77.<br>Reviewer Comment (2022-09-08): A PC-CD is a lender generated document and cannot be utilized to trump a final closing statement.<br>Reviewer Comment (2022-09-06): Per closing statement provided dated xxxxxx , total deposits from borrower were $209,000 ($5,000 + $68,000 + $68,000 + $68,000). The bank statements provided to verify funds are all dated post-consummation date, which cannot be used to clear this condition. Funds must have been available to borrower prior to consummation. Total assets verified at consummation of subject loan were $205,600.77.<br>Reviewer Comment (2022-08-23): The Settlement Statement provided does not satisfy this exception. The document provided reflects a total closing cost of $208,042.04 which is more than the verified assets of $205,600.77.<br>Reviewer Comment (2022-08-19): No additional assets were found.<br>Reviewer Comment (2022-08-17): Cannot use a PCCD to update assets - Please provide a certified/stamped final HUD1 from the settlement agent. | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773790 | xxxxxx | 26341944 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | The file contains post close assets which cannot be utilized. Date up to closing utilized. Disbursement date has no bearing on this. | Borrower's Experience/Track Record | Reviewer Comment (2022-09-26): Additional deposits for EMD that match the final settlement statement and source bank statement provided<br>Reviewer Comment (2022-08-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-03): Referring to buyer for waiver. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 771335 | xxxxxx | 26315067 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-07-29): Received | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771335 | xxxxxx | 26315187 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.54551% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .54551%). |  |  | Reviewer Comment (2022-07-26): Client elects to waive |  |  | 07/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771335 | xxxxxx | 26344059 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, all appraisal reports must be in color. The appraisal provided is in black and white. Please provide in color appraisal report. |  | Reviewer Comment (2022-07-29): Received | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771335 | xxxxxx | 26344350 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Loan file contains mortgage statements to document the required mortgage history; however, the following months are required and missing: xxxxxx, xxxxxx and xxxxxx. |  | Reviewer Comment (2022-08-03): Payment history for the most recent year was provided.<br>Reviewer Comment (2022-07-29): VOR not received. Please try resending. | 08/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771335 | xxxxxx | 26344646 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , III |  |  | Reviewer Comment (2022-08-02): Cleared | 08/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26316020 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-07-29): Received | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318053 | xxxxxx | xxxxxx | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  | Reviewer Comment (2022-08-12): Cure documentation received.<br>Reviewer Comment (2022-08-04): The document provided does not reflect the lock date which is needed to determine the APOR. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318054 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.96171% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .96171%). Non-Compliant High Cost Loan. |  |  | Reviewer Comment (2022-08-12): Cure documentation received.<br>Reviewer Comment (2022-08-08): The discount points are not eligible for exclusion given the undiscounted interest rate of 7.29% exceeds the APOR of 5.171% by more than 2%. |  | 08/12/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318055 | xxxxxx | xxxxxx | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  | Reviewer Comment (2022-08-12): Cure documentation received. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318056 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 5.96171% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 2.96171%). |  |  | Reviewer Comment (2022-07-26): Client elects to waive |  |  | 07/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318057 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-07-26): Client elects to waive |  |  | 07/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318058 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Aggregate Payment Disclosure Not Provided) | New York High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. |  |  | Reviewer Comment (2022-08-12): Cure documentation received. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318059 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | New York High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. |  |  | Reviewer Comment (2022-08-12): Cure documentation received. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318061 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Counseling Disclosure Not Provided) | New York High-Cost Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2022-08-12): Cure documentation received. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318062 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (High Cost Legend Not on Mortgage) | New York High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. |  |  | Reviewer Comment (2022-08-12): Cure documentation received. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Narrow Defense - CHD Approval Required) Within 60 days of discovery, and prior to lender receiving any notice from borrower of the compliance failure, provide: (1) Lender Attestation to AMC confirming (a) no action or receipt of written notice of failure has been received; and (b) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made (specific explanation about high-cost loan was made despite controls is required); (2) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (3) Assuming option 2(a) is selected, a copy of refund check and proof of mailing; (3) Assuming option 2(b) is selected, proof of cure for each of the prohibited practice violations noted. B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318063 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Shop Around Notice Not on Loan Application) | New York High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. |  |  | Reviewer Comment (2022-08-12): Cure documentation received.<br>Reviewer Comment (2022-08-04): The rate sheet does not cure this. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318064 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New York High-Cost Loan (Points and Fees) | New York Anti-Predatory Lending Statute: Points and Fees on subject loan of 6.05080% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 1.05080%). Non-Compliant High Cost Loan. |  |  | Reviewer Comment (2022-08-12): Cure documentation received.<br>Reviewer Comment (2022-08-08): The discount points are not eligible for exclusion given the undiscounted interest rate of 7.29% exceeds the APOR of 5.171% by more than 2%. |  | 08/12/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318065 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2022-07-26): Client elects to waive |  |  | 07/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318066 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  | Reviewer Comment (2022-07-26): Client elects to waive |  |  | 07/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318067 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.23280% or Final Disclosure APR of 7.29000% is in excess of allowable threshold of Prime Mortgage Market Rate 4.42000 + 1.75%, or 6.17000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-07-26): Client elects to waive |  |  | 07/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318095 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final xxxxxx) | Partial Payment section on Page 4 of the CD was not completed. |  | Reviewer Comment (2022-08-12): SitusAMC received Letter of Explanation & Corrected Closing Disclosure<br>Reviewer Comment (2022-08-08): Please provide PCCD with page 4 completed to cure. |  | 08/12/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318096 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Loan file only contains final CD. |  | Reviewer Comment (2022-07-29): SitusAMC Received signed copy of Initial CD dated xxxxxx . | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318097 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | SSPL not in file |  | Reviewer Comment (2022-08-15): SitusAMC received SSPL. | 08/15/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26318098 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $27,008.80 exceeds tolerance of $26,488.80. Insufficient or no cure was provided to the borrower. (7200) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-08-12): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2022-08-08): SitusAMC - No new documents received. COC dated xxxxxx shows rate lock extended on 7/8 & 7/11, however, the change was not disclosed within 3 business days as the closest CD available showing discount points as $27008.80 is dated xxxxxx Also, provided rate lock documents does not reflect dates when the rate was extended. Please provide any missing xxxxxx disclosed within 3 business days from rate extended date of 7/8 & from COC dated xxxxxx or cure documents. Exception remains.<br>Reviewer Comment (2022-08-04): SitusAMC has received the rate lock document. As already stated the lock extension document does not provide information on when the lock was extended. In addition on COC dated xxxxxx it is stated on xxxxxx Lock has been extended with cost 0.025 further lock extended on xxxxxx with cost 0.075. However there is no CD provided which was disclosed within 3 business days from COC dated xxxxxx and CD dated xxxxxx is more than 3 business days from COC dated xxxxxx hence the fee could not be rebaselined. Please provide if any missing CD's which was disclosed within the time frame from COC's or valid COC's within time frame or cure is due to borrower. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2022-08-04): SitusAMC received rate lock form however there is no date mentioned on the provided document to confirm when pricing has been changed. Please provide valid COC or supporting document which can explain why Loan Discount Points increased on CD dated xxxxxx or Provide cure along with cure documents.<br>Reviewer Comment (2022-08-02): Received duplicate COC dated xxxxxx , xxxxxx , xxxxxx and xxxxxx however there is no LE or CD re-disclosed after COC dated xxxxxx and xxxxxx . Also CD following this COC dated xxxxxx was issued on xxxxxx which is not within 3 days. Please provide missing revised CD, if any, or provide a valid COC which is within 3 days prior to CD dated xxxxxx Or provide Cure documents<br>Reviewer Comment (2022-07-29): Exception Detail Updated from: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $27,008.80 exceeds tolerance of $10,400.00. Insufficient or no cure was provided to the borrower. (7200)<br>Reviewer Comment (2022-07-29): SitusAMC Received COC dated xxxxxx with CD dated xxxxxx and COC dated xxxxxx , however the CD following this COC dated xxxxxx was issued on xxxxxx which is not within 3 days. Please provide missing revised CD, if any, or provide a valid COC which is within 3 days prior to CD dated xxxxxx Or provide Cure documents<br>Reviewer Comment (2022-07-28): SitusAMC no COC or any documents attached, kindly provide the documents. Exception remains. |  | 08/12/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26335141 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - xxxxxx County Tax Map. Fee Amount of $710.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-08-15): SitusAMC received SSPL and therefore the borrower did not shop from SSPL therefore it falls under unlimited tolerance.<br>Reviewer Comment (2022-08-08): SitusAMC has still not received 'xxxxxx List' which is necessary to determine tolerance category for 'Title - xxxxxx County Tax Map' fee that was added in section C on CD dated xxxxxx for $710. Also, there is no valid COC document either for that particular fee. Please provide SSPL for further review. Exception remains.<br>Reviewer Comment (2022-08-04): SitusAMC has not received any document for this exception. The file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services. | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26345105 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-07-29): received | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | 26345131 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Guidelines require 0x30x12 housing history. Also, if VOR is from private party, canceled checks are provided. Proof of rental payments on a private VOR were provided; however, the following months are missing and required: xxxxxx , xxxxxx and xxxxxx. |  | Reviewer Comment (2022-07-29): Received | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773863 | xxxxxx | 26346855 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-29): received | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | 26316244 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification | The file is missing insurance verification for all four of the borrower's investment properties. |  | Reviewer Comment (2022-08-09): The REOs are self-insured by the Borrower. | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | 26316615 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-08-22): Client elects to waive |  |  | 08/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | 26316616 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.95260% or Final Disclosure APR of 6.94900% is in excess of allowable threshold of APOR 5.31% + 1.5%, or 6.81000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-09-14): Received appraisal delivery notice<br>Reviewer Comment (2022-09-14): Reopen per client<br>Reviewer Comment (2022-09-08): Client elects to waive; SOL 1 year expires xxxxxx .<br>Reviewer Comment (2022-09-02): The appraisal report in the file is dated xxxxxx . Please provide evidence the xxxxxx appraisal was delivered to the borrower.<br>Reviewer Comment (2022-08-22): Document received indicates the preliminary appraisal was sent to borrower on xxxxxx . The appraisal report in the file is dated xxxxxx . Please provide evidence the xxxxxx appraisal was delivered to borrower. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | 26316617 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-09-14): Received appraisal delivery notice<br>Reviewer Comment (2022-09-14): Reopen per client<br>Reviewer Comment (2022-09-08): Client elects to waive; SOL 1 year expires xxxxxx .<br>Reviewer Comment (2022-09-02): The appraisal report in the file is dated xxxxxx . Please provide evidence the xxxxxx appraisal was delivered to the borrower.<br>Reviewer Comment (2022-08-22): Document received indicates the preliminary appraisal was sent to borrower on xxxxxx . The appraisal report in the file is dated xxxxxx . Please provide evidence the xxxxxx appraisal was delivered to borrower. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | 26316618 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.23605% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .23605%). |  |  | Reviewer Comment (2022-07-27): Client elects to waive |  |  | 07/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | 26316619 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The Final Closing Disclosure reflects the Finance Charge as $1,289,915.02; however, the calculated Finance Charge is $1,290,215.02. The difference of $300 exceeds the allowable tolerance of $35. |  | Reviewer Comment (2022-08-22): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-08-09): SitusAMC received PCCD and LOE. Please provide copy of refund check ($300 not $200)and proof of delivery to complete cure testing. |  | 08/22/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | 26316620 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | The file is missing evidence of when the Closing Disclosure dated xxxxxx was received by the borrower. The Estimated delivery date is xxxxxx which is not at least 3 days prior to closing. |  | Reviewer Comment (2022-08-23): SitusAMC received initial CD dated xxxxxx .<br>Reviewer Comment (2022-08-22): SitusAMC received evidence that the initial CD was received by the borrower on xxxxxx ; however, the Initial CD xxxxxx is missing. Please provide copy of Initial CD to clear the exception. | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | 26827544 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-14): Client elects to waive |  |  | 09/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773515 | xxxxxx | 26321467 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx Address: 1 xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx Insurance Verification, Statement<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> HOA Verification | The following REO documents are required and missing: HOA verification for REO on xxxxxx; HOI verification for REOs on xxxxxx, xxxxxx, xxxxxx, and xxxxxx; and mortgage statement for REO on xxxxxx t. |  | Reviewer Comment (2022-08-12): All REO docs have been provided.<br>Reviewer Comment (2022-08-11): Missing the insurance verification<br>Reviewer Comment (2022-08-09): These last two docs still missing, Insurance verification for xxxxxx and a mortgage statement for xxxxxx.<br>Reviewer Comment (2022-08-05): These last two docs still missing, Insurance verification for xxxxxx and a mortgage statement for xxxxxx.<br>Reviewer Comment (2022-08-03): HOI provided for xxxxxx. Still missing the other REO docs.<br>Reviewer Comment (2022-08-02): Nothing provided to address this exception | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773515 | xxxxxx | 26321664 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 6.75333% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 1.75333%). |  |  | Reviewer Comment (2022-07-27): Client elects to waive |  |  | 07/27/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 773515 | xxxxxx | 26321669 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-04): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-02): The scored report provided is post close and not acceptable.<br>Reviewer Comment (2022-08-01): Credit refresh does not clear this condition. A new scored report is required dated prior to closing. |  |  | 08/04/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773515 | xxxxxx | 26353249 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Per the CPA letter provided, borrower can utilize up to $262,500 in business funds for the subject transaction. Utilizing this amount, the calculated reserves are less than the required 6 months. |  | Reviewer Comment (2022-08-03): Cleared<br>Reviewer Comment (2022-08-02): provided docs do not address the Limit in the CPA letter. | 08/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773515 | xxxxxx | 26353252 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $294,500.00 is less than Cash From Borrower $295,052.82. | Per the CPA letter provided, borrower can utilize up to $262,500 in business funds for the subject transaction. Utilizing this amount, the borrower is short the required cash to close for the subject transaction. |  | Reviewer Comment (2022-08-03): Cleared<br>Reviewer Comment (2022-08-02): provided docs do not address the Limit in the CPA letter. | 08/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773432 | xxxxxx | 26329297 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Lender exception in file for LTV using STR income. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-09): The client elects to waive with comp factors. |  |  | 08/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773432 | xxxxxx | 26357464 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for max exposure to lender for # of properties owned. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-09): The client elects to waive with comp factors. |  |  | 08/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 774165 | xxxxxx | 26328685 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is missing in the provided Title Preliminary report |  | Reviewer Comment (2022-08-16): The final title policy was provided. | 08/16/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774165 | xxxxxx | 26329319 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $300.00 exceeds tolerance of $168.00 plus 10% or $184.80. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-08-11): SitusAMC Received True and certified copy of final settlement statement which shows the recording fee that matches the PCCD. Exception cleared.<br>Reviewer Comment (2022-08-09): SitusAMC received PCCD and LOE however we still require true and certified copy of final settlement statement to verify the fees charged at closing. | 08/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774165 | xxxxxx | 26329349 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-16): The final title policy was provided. | 08/16/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774165 | xxxxxx | 26329417 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-07-28): Client elects to waive |  |  | 07/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773852 | xxxxxx | 26339456 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is missing on the provided Title Preliminary report |  | Reviewer Comment (2022-08-03): Supplement provided. | 08/03/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773852 | xxxxxx | 26340087 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or undisclosed debt monitoring report is required no more than 10 days prior to loan closing or anytime after closing. |  | Reviewer Comment (2022-08-03): xxxxxx Undisclosed debt monitoring report provided. | 08/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773852 | xxxxxx | 26340393 | xxxxxx | xxxxxx | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Home Warranty Fee (Optional), Septic Inspection Fee | The Final Closing Disclosure reflects to fees paid to "TBD" in section H. |  | Reviewer Comment (2022-08-01): Client elects to waive |  |  | 08/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773852 | xxxxxx | 26340499 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Septic Inspection Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (81732) | No Change of Circumstance found in the loan file reflecting a valid reason or reasons for the fee increase. |  | Reviewer Comment (2022-08-08): SitusAMC Received clarification that the Septic inspection fee is the same fee that was updated as Home inspection fee on Initial LE. No cure is required. | 08/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773852 | xxxxxx | 26340506 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | Final CD does not reflect any Seller paid fees. |  | Reviewer Comment (2022-08-03): Seller CD provided. | 08/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773519 | xxxxxx | 26349658 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx,xxxxxx, xxxxxx, Address: xxxxxx xxxxxx, Address:xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx Tax Verification<br> Insurance Verification, Tax Verification | Missing Principle & Interest, Tax and Insurance verification for REO located on xxxxxx, xxxxxx and xxxxxx. Missing Tax and Insurance verification for REO located on xxxxxx. |  | Reviewer Comment (2022-08-16): Cleared<br>Reviewer Comment (2022-08-15): Received tax cert for xxxxxx. However, there was a tax cert uploaded for xxxxxx, however there is no address listed nor anything tying it to the property.<br>Reviewer Comment (2022-08-12): Still need tax verification for xxxxxx and xxxxxx<br>Reviewer Comment (2022-08-12): Exception Explanation Updated from: Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Tax Verification<br> Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Tax Verification<br>Reviewer Comment (2022-08-12): The insurance verification for xxxxxx and tax verifications for both xxxxxx and xxxxxx were not found in trailings.<br>Reviewer Comment (2022-08-10): Still missing insurance verification for xxxxxx, and tax verifications for both xxxxxx and xxxxxx.<br>Reviewer Comment (2022-08-05): nothing provided for this exception | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773519 | xxxxxx | 26350262 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing mortgage payment history for the REO located on xxxxxx. |  | Reviewer Comment (2022-08-16): pay history provided<br>Reviewer Comment (2022-08-15): Condition is requesting the mortgage payment history vs tax cert. The Deed was provided for the xxxxxx loan which shows monthly payments being made. Need a 12 month history.<br>Reviewer Comment (2022-08-12): Payment history was not found in trailing docs for this property.<br>Reviewer Comment (2022-08-10): There is nothing tying the xxxxxx loan to the property on xxxxxx and the loan is in the borrower's name so payment history would be required.<br>Reviewer Comment (2022-08-05): Nothing provided for this exception | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773519 | xxxxxx | 26350826 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 7.25333% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 2.25333%). |  |  | Reviewer Comment (2022-07-29): Client elects to waive |  |  | 07/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 772970 | xxxxxx | 26354546 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-08-02): Client elects to waive |  |  | 08/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772970 | xxxxxx | 26354547 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.96464% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .96464%). |  |  | Reviewer Comment (2022-08-02): Client elects to waive |  |  | 08/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772970 | xxxxxx | 26354548 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  | Reviewer Comment (2022-08-02): Client elects to waive |  |  | 08/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender attestation indicating that (1) the borrower did not qualify for any non-higher-priced loans or (2) the lender does not offer non-higher-priced loans. C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772970 | xxxxxx | 26354549 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 7.81950% or Final Disclosure APR of 7.86900% is in excess of allowable threshold of APOR 5.31% + 1.5%, or 6.81000%. Non-Compliant Higher Priced Loan. |  |  | Reviewer Comment (2022-08-02): Client elects to waive |  |  | 08/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772970 | xxxxxx | 26354579 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines require a letter of explanation for all inquiries within the prior 90 days of the credit report. The credit report reflects 3 inquiries within 90 days of the credit report date; however, the file does not contain the required letter of explanation. |  | Reviewer Comment (2022-08-17): A Consumer Explanation Letter was provided. | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772970 | xxxxxx | 26354654 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx YTD Earnings | The guidelines requires the YTD earnings to be documented to support the ongoing receipt of income showing on the 1099s by checks or a single check stub with YTD totals or bank statements (YTD) when using the IRS Form 1099 to qualify the loan. The YTD totals must supports the qualifying income within 10%. The file only contains one month bank statement which does not support the monthly income once the non-qualifying deposits are backed out. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-22): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-12): Comments were provided by SitusAMC on 8/9 and xxxxxx The seller did not provide any new documents in trailing documents today. The bank statement in file only covers 1 month and the deposits for income are not within 10% of the qualifying income once the non-qualifying deposits are backed out.<br>Reviewer Comment (2022-08-12): The guidelines require YTD earnings to be documented to support the ongoing receipt of income showing on the 1099s by checks or a single check stub with YTD totals or bank statements<br>Reviewer Comment (2022-08-09): Documentation provided is already in file. Please provide something with a YTD income that supports the borrowers qualifying income amount. |  |  | 08/22/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26355552 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file only contains the premium notice. |  | Reviewer Comment (2022-08-10): Complete HOI Policy provided.<br>Reviewer Comment (2022-08-09): Document came over blank, investor can consider emailing to DD firm. | 08/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26355768 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | The guidelines require a gap credit report no more than 10 days prior to the loan closing. The credit report in the file is dates xxxxxx which is 11 days prior to the loan closing and the file does not contain the required gap report. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-10): Client elects to waive with Compensating Factors. |  |  | 08/10/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26356066 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.18215% exceeds Guideline total debt ratio of 43.00000%. | The borrower lives rent free for the prior 2 years. The guidelines allow a maximum DTI of 43% for individuals who have been living rent free. The loan closed with a DTI of 43.18%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-10): Client elects to waive with Compensating Factors. |  |  | 08/10/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26356111 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The file contains documentation that the borrower received the appraisal report on xxxxxx ; however, the appraisal report in the file is dated xxxxxx . There is not evidence in the file that the borrower received a copy of the final appraisal report. |  | Reviewer Comment (2022-08-02): Client elects to waive |  |  | 08/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26356113 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.44845% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .44845%). |  |  | Reviewer Comment (2022-08-02): Client elects to waive |  |  | 08/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26356114 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan does not meet the Loan Designation of Non QM due to the DTI of 43.18% exceeds the guideline maximum of 43%. The borrower lives rent free for the prior 2 years. The guidelines allow a maximum DTI of 43% for individuals who have been living rent free. |  | Reviewer Comment (2022-08-10): Loan Designation is now Non-QM. | 08/10/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26356115 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan does not meet the ATR requirements due to the DTI of 43.18% exceeds the guideline maximum of 43%. The borrower lives rent free for the prior 2 years. The guidelines allow a maximum DTI of 43% for individuals who have been living rent free. |  | Reviewer Comment (2022-08-10): Client elected to waive with Compensating Factors. | 08/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26356116 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.18215% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The borrower lives rent free for the prior 2 years. The guidelines allow a maximum DTI of 43% for individuals who have been living rent free. The loan closed with a DTI of 43.18%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-10): Client elects to waive with Compensating Factors. |  |  | 08/10/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26356142 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | The file is missing a copy of the full hazard insurance policy. |  | Reviewer Comment (2022-08-10): Complete HOI Policy provided.<br>Reviewer Comment (2022-08-09): Document came over blank, investor can consider emailing to DD firm. | 08/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | 26356596 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | The appraisal report reflects the subject transaction is a non-arm's length transaction. The contract is a xxxxxx contract, which is not allowed on non-arm's length transactions. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-10): Client elects to waive with Compensating Factors. |  |  | 08/10/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773896 | xxxxxx | 26364730 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing the Hazard Insurance Policy for the Subject Property. |  | Reviewer Comment (2022-08-09): Cleared<br>Reviewer Comment (2022-08-08): Please provide the final settlement statement signed and/or stamped by the title agent for evidence of the disbursement date.<br>Reviewer Comment (2022-08-05): Provided dec page has an effective date after the loan was disbursed. please provide an updated dec page evidencing coverage from the day of disbursement. | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773896 | xxxxxx | 26364825 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | All Red Flags on the Fraud Report have not been addressed. |  | Reviewer Comment (2022-08-09): Cleared | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773896 | xxxxxx | 26364988 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: 707.00 | Per Lender Guidelines, Collection Account with documented disputes are excluded. Missing the documented dispute for the Collection Account. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-03): Client elects to waive |  |  | 08/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773896 | xxxxxx | 26365065 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | Missing the Hazard Insurance Policy. |  | Reviewer Comment (2022-08-05): Cleared | 08/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773896 | xxxxxx | 26365634 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | The FACTA Disclosure was not provided to the Borrower within a reasonable time after using the Credit Score. |  | Reviewer Comment (2022-08-03): Client elects to waive |  |  | 08/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | 26365125 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Loan is to be securitized however a secondary valuation is not provided in the loan file. |  | Reviewer Comment (2022-08-09): AN SSR with an acceptable CU score was provided. | 08/09/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | 26365576 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | Appraisal was provided to the borrower prior to completion date. |  | Reviewer Comment (2022-08-03): Client elects to waive |  |  | 08/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | 26365577 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.98320% or Final Disclosure APR of 7.06600% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. | Appraisal was provided to the borrower prior to completion date. |  | Reviewer Comment (2022-08-11): Evidence the appraisal was delivered at least 3 days prior to close.<br>Reviewer Comment (2022-08-09): According to the document provided the borrower was provided an appraisal on xxxxxx . Please provide the appraisal that was sent to the borrower as the one currently in the file is dated post-close. | 08/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | 26365578 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal was provided to the borrower prior to completion date. |  | Reviewer Comment (2022-08-03): Client elects to waive |  |  | 08/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | 26365579 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Appraisal not provided prior to consummation. |  | Reviewer Comment (2022-08-11): Evidence the appraisal was delivered at least 3 days prior to close.<br>Reviewer Comment (2022-08-09): According to the document provided the borrower was provided an appraisal on xxxxxx . Please provide the appraisal that was sent to the borrower as the one currently in the file is dated post-close. | 08/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | 26365580 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.24090% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .24090%). |  |  | Reviewer Comment (2022-08-03): Client elects to waive |  |  | 08/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | 26365584 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,383.72 exceeds tolerance of $1,161.97. Insufficient or no cure was provided to the borrower. (7200) | Insufficient cure provided on final CD |  | Reviewer Comment (2022-08-09): SitusAMC Upon further review, sufficient cure was provided at closing. | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | 26399241 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Insufficient cure provided on final CD |  | Reviewer Comment (2022-08-09): SitusAMC Received COC dated xxxxxx shows a valid reason for change along with the documentation that the Appraisal was transfered.<br>Reviewer Comment (2022-08-08): SitusAMC - Appraisal is dated xxxxxx that shows property was 'subject to completion', however, appraisal re-inspection fee was not added until xxxxxx COC dated xxxxxx shows 're-disclosure for 1004D as required by underwriting, total $175'. Please provide additional information why the fee was not disclosed on initial LE dated xxxxxx & when the lender/underwriter became aware of the change. Exception remains. | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | 26455343 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,383.72 exceeds tolerance of $1,161.97. Sufficient or excess cure was provided to the borrower. (7200) | SitusAMC Upon further review, sufficient cure was provided at closing. |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided within 60 Days of Closing |  | 08/09/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773101 | xxxxxx | 26373918 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-08-04): Client elects to waive |  |  | 08/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773101 | xxxxxx | 26374358 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 14,504.40 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-08-04): Client elects to waive |  |  | 08/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774120 | xxxxxx | 26366920 | xxxxxx | xxxxxx | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Subject is refinance and the occupancy status reflect subject is vacant and not owner occupied. The borrower provided a letter of explanation stating where he resides/lease with his family. |  | Reviewer Comment (2022-08-18): Recently purchased by borrower xxxxxx 1004D shows pics of occupancy, LOE from borrower in file, along with lease and cancellation and evidence of termination fee paid.<br>Reviewer Comment (2022-08-10): xxxxxx Findings do not apply. | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774120 | xxxxxx | 26367190 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing Verification of rent/ mortgage. |  | Reviewer Comment (2022-08-23): Per guidelines, history can be waived with an xxxxxx that does not require it from non-institiuonal xxxxxx s. Property profile report reflects property owned by a private individual managed by a management company. xxxxxx provided not requiring history.<br>Reviewer Comment (2022-08-18): Per the guidelines, verifying housing payments can be eliminated if the following is present: File receives an xxxxxx approve, however this is only under non-institutional lender/xxxxxx. This is not a allowed under institiuonal lender/xxxxxx.<br>Reviewer Comment (2022-08-10): xxxxxx Findings do not apply. | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774120 | xxxxxx | 26367237 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | Appraisal was provided to the borrower prior to completion. |  | Reviewer Comment (2022-08-23): Appraisal delivery provided<br>Reviewer Comment (2022-08-16): please provide the original appraisal dated prior to delivery to clear this condition. | 08/23/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774120 | xxxxxx | 26404623 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file: NSF's of 7 exceed number allowed in last 12 months. Lender exception request in file; however, all exception requests must come from Investor | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-08): All exception requests must come from the Investor. |  |  | 08/23/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773621 | xxxxxx | 26366700 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The loan does not meet the Loan Designation of Non QM due to the assets needed for closing, proceeds from the departing residence, is dated xxxxxx which is after consummation date. |  | Reviewer Comment (2022-08-17): Estimated HUD-1 received for sale of former primary.<br>Reviewer Comment (2022-08-08): Please provide the preliminary HUD or sales contract dated prior to the subject consummation date for the sale of the property. | 08/17/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773621 | xxxxxx | 26366701 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Net Proceeds from Sale of Real Estate/Equity On Sold Property) | The assets needed for closing, proceeds from the departing residence, is dated xxxxxx which is after consummation date. |  | Reviewer Comment (2022-08-17): Estimated HUD-1 received for sale of former primary.<br>Reviewer Comment (2022-08-15): the same statement has been provided and is dated after the loan closed.<br>Reviewer Comment (2022-08-08): Please provide the preliminary HUD or sales contract dated prior to the subject consummation date for the sale of the property. | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773621 | xxxxxx | 26366702 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The loan does not meet the ATR Requirements due to the assets needed for closing, proceeds from the departing residence, is dated xxxxxx which is after consummation date. |  | Reviewer Comment (2022-08-17): Estimated HUD-1 received for sale of former primary. | 08/17/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773621 | xxxxxx | 26366703 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-08-03): Client elects to waive |  |  | 08/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | 26383109 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Records in file not signed. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-09): The client elects to waive with Compensating Factors. |  |  | 08/09/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | 26384150 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx Statement |  |  | Reviewer Comment (2022-08-09): Mortgage statement confirming escrows included provided. Cleared. | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | 26384173 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.38 is less than Guideline PITIA months reserves of 6.00. | Loan Amount > $1MM Require 6 Months Reserves | Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-09): Client elects to waive with Compensating Factors. |  |  | 08/09/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | 26384258 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-08-04): Client elects to waive |  |  | 08/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | 26384261 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-27,090.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-30,100.00. (9300) | Zero Percent Tolerance exceeded for Lender Credits with CoC in file |  | Reviewer Comment (2022-08-09): SitusAMC received 7-22-22 valid changed circumstance. | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | 26384403 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. |  | Missing Asset document to verified the amount escrow of xxxxxx of xxxxxx. However Gift fund of $247,924.02 was included on asset screen. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-12): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-09): all exceptions must come from the investor |  |  | 08/12/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | 26407187 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104) | No cure provided on final CD |  | Reviewer Comment (2022-08-24): SitusAMC received PCCD, LOE, Proof of delivery & refund check.<br>Reviewer Comment (2022-08-09): SitusAMC We cannot consider comment and available COC dated xxxxxx stating "Needed comparable rent schedule" valid . Please Provide additional information on why this rental schedule was unknown at time of initial LE and when/why lender became aware of the additional rental schedule needed or provide cure along with cure documents. |  | 08/24/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26401655 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx,xxxxxx Statement | Missing Principle & Interest for REO located on xxxxxx |  | Reviewer Comment (2022-08-16): A mortgage statement for the primary residence was provided. | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26401973 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing Deed for subject transaction. |  | Reviewer Comment (2022-08-09): Received | 08/09/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Second Home | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26402114 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or undisclosed debt monitoring report is required no more than 10 days prior to loan closing or anytime after closing. |  | Reviewer Comment (2022-08-16): A soft pull was provided. | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26402851 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-11): A cleared fraud report was provided. | 08/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26405946 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Unable to determine when the Lender provided the Appraisal to the Borrowers. |  | Reviewer Comment (2022-08-05): Client elects to waive |  |  | 08/05/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | D B A C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26405947 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a xxxxxx zone. | Missing the Notice of Special Flood Hazard Disclosure. |  | Reviewer Comment (2022-08-05): Client elects to waive |  |  | 08/05/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26405951 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Missing the List of Homeownership Counseling Organizations. |  | Reviewer Comment (2022-08-05): Client elects to waive |  |  | 08/05/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26405952 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Initial Application reflects an application date of xxxxxx . Initial LE is dated xxxxxx . |  | Reviewer Comment (2022-08-16): SitusAMC received LE dated xxxxxx and e-consent dated xxxxxx no further action required. | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26511196 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $1,295.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) | SitusAMC require valid COC or cure documents as fee was not disclosed on initial LE dated xxxxxx and added on LE dated xxxxxx . |  | Reviewer Comment (2022-09-09): SitusAMC received Post CD,LOX, Copy of refund check and Proof of mailing.<br>Reviewer Comment (2022-08-25): SitusAMC - No new documents received. Provided documentation is not an acceptable form of mailing proof since we are unable to determine if borrower received the check or not. A documentary evidence is required that shows check was shipped/delivered xxxxxx ceived by borrower. An email acknowledgement from borrower would be acceptable. Exception remains.<br>Reviewer Comment (2022-08-23): SitusAMC received corrected PCCD, LOE and copy of refund check. Please provide proof of mailing to cure the exception. |  | 09/09/2022 |  | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | 26511197 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | SitusAMC require valid COC or cure documents as fee was not disclosed on initial LE dated xxxxxx and added on LE dated xxxxxx . |  | Reviewer Comment (2022-09-09): SitusAMC received Post CD,LOX, Copy of refund check and Proof of mailing.<br>Reviewer Comment (2022-08-25): SitusAMC - No new documents received. Provided documentation is not an acceptable form of mailing proof since we are unable to determine if borrower received the check or not. A documentary evidence is required that shows check was shipped/delivered xxxxxx ceived by borrower. An email acknowledgement from borrower would be acceptable. Exception remains.<br>Reviewer Comment (2022-08-23): SitusAMC received corrected PCCD, LOE and copy of refund check. Please provide proof of mailing to cure the exception. |  | 09/09/2022 |  | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773225 | xxxxxx | 26395415 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance coverage amount is insufficient. |  | Reviewer Comment (2022-09-01): Received<br>Reviewer Comment (2022-08-26): Document received in rebuttal comment is not in loan file and says it contains an "approximate" amount of extended coverage. This is not sufficient to prove extended coverage. Please provide full HOI policy showing exact amount of extended coverage provided.<br>Reviewer Comment (2022-08-23): Policy received is same HOI policy as in original loan file. HOI coverage is short $48,000. Increased coverage or RCE required. | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773225 | xxxxxx | 26395808 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit Report Gap. |  | Reviewer Comment (2022-08-25): Received<br>Reviewer Comment (2022-08-09): Document not received. Please try resending. | 08/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773225 | xxxxxx | 26395832 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.95434% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.95434%). |  |  | Reviewer Comment (2022-08-05): Client elects to waive |  |  | 08/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773225 | xxxxxx | 26395834 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Document not provided in the loan file. |  | Reviewer Comment (2022-08-05): Client elects to waive |  |  | 08/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773225 | xxxxxx | 26395835 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $51.70 exceeds tolerance of $41.00. Sufficient or excess cure was provided to the borrower at Closing. (7571) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-08-03): Sufficient Cure Provided At Closing |  | 08/03/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773906 | xxxxxx | 26388155 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 47,690.04 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-08-04): Client elects to waive |  |  | 08/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773906 | xxxxxx | 26388789 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-08-22): Client elects to waive with verified compensation factors |  |  | 08/22/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773906 | xxxxxx | 26431398 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Request to waive impounds - borrower does not meet FICO requirement of 720. Lender exception request in file; however, all exception requests must come from Investor. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-08-04): Lender exception request in file; however, all exception requests must come from Investor |  |  | 08/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | 26394039 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. |  | Reviewer Comment (2022-08-16): Cleared | 08/16/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | 26402002 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx xxxxxx, xxxxxx Insurance Verification |  |  | Reviewer Comment (2022-08-19): Evidence the property is owned free and clear was provided. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | 26402026 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.52911% exceeds Guideline loan to value percentage of 75.00000%. | Per 1008, Loan was approved at 75.52911% LTV, which exceeds guideline maximum of 75%. |  | Reviewer Comment (2022-08-16): Cleared | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | 26402120 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 5.36703% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or .36703%). |  |  | Reviewer Comment (2022-08-08): Client elects to waive |  |  | 08/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | 26448366 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing complete 12 month housing history for primary residence and subject property. Primary residence is reporting for 8 months on credit supplement and there was no history provided for the subject property. |  | Reviewer Comment (2022-08-19): Evidence the primary was owned free and clear was provided.<br>Reviewer Comment (2022-08-16): Only 8 months on the credit report and the closed mortgage do not appear to tie out to the open mortgage on the report. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | 26448502 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2022-08-19): An updated HOI policy was provided. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | 26448530 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-08): Client elects to waive |  |  | 08/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773099 | xxxxxx | 26405795 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-11): A gap report was provided. | 08/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773099 | xxxxxx | 26406218 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.99853% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.99853%). |  |  | Reviewer Comment (2022-08-08): Client elects to waive |  |  | 08/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773099 | xxxxxx | 26406219 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,190.00 exceeds tolerance of $1,029.00 plus 10% or $1,131.90. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Ten Percent Tolerance exceeded. |  | Reviewer Comment (2022-08-04): Sufficient Cure Provided At Closing |  | 08/04/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773099 | xxxxxx | 26551353 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Loan file contains the 2021 1120S for the business income used to qualify under the bank statement program, which reflects a negative income of $88,394 annually. Per guidelines, if tax returns are provided, loan is ineligible for the bank statement program. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-20): Client elects to waive |  |  | 08/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | 26407283 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Ownership percentage | Borrower's percentage of ownership is missing. The xxxxxx Business directory mentions another Member of the Business and the LLC Filing dated xxxxxx mentions an additional person. Proof of the Borrower's percentage of ownership is required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-01): The CPA letter has only the ownership percentage of xxxxxx, while the ownership % of the borrower "xxxxxx" and other member xxxxxx are not mentioned in the letter. Kindly provide the borrower ownership percentage. |  |  | 09/07/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | 26407304 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-10): Cleared | 08/10/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | 26411218 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-08-10): Cleared | 08/10/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | 26421462 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Appraisal reflects the Lender as xxxxxx, whereas, the Note reflects the Lender as xxxxxx. |  | Reviewer Comment (2022-08-08): client elects to waive |  |  | 08/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | 26423730 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Th e xxxxxx directory mentions another Member of the Business and the LLC Filing dated xxxxxx mentions an additional person. Proof of access to use the funds from the Business Account is required from all owners of the business. |  | Reviewer Comment (2022-09-01): Received Evidence of Access to Funds for business xxxxxx. Hence exception cleared. | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | 26426588 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing the List of Homeownership Counseling Organizations. |  | Reviewer Comment (2022-08-08): client elects to waive |  |  | 08/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | 26426590 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,700.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2022-08-04): Sufficient Cure Provided At Closing |  | 08/04/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | 26426955 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | No seller paid fees disclosed on consumer's final CD. |  | Reviewer Comment (2022-09-08): SitusAMC received Seller CD with seller paid costs | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773989 | xxxxxx | 26400620 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report was not provided. Clearance report only in file. |  | Reviewer Comment (2022-08-10): Fraud report provided. Cleared. | 08/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 773989 | xxxxxx | 26400652 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 2.00. | No asset documentation was provided in the file. |  | Reviewer Comment (2022-08-12): Net proceeds were calculated in the reserves.<br>Reviewer Comment (2022-08-10): Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 2.00. Bank statements for Asset verification not provided. Exception remains. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 773989 | xxxxxx | 26440967 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are two PPP addendum/riders to the Note executed by the borrower that reflect different terms. Provide the corrected and executed PPP to the Note, LOE to borrower, and evidence of delivery to the borrower. |  | Reviewer Comment (2022-08-10): Addendum provided with LOE and evidence of delivery to borrower. | 08/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 773989 | xxxxxx | 26441066 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2022-08-15): Cleared | 08/15/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 774184 | xxxxxx | 26426662 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | Large deposit of $114,965 wired into #xxxxxx on xxxxxx was not documented. These funds are needed for reserves; therefore, are required to be sourced. |  | Reviewer Comment (2022-09-08): Received invoice of large deposit of $114,965 | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774184 | xxxxxx | 26427009 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 8.36538% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 3.36538%). |  |  | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 774184 | xxxxxx | 26427040 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business License | The guidelines require a business license (where required) and organization documents for self-employed Foreign Nationals, which was not provided in the file. |  | Reviewer Comment (2022-08-12): CPA Letter and business search reflect the borrower is the CEO of the business. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774184 | xxxxxx | 26427071 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-12): A fraud report was provided. | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774184 | xxxxxx | 26427135 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, Insurance Verification, Tax Verification | The borrower owns their primary residence; however, the file does not contain documentation to verify the taxes and insurance for the property. |  | Reviewer Comment (2022-09-12): Evidence of PITIA provided<br>Reviewer Comment (2022-09-08): The document date provided as xxxxxx which is after the note date xxxxxx . Need for second level review. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774184 | xxxxxx | 26457858 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Guidelines require existence of the business for 2 years. Per the CPA letter provided, borrower has been in business since May of 2021, which is less than 2 years from the Note date of xxxxxx . Please provide evidence business has been in existence for two years. |  | Reviewer Comment (2022-08-12): Evidence of 2 years existence was provided | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775037 | xxxxxx | 26430042 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.93 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2022-08-19): The refund for the overage for the subject transaction was provided. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775037 | xxxxxx | 26460094 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx Account Statements | Per guidelines for full doc loans utilizing rental income, month-to-month leases require evidence of the most recent 2 months' rental payments. The REO on xxxxxx has 3 month-to-month leases; however, the most recent 2 months' rental payments were not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-26): Cash payments cannot be verified and are not acceptable. Further, the unexecuted LOE is not acceptable as well. An investor exception will be required. |  |  | 09/30/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775037 | xxxxxx | 26460650 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.49899% exceeds Guideline total debt ratio of 50.00000%. | Per final 1008, Lender failed to include the taxes and insurance for the borrower's primary residence, resulting in a DTI that exceeds the guideline maximum of 50%. |  | Reviewer Comment (2022-09-29): See revised condition<br>Reviewer Comment (2022-09-29): .<br>Reviewer Comment (2022-08-19): Car payment has less than 10 mos so it was omitted from the DTI and the DTI is now 48.58382%<br>Reviewer Comment (2022-08-15): xxxxxx collections were removed and the DTI is now 52.49899%. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775037 | xxxxxx | 26906178 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 58.26152% exceeds Guideline total debt ratio of 50.00000%. | Lease amounts provided cannot be verified with the amount listed. Client utilizing $2,350 for qualification. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26428141 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Insurance certificate address does not match the Note address. Full units of xxxxxx are missing. |  | Reviewer Comment (2022-09-02): Received Note & Flood Certificate both reflecting same address. Exception Cleared.<br>Reviewer Comment (2022-09-01): The address is still incorrect on the flood cert. Note reflects Units xxxxxx, xxxxxx, and xxxxxx.<br>Reviewer Comment (2022-08-31): Document not received. Please try resending. | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26428147 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx , Valuation Type: Appraisal / Valuation Report date: xxxxxx | Valuation addresses does not match the Note address. Full units of xxxxxx are missing. |  | Reviewer Comment (2022-10-03): Exception cleared received CDA with address exactly same as Note document<br>Reviewer Comment (2022-09-06): A corrected CDA was not found.<br>Reviewer Comment (2022-09-02): We received Appraisal 1073 with the correct address as per note, However we also Need CDA secondary valuation with the same address. Exception Remains. | 10/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26428528 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing Tax Certificate. |  | Reviewer Comment (2022-08-19): Tax Cert provided | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26428791 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26428792 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.88328% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .88328%). |  |  | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26428793 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Loan estimate not provided to the borrowers at least four business days prior to closing. |  | Reviewer Comment (2022-10-06): Client elects to waive. SOL 1 year expires xxxxxx <br>Reviewer Comment (2022-09-02): SitusAMC received a 1073 appraisal, copy of Promissory Note, Flood notice & Flood Cert. SitusAMC did not receive any rebuttal LOX or documentation to address this exception. Provide proof the Revised LE dated xxxxxx was received by borrower at least 4 business days prior to closing. |  |  | 10/06/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26463591 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx Account Statements - Business, Tax Return Extension (for Business) (2021)<br> Tax Return Extension (for Business) (2021) | Per guidelines, if the most recent tax return filing is more than 90 days prior to the Note date, 2 months of business bank statements are required. Loan file is missing the business bank statements for the borrower's Schedule C business. Further, loan file is missing the 2021 tax return extension form for the S-corp business shared by both borrowers (CPA letter indicates taxes are on extension and they were not provided). |  | Reviewer Comment (2022-10-06): Ext provided for 2021 for 1065. Bank statements not required for Schedule C. Loss income reported and passthrough for primary LLC.<br>Reviewer Comment (2022-08-19): Documents provided were already in file at time of review. Tax Ext not provided for S-Corp 2021 (xxxxxx) and business bank statements not provided for xxxxxx (Schedule C). | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26463685 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing evidence of final appraisal delivery to borrower. |  | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26463686 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.46510% or Final Disclosure APR of 8.46300% is in excess of allowable threshold of APOR 5.58% + 1.5%, or 7.08000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-14): Appraisal delivery received for origination report and updated appraisal<br>Reviewer Comment (2022-08-25): Rebuttal is not acceptable. Loan file contains 2 appraisal reports - one dated xxxxxx and one dated xxxxxx . We need evidence that the xxxxxx appraisal was delivered to the borrower. All updated on xxxxxx loans must also be delivered to the borrower per regulations. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26463687 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Missing evidence of final appraisal delivery to borrower. |  | Reviewer Comment (2022-09-14): Appraisal delivery received for origination report and updated appraisal<br>Reviewer Comment (2022-08-24): Documents received were in file at time of original review. Loan file contains 2 appraisal reports - one dated xxxxxx and one dated xxxxxx . We need evidence that the xxxxxx appraisal was delivered to the borrower. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | 26826817 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-14): Client elects to waive |  |  | 09/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26428583 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Appraisal reflects the Lender as xxxxxx, whereas, the Note reflects the Lender as xxxxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429102 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Missing Initial CD. |  | Reviewer Comment (2022-08-15): SitusAMC Received Copy of Initial CD dated xxxxxx . | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429114 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA |  | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing the List of Homeownership Counseling Organizations. |  | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429127 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.74398% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .74398%). |  |  | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429148 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Unable to determine when the Lender provided the updated Appraisal to the Borrower. |  | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429149 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.77410% or Final Disclosure APR of 7.79900% is in excess of allowable threshold of APOR 5.78% + 1.5%, or 7.28000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-02): Evidence when the borrower received the appraisal was provided. | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429150 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429151 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Unable to determine when the Lender provided the updated Appraisal to the Borrower. |  | Reviewer Comment (2022-09-02): Evidence when the borrower received the appraisal was provided.<br>Reviewer Comment (2022-08-15): No new documents were received for this condition. Only document provided was an E-Disclosure for the CD sent. Evidence needs to be provided that the appraisal was provided to the borrower within 3 business days prior to consummation. | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429242 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 45.73597% exceeds Guideline total debt ratio of 45.00000%. | Borrower's DTI exceeds max DTI of 45% for a First Time Homebuyer. Loan was approved with a 45.935% DTI and loan file contains lender exception request; however, all exception requests must come from the Investor. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-17): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-15): Lender would like to waive |  |  | 08/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429348 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower's DTI of 45.74% exceeds max DTI of 45% for a First Time Homebuyer. Loan was approved with a 45.935% DTI and loan file contains lender exception request; however, all exception requests must come from the Investor. |  | Reviewer Comment (2022-08-17): The investor granted an exception waiver. The loan designation is now Non-QM. | 08/17/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429349 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower's DTI of 45.74% exceeds max DTI of 45% for a First Time Homebuyer. Loan was approved with a 45.935% DTI and loan file contains lender exception request; however, all exception requests must come from the Investor. |  | Reviewer Comment (2022-08-17): The investor granted an exception waiver. | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26429350 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.73597% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower's DTI of 45.74% exceeds max DTI of 45% for a First Time Homebuyer. Loan was approved with a 45.935% DTI and loan file contains lender exception request; however, all exception requests must come from the Investor. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-17): The client elects to waive with comp factors. |  |  | 08/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | 26462308 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines for condominiums allow up to 60% investor concentration; however, per the HOA questionnaire provided, the total number of investment units is 65.55% of the total units. Loan file contains lender exception request; however, all exception requests must come from the Investor. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-17): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-15): Lender would like to waive |  |  | 08/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776146 | xxxxxx | 26405620 | xxxxxx | xxxxxx | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-09): Received Spousal Consent Form for both borrowers. Document attached. Exception cleared. | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776146 | xxxxxx | 26405668 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Max LTV is 65% due to FICO, cash out transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-08-10): Comp factors used to waive exception |  |  | 08/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776146 | xxxxxx | 26405669 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 643 is less than Guideline representative FICO score of 660. | 660 required for cashout. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-08-10): Comp factors used to waive exception |  |  | 08/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 774832 | xxxxxx | 26405496 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. Final TPOL is missing from loan file. |  | Reviewer Comment (2022-08-12): Received<br>Reviewer Comment (2022-08-11): No additional documents were received to clear this condition. Please try resending. | 08/12/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | D C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774832 | xxxxxx | 26429912 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-08-11): Received | 08/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774832 | xxxxxx | 26430348 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing Deed for subject transaction. |  | Reviewer Comment (2022-08-11): Received | 08/11/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774832 | xxxxxx | 26430470 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Manner of title vesting is blank. |  | Vesting not provided. The Preliminary Title does not reflect how vesting will occur and the Deed for the subject transaction is misisng. |  | Reviewer Comment (2022-08-11): Received deed signed at closing | 08/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774832 | xxxxxx | 26432812 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Closing Disclosure dated xxxxxx reflects an APR of 7.366%. Closing Disclosure dated xxxxxx reflects an APR of 7.513%. The loan closed on xxxxxx . |  | Reviewer Comment (2022-08-24): Client agrees to accept as EV3. SOL date is xxxxxx <br>Reviewer Comment (2022-08-24): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of the finance charge violation and proof of mailing. However, cannot cure a timing violation. Would need to provide proof of earlier receipt from the change in APR over .125% with borrower receiving at least 3 business days prior to closing. xxxxxx CD with the change in APR was not received 3 business days prior to closing.<br>Reviewer Comment (2022-08-22): The xxxxxx CDs were provided to the borrower and both are signed. There is no visible means to cure the exception as the borrower received both disclosures.<br>Reviewer Comment (2022-08-15): SitusAMC received additional xxxxxx CD and Corrected CD. The borrower was disclosed on 7-29 an increase in APR over .125% at 7.513% which was signed by borrower. Prior APR on 7-26 Initial CD was $7.366%. The CD and PCCD received lowered the APR back down to 7.364% and 7.358% respectively. The issue is that the borrower was disclosed a higher APR over .125% change on 7-29 and was not given an additional 3 business day waiting period. |  |  | 08/24/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774832 | xxxxxx | 26469161 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-12): Received | 08/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774832 | xxxxxx | 26469241 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx LOE multiple bank statements | Loan file contains 2 bank statements for xxxxxx 21 and 2 bank statements for xxxxxx. Please provide LOE from borrower as to why these two months, out of the 24 months provided, generated 2 separate statements. |  | Reviewer Comment (2022-08-15): LOE provided | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774832 | xxxxxx | 26499622 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | SitusAMC received an additional xxxxxx Final CD, Corrected CD, Closing statement and lender LOE. The finance charge was underdisclosed based on the new CD and the PCCD by xxxxxx and calculated finance chargte is xxxxxx. The following fees were included in the finance charge calculation: Flood Cert $13,Origination fee $32,925, Prepaid Int $10,065.33, Processing fee $695, Tax Service $95, Title-Courieer $25, Title-tie In fee $400, Title-Processing $100, Title-Recording service $11.50, Title-Settlement/Escrow $4000, Title-SubEscrow $62.50 and Underwriting fee $1295. A Corrected CD, LOE to borrower, vopy of cure to borrrower for full underdisclosure and proof of mailing are required to cure. |  | Reviewer Comment (2022-09-06): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-08-24): Exception Detail Updated from: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx <br>Reviewer Comment (2022-08-24): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. However, the xxxxxx tracking does not reflect the package has been picked up. Provide proof carrier has picked up package in order to finalize. |  | 09/06/2022 |  | 2 B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773801 | xxxxxx | 26430802 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower opened a new account that is reflected on the application; however, the file does not contain documentation to verify the balance and payment. |  | Reviewer Comment (2022-08-17): xxxxxx Credit Card statement provided. Cleared. | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773395 | xxxxxx | 26431263 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,791.60 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | Amount of Estimated Property Costs over Year 1 of 10,791.60 on Final Closing Disclosure provided on xxxxxx not accurate. |  | Reviewer Comment (2022-08-10): Client elects to waive |  |  | 08/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773395 | xxxxxx | 26474058 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Reviewer Comment (2022-08-10): Client elects to waive |  |  | 08/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773395 | xxxxxx | 26474059 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  | Reviewer Comment (2022-08-17): Texas Receipt of Copies Disclosure provided. Cleared. | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | 26436222 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-10): Client elects to waive |  |  | 08/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | 26436223 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 5.82397% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or .82397%). |  |  | Reviewer Comment (2022-08-10): Client elects to waive |  |  | 08/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | 26437924 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business, CPA Letter | Guidelines for the personal bank statement program require evidence the borrower is at least 20% owner of the business and most recent two months of business bank statements. Neither of these items were provided in the loan file. Loan file contains a lender exception request for the business bank statements; however, all exception requests must come from the Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-20): The seller provided a 2021 1099 in the file, however this does not clear the exception. An exception would still be required.<br>Reviewer Comment (2022-09-15): The 1003 does not clear this condition. The borrower utilized bank statements to qualify. Therefore, if the borrower has no ownership in the business, bank statements cannot be utilized to qualify.<br>Reviewer Comment (2022-08-23): Lender exception request in file; however, all exception requests are required to come from the Investor. |  |  | 10/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | 26438878 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: 418.96, Credit Report: Original // Public Record Type: Tax Liens / Balance: 400.01 | Provide evidence tax liens were paid at or prior to closing. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-10): Client elects to waive |  |  | 08/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | 26474183 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing complete 12 month VOM for subject property. Per the payoff provided, which is dated xxxxxx , the borrower was due for the xxxxxx payment. Further, the credit report reflects the most recent 7 months for borrower's primary residence, and a VOR was provided dated through xxxxxx ; however, need evidence of the 1/12021 through 9/2021 primary housing history. The Vice program requires a 0x30x12 housing history. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-20): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-23): Received VOM for subject property. Still need VOR/VOM for borrower's primary residence housing from 1/2021 through xxxxxx 21. VOR provided was through xxxxxx 20 and credit supplement provided states mortgage was opened xxxxxx . |  |  | 09/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | 26474266 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 85.00000% exceeds Guideline loan to value percentage of 75.00000%. | Maximum LTV on the xxxxxx program for an investment rate and term refinance with an up to $2,000,000 loan amount is 75%. Subject loan was approved at 85% LTV. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-18): Clients elects to waive with Compensating Factors. |  |  | 08/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | 26474275 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Credit report is dated more than 90 days prior to Note date. Loan file contains lender exception request; however, all exception requests must come from the Investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2022-08-18): Client elects to waive with Compensating Factors. |  |  | 08/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774740 | xxxxxx | 26436962 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The file contains documentation that the borrower received the appraisal report on xxxxxx ; however, the appraisal report in the file is dated xxxxxx . There is not evidence in the file that the borrower received a copy of the final appraisal report. |  | Reviewer Comment (2022-08-11): client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774740 | xxxxxx | 26436964 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.77913% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .77913%). |  |  | Reviewer Comment (2022-08-11): client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774740 | xxxxxx | 26436999 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 9.09 is less than Guideline PITIA months reserves of 12.00. | The file contains a lender exception; however, all exception request must come from the Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-26): Client elects to waive with verified compensation factors |  |  | 08/26/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774740 | xxxxxx | 26437190 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | The file is missing documentation to verify the property taxes and insurance. If they are escrowed, documentation must be provided to verify they are included in the payment. |  | Reviewer Comment (2022-08-26): Statement provided for REO property T&I are escrowed.<br>Reviewer Comment (2022-08-15): The tax cert and HOI policy for the subject property were provided. We need the tax cert and HOI policy for the REO property on xxxxxx. | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26435783 | xxxxxx | xxxxxx | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Comparables or Comparable adjustments are unreasonable for the value being supported | Valuation Type: Appraisal / Valuation Report date: xxxxxx | One or more comparables have high gross adjustments. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-24): The SSR in the file has a 2.1 CU Score which supports the value. |  |  | 08/24/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26438414 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-22): Proof of payoff was provided. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26438444 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing evidence of access to funds for the co-owned business funds used for reserves. |  | Reviewer Comment (2022-08-22): Access letter was provided. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26438509 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage shortfall: $84,650.00. |  | Reviewer Comment (2022-09-02): Replacement Cost Estimator received D0248, Exception Cleared | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26438557 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.07353% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.07353%). |  |  | Reviewer Comment (2022-08-11): Client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26438558 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $74.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75208) | No Change of Circumstance found in the loan file reflecting a valid reason or reasons for the fee increase. |  | Reviewer Comment (2022-09-16): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2022-09-06): SitusAMC received changed circumstance indicating verification fee was added to loan. No information on what change necessitated the addition of the fee was provided. Additional information is required to determine why the fee was added on xxxxxx instead of the start of the loan and what additional information required for which the fee was added.<br>Reviewer Comment (2022-08-23): SitusAMC received COC dated xxxxxx , it does not give sufficient information on why the Verification Fee was added 'It states Third Party Invoice'. The receipt of an invoice is not a valid changed circumstance. Also, Third Party Verification Services is dated xxxxxx , changes occurred on xxxxxx . Fee should have been added on LE xxxxxx instead of CD xxxxxx it's not with 3 business days of the fee added. In order to determine if the COC is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 09/16/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26483125 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Rural property types are not permitted per guidelines. Per appraisal, subject is rural. Investor exception request in loan file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-11): Waived with compensating factors per investor request. |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26483555 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Per bank statements provided, borrower had 7 NSFs in prior 12 months, which exceeds guideline maximum of 3. Loan file does contain an LOE from borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-22): An investor exception waiver is required. |  |  | 09/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26483780 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Loan file contains two appraisal reports, one dated xxxxxx and one dated xxxxxx . Missing evidence of the xxxxxx appraisal delivery to borrower. |  | Reviewer Comment (2022-08-11): Client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26483781 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.92170% or Final Disclosure APR of 8.93000% is in excess of allowable threshold of APOR 5.58% + 1.5%, or 7.08000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-14): Appraisal delivery received<br>Reviewer Comment (2022-09-08): Client elects to waive; SOL 1 year expires xxxxxx .<br>Reviewer Comment (2022-08-23): The rebuttal does not clear this condition. There are two reports in file with a completion date of xxxxxx and xxxxxx The delivery of xxxxxx is assumed to be for the xxxxxx appraisal. HPML requires all appraisals, including updates, to be delivered to the borrower. Evidence the xxxxxx appraisal was delivered to the borrower is required or that the delivery on xxxxxx included both appraisals. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26483782 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Loan file contains two appraisal reports, one dated xxxxxx and one dated xxxxxx . Missing evidence of the xxxxxx appraisal delivery to borrower. |  | Reviewer Comment (2022-09-14): Appraisal delivery received<br>Reviewer Comment (2022-09-08): Client elects to waive; SOL 1 year expires xxxxxx .<br>Reviewer Comment (2022-08-23): The rebuttal does not clear this condition. There are two reports in file with a completion date of xxxxxx and xxxxxx The delivery of xxxxxx is assumed to be for the xxxxxx appraisal. HPML requires all appraisals, including updates, to be delivered to the borrower. Evidence the xxxxxx appraisal was delivered to the borrower is required or that the delivery on xxxxxx included both appraisals. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | 26827663 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-14): Client elects to waive |  |  | 09/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773928 | xxxxxx | 26476448 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-15): Received | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | 26444017 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-19): Additional fraud report provided and LOE with risks addressed<br>Reviewer Comment (2022-08-18): High Risk Red flags on Fraud report not addressed. The seller provided the same Fraud report that was in file at time of review. Provide the clearance report with high risk flags cleared or documentation to clear the high risk red flags on the report. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | 26444629 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 6,895.79 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The annual amount for Hazard Insuance on the xxxxxx Closing Disclosure of $955.32 does not match the amount on the Hazard Insurance policy in the loan file of xxxxxxwhich was used for testing. |  | Reviewer Comment (2022-08-16): SitusAMC received xxxxxx Corrected CD copy dated prior to reporting | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | 26444630 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2002572) | The annual amount for Hazard Insuance on the xxxxxx Closing Disclosure of $955.32 does not match the amount on the Hazard Insurance policy in the loan file of xxxxxx which was used for testing. |  | Reviewer Comment (2022-08-16): SitusAMC received xxxxxx Corrected CD copy dated prior to reporting | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | 26444631 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2002573) | The annual amount for Hazard Insuance on the xxxxxx Closing Disclosure of $955.32 does not match the amount on the Hazard Insurance policy in the loan file of xxxxxx which was used for testing. |  | Reviewer Comment (2022-08-16): SitusAMC received xxxxxx Corrected CD copy dated prior to reporting | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | 26444632 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final xxxxxx) | The annual amount for Hazard Insuance on the xxxxxx Closing Disclosure of $955.32 does not match the amount on the Hazard Insurance policy in the loan file of xxxxxx which was used for testing. |  | Reviewer Comment (2022-08-08): Sufficient Cure Provided At Closing |  | 08/08/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | 26444712 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Missing the Rate Lock. |  | Reviewer Comment (2022-08-11): Client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | 26444713 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.04660% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .04660%). |  |  | Reviewer Comment (2022-08-11): Client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | 26444832 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing the List of Homeownership Counseling Organizations. |  | Reviewer Comment (2022-08-11): Client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | 26484274 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, a 0x30x12 housing history is required. The credit report provided only reflects 9 months of mortgage history and there are no prior mortgages reporting. Please provide the complete 12 month housing history for borrower to verify 0x30x12 housing history. |  | Reviewer Comment (2022-08-16): Cleared | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773899 | xxxxxx | 26444979 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-08-11): Client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773899 | xxxxxx | 26444980 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Guidelines for the P&L only program require that the P&L be prepared and signed by the CPA/EA. The YTD P&L provided was borrower prepared with no signature of a CPA. |  | Reviewer Comment (2022-09-07): P&L provided signed and dated by CPA<br>Reviewer Comment (2022-08-29): This is in reference to the YTD (xxxxxx through xxxxxx 22) P&L. It is not signed or dated by anyone. It is required to be signed and dated by the CPA.<br>Reviewer Comment (2022-08-23): This is not in reference to the CPA letter. The YTD P&L provided is signed by the borrower and there is no evidence it was prepared or signed by the CPA. The P&L must be prepared and signed by the CPA. | 09/07/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773899 | xxxxxx | 26444981 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (xxxxxx, Inc./S-Corp) | Guidelines for the P&L only program require that the P&L be prepared and signed by the CPA/EA. The YTD P&L provided was borrower prepared with no signature of a CPA. |  | Reviewer Comment (2022-09-07): P&L provided signed and dated by CPA<br>Reviewer Comment (2022-08-29): This is in reference to the YTD (xxxxxx through xxxxxx 22) P&L. It is not signed or dated by anyone. It is required to be signed and dated by the CPA. | 09/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773899 | xxxxxx | 26444982 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. xxxxxx,xxxxxx/S-Corp) | Guidelines for the P&L only program require that the P&L be prepared and signed by the CPA/EA. The YTD P&L provided was borrower prepared with no signature of a CPA. |  | Reviewer Comment (2022-09-07): P&L provided signed and dated by CPA | 09/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773899 | xxxxxx | 26444983 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Guidelines for the P&L only program require that the P&L be prepared and signed by the CPA/EA. The YTD P&L provided was borrower prepared with no signature of a CPA. |  | Reviewer Comment (2022-09-07): P&L provided signed and dated by CPA | 09/07/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773899 | xxxxxx | 26444984 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization was not provided to the borrowers. |  | Reviewer Comment (2022-08-11): Client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773159 | xxxxxx | 26479211 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | The gap report provided is dated xxxxxx , which is more than 10 days prior to the Note date. Please provide gap report dated no more than 10 days prior to, or any time after, the subject Note date. |  | Reviewer Comment (2022-08-17): Updated credit report provided. Cleared. | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775690 | xxxxxx | 26447026 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-08-11): Client elects to waive |  |  | 08/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775690 | xxxxxx | 26486315 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-18): LOE with clearances provided and docs in file | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774051 | xxxxxx | 26447304 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-08-12): Client elects to waive |  |  | 08/12/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774051 | xxxxxx | 26489799 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-16): A UW Cert addressing the red flags is in the file. | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774188 | xxxxxx | 26448680 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Document not provided. |  | Reviewer Comment (2022-08-12): Client elects to waive |  |  | 08/12/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774188 | xxxxxx | 26490359 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx Account Statements | Guidelines for rental income under the bank statement program require evidence of the most recent 2 months' rent payments, deposited into a separate account than that used to qualify. Please provide most recent 2 months' proof of rent on REO on xxxxxx. |  | Reviewer Comment (2022-08-16): Cleared | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774957 | xxxxxx | 26448417 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.91752% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.91752%). |  |  | Reviewer Comment (2022-08-12): Client elects to waive |  |  | 08/12/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774957 | xxxxxx | 26490976 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | Per guidelines, FTHB must have a 0x30x12 housing history. Per final 1003, borrower has been living rent free for 10 years, 6 months, which does not meet guideline requirement. Investor exception request in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-08-12): Waived with compensating factors per investor exception request in file. |  |  | 08/12/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774709 | xxxxxx | 26449108 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-12): Client elects to waive |  |  | 08/12/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774709 | xxxxxx | 26449109 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.60870% or Final Disclosure APR of 9.69500% is in excess of allowable threshold of APOR 5.37% + 2.5%, or 7.87000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-08-23): Received appraisal delivery email | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774709 | xxxxxx | 26449111 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-08-23): Received appraisal delivery email | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774709 | xxxxxx | 26449268 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-26): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-25): Credit report provided is dated xxxxxx , which is post-closing. Please provide scored report dated prior to closing. |  |  | 08/26/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774253 | xxxxxx | 26500179 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 85.00000%. | Guidelines require a 5% LTV reduction when a property is zoned rural. Per appraisal, property is rural; therefore, max LTV Is 85%. Loan was approved at 90% LTV, with a lender exception request in file; however, all exception requests must come from the Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-22): Waived with compensating factors per investor request. |  |  | 08/22/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774253 | xxxxxx | 26500202 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 500.04 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-08-15): Client elects to waive |  |  | 08/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774880 | xxxxxx | 26468046 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.48417% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.48417%). |  |  | Reviewer Comment (2022-08-15): Client elects to waive |  |  | 08/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774880 | xxxxxx | 26468049 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $136.00 exceeds tolerance of $75.00 plus 10% or $82.50. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-08-17): sufficient cure to borrower at closing. | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774880 | xxxxxx | 26498751 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,195.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-08-29): SitusAMC received valid COC and supporting documents no further action required.<br>Reviewer Comment (2022-08-24): SitusAMC Received updated COC dated xxxxxx , however the comment provided does not give valid/sufficient reason why the underwriting fee was added. Additional information on the change is required to determine if fee can be rebaselined.<br>Reviewer Comment (2022-08-17): SitusAMC received xxxxxx changed circumtance and CD. Loan locked is not a valid reason for adding an underwriting fee. Changed circumstance is missing additional information to confirm if a valid changed circumstance. Changing investors (or identifying an investor) or changing programs are not considered valid changed circumstances in and of themselves, however, a change in fees due to the selection of a new investor or program based on ineligibility for prior loan programs or terms may be valid changed circumstances. If it can be demonstrated the change in program resulted from borrower ineligibility the Underwriting Fee were now required, the COC would be valid. Provide additional information to support the program change/investor change now adds this fee due to prior program ineligibility. | 08/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774880 | xxxxxx | 26674262 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $136.00 exceeds tolerance of $75.00 plus 10% or $82.50. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | SitusAMC upon further review sufficient cure provided at closing |  | Reviewer Comment (2022-08-29): Sufficient Cure Provided At Closing |  | 08/29/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773220 | xxxxxx | 26467669 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2022-08-17): CPL provided. Cleared. | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 775165 | xxxxxx | 26464631 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is missing in the provided Title Preliminary report |  | Reviewer Comment (2022-08-19): Supplemental report provided | 08/19/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775165 | xxxxxx | 26469932 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  |  |  | Reviewer Comment (2022-08-18): Provided. Cleared. | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775165 | xxxxxx | 26470951 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-19): Gap report provided | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775165 | xxxxxx | 26472779 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-08-18): Provided. Cleared. | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775165 | xxxxxx | 26472903 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775165 | xxxxxx | 26472904 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 8.34226% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 3.34226%). |  |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 775165 | xxxxxx | 26508946 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Security Instrument reflects a prepayment rider is attached; however, prepayment rider was not provided. |  | Reviewer Comment (2022-08-18): Provided. Cleared. | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775165 | xxxxxx | 26510925 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Per guidelines for the business bank statement program, borrower must own at least 50% of the business. The CPA letter indicates there are two owners of the business used in income qualification; however, the percentage of ownership is not listed. Please provide evidence of borrower's percentage of business owned. Income and DTI subject to recalculation, | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-25): The document provided is dated post closing, provided by a different CPA that the one in the file that did not verify ownership % and CPA verification/license number was not provided/verified.<br>Reviewer Comment (2022-08-25): No additional documents received addressing this condition. Please try resending. |  |  | 08/29/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775165 | xxxxxx | 26510942 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx,xxxxxx Account Statements | Guidelines for rental income under the bank statement program require evidence of the most recent receipt of 2 month's rental income, in a separate account that that used to qualify. Please provide evidence of most recent 2 months' rent for REO on xxxxxx as rental income was used. |  | Reviewer Comment (2022-08-24): Account statement marked missing while deposit receipt was uploaded hence associated it. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26471006 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | The guidelines require color photographs to be included with the appraisal report. The appraisal report provided does not contain the required color photographs. |  | Reviewer Comment (2022-08-18): Color appraisal provided | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26471738 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-18): Gap provided | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26471764 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete |  | The guidelines require any non-institutional verification of rent to be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). The alternative supporting documentation was not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-23): Client elects to waive with verified compensation factors |  |  | 08/23/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26472070 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26472071 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.21650% or Final Disclosure APR of 7.23400% is in excess of allowable threshold of APOR 5.58% + 1.5%, or 7.08000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-08-18): Appraisal delivery provided | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26472072 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different lender than what is on the note. |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26472073 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-08-18): Appraisal delivery provided | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26472074 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26472081 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Report did not contain the Loan Policy amount. |  | Reviewer Comment (2022-08-19): FTP provided | 08/19/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26472093 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-19): FTP provided | 08/19/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26472113 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx |  |  | Reviewer Comment (2022-08-23): PC - CD and Final SS provided<br>Reviewer Comment (2022-08-18): PC-CD does not clear this condition. Please provide the Final Settlement Statement to verify disbursement date. | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | 26472148 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-18): Cleared report provided | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776135 | xxxxxx | 26476236 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.52696% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .52696%). |  |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776135 | xxxxxx | 26517690 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR provided is from a private individual, which requires canceled checks. Please provide the canceled checks for May, June and July of 2022. |  | Reviewer Comment (2022-08-31): The LOE for Cancelled checks is provided in file (xxxxxx). Also, the May and July Statements shows the Cancelled checks for $2,500 (xxxxxx) and for $6,416.61($5,000+$1,416.61)-xxxxxx). Hence, the Exception is cleared. | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776135 | xxxxxx | 26517824 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 45.46112% exceeds Guideline total debt ratio of 43.00000%. | Per final 1003, Seller used $2,550 in monthly rental income for the REO on xxxxxx. This property is a STR and the ledger provided reflected a 12 month history of $21,180 or $1,765 per month. Applying the 75% vacancy factor, DTI exceeds the maximum of 43% allowed on an asset utilization loan. |  | Reviewer Comment (2022-08-19): The rental income was recalculated using the most current 12 month history. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776135 | xxxxxx | 26517872 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding 43%. |  | Reviewer Comment (2022-08-19): The rental income was recalculated using the most current 12 month history. | 08/19/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776135 | xxxxxx | 26517873 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding 43%. |  | Reviewer Comment (2022-08-19): The rental income was recalculated using the most current 12 month history. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776135 | xxxxxx | 26517874 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 45.46112% and based on 1026.43(c)(5) of 45.46% moderately exceed the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per final 1003, Seller used $2,550 in monthly rental income for the REO on xxxxxx. This property is a STR and the ledger provided reflected a 12 month history of $21,180 or $1,765 per month. Applying the 75% vacancy factor, DTI exceeds the maximum of 43% allowed on an asset utilization loan. |  | Reviewer Comment (2022-08-19): The rental income was recalculated using the most current 12 month history. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | 26464751 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. |  | Reviewer Comment (2022-08-24): Received final title<br>Reviewer Comment (2022-08-22): Same title policy was provided. Does not reflect coverage amount. | 08/24/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | 26474263 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing title final. |  | Reviewer Comment (2022-08-24): Received final title | 08/24/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | 26474701 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.03904% exceeds Guideline total debt ratio of 45.00000%. | Per final 1008, total non-REO debts at origination were $967.88; however, Seller failed to include an open installment loan with a monthly payment of $206 per month in the total debt obligations. Including this debt, DTI exceeds guideline maximum of 45% for a FTHB. |  | Reviewer Comment (2022-08-24): Received paid in full letter dated prior to closing. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | 26474739 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower is a First time home buyer and DTI of 46.03904% exceeds guideline allowable maximum of 45%. |  | Reviewer Comment (2022-08-24): Received paid in full letter dated prior to closing. | 08/24/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | 26474740 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.03904% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per final 1008, total non-REO debts at origination were $967.88; however, Seller failed to include an open installment loan with a monthly payment of $206 per month in the total debt obligations. Including this debt, DTI exceeds guideline maximum of 45% for a FTHB. |  | Reviewer Comment (2022-08-24): Received paid in full letter dated prior to closing. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | 26474751 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower is a First time home buyer and DTI of 46.03904% exceeds guideline allowable maximum of 45%. |  | Reviewer Comment (2022-08-24): Received paid in full letter dated prior to closing. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | 26518140 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-24): Received Lender certificate. The file has xxxxxx verification service reports for both the borrowers. Also, there are no undisclosed debts present. the payment of $206 is for the installment account "xxxxxx" which is reflecting on the credit report. Hence, all the red flags are addressed. Exception cleared. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | 26476234 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing Fraud Reports. |  | Reviewer Comment (2022-08-18): Fraud Report provided | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | 26476295 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing credit report gap. |  | Reviewer Comment (2022-08-18): UDM provided within 10 days prior to closing | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | 26476685 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Missing Guarantor agreement. |  | Reviewer Comment (2022-08-25): Guaranty Agreement provided<br>Reviewer Comment (2022-08-25): No new documents were provided in trailing documents on 8.24. Please try uploading again.<br>Reviewer Comment (2022-08-18): The documents provided do not contain a Guaranty Agreement. This is required when a loan closed in an Entity. The Guaranty Agreement must be signed and dated at closing. | 08/25/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | 26476790 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx Lease Agreement | Missing lease agreement for the subject property. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-08-22): Client elects to waive with verified compensation factors |  |  | 08/22/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | 26476863 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx,xxxxxx, Address: xxxxxx, xxxxxx xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx,xxxxxx e, xxxxxx, Address: xxxxxx, xxxxxx,xxxxxx Insurance Verification, Other, Tax Verification<br> Insurance Verification, Other, Tax Verification<br> Insurance Verification, Other, Tax Verification<br> Insurance Verification, Other, Tax Verification<br> Insurance Verification, Other, Tax Verification | Missing Insurance, tax verification and proof xxxxxx of all REOs on xxxxxx listed on final 1003. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-09-01): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-08-30): Received Property History Report does not have full address. Hence not able to determine which property it belongs to.<br>Reviewer Comment (2022-08-25): Property profile reports provided for xxxxxx, xxxxxx and xxxxxx showing owned by another LLC in which the borrower owns < 25% ownership in. Pending receipt of documents for xxxxxx and xxxxxx, and xxxxxx.<br>Reviewer Comment (2022-08-25): No new documents were provided in trailing documents on xxxxxx. Please try uploading again. Evidence will need to be provided that none of these properties are in the borrower's name & meet all guideline requirements for exclusion. The only document in file for the LLC mentioned in the seller's comments is a < 25% K-1.<br>Reviewer Comment (2022-08-23): Processor's cert does not clear this condition Evidence will need to be provided that none of these properties are in the borrower's name & meet all guideline requirements for exclusion.<br>Reviewer Comment (2022-08-22): No new trailing documents received. Please try uploading again.<br>Reviewer Comment (2022-08-18): LOE alone is not sufficient. Title policies nor property profile reports were uploaded. Will need this to verify free and clear for each property. Further, Free and Clear properties will be subject to property taxes and an LOE from the borrower must be provided that none of these properties have hazard insurance or HOA dues. |  |  | 09/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | 26507561 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | A non-arm's length purchase transaction is allowed on a primary residence only. | Occupancy: Investment | Subject transaction is a purchase of an investment property, which is not allowed on non-arm's length transactions per guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-08-16): Waived with compensating factors per investor exception request in file. |  |  | 08/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | 26507562 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | FSBO transactions are only allowed on arm's length transactions. Subject transaction is a FSBO purchase on a non-arm's length transaction. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-08-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-18): This is a separate exception. Only 1 exception was granted and it does not cover this condition. |  |  | 08/23/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | 26489932 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require housing history to verify 0x30x12. The borrower currently rents their primary residence and the file is missing the required 12 months of rental history. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-26): Received VOR for the borrower's current primary property. However the VOR is completed by a non-institutional lender. Hence, need most recent 6 month history (bank statement/cancelled checks/rental statements). Exception remains.<br>Reviewer Comment (2022-08-26): The credit supplement reflecting the mortgage history for the additional REO does not clear this condition. Please provide VOR for xxxxxx, which is reflected as the primary residence for 2 years at time of origination. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | 26490426 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.73730% or Final Disclosure APR of 7.75300% is in excess of allowable threshold of APOR 5.58% + 1.5%, or 7.08000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-08-26): Received appraisal delivery notice | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | 26490427 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different lender than what is on the note. |  | Reviewer Comment (2022-08-21): Client elects to waive |  |  | 08/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | 26490428 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-08-26): Received appraisal delivery notice | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | 26490429 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.53297% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .53297%). |  |  | Reviewer Comment (2022-08-21): Client elects to waive |  |  | 08/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | 26490666 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-08-21): Client elects to waive |  |  | 08/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | 26551491 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-26): Received | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | 26551493 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-21): Client elects to waive |  |  | 08/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772708 | xxxxxx | 26475206 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is missing in the provided Title Preliminary report |  | Reviewer Comment (2022-08-19): The final title policy was provided. | 08/19/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772708 | xxxxxx | 26484054 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-19): The final title policy was provided. | 08/19/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772708 | xxxxxx | 26486867 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 12-month history reflecting 0x30x12 for current rental listed on final 1003. |  | Reviewer Comment (2022-08-19): Mortgage history was provided. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772708 | xxxxxx | 26487067 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-17): Client elects to waive |  |  | 08/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775046 | xxxxxx | 26484400 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 70.00000%. | The maximum LTV for a cashout refinance is 70%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2022-08-23): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-18): The investor provided the 7.2022 lender guidelines to review to this loan which is what needs to be utilized. A request can be made for the investor to waive. |  |  | 08/23/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775046 | xxxxxx | 26484401 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Letter from Borrower is required to explain the employer name on the Credit Report that does not match the employer listed on the WVOE. |  | Reviewer Comment (2022-08-23): An LOE was provided.<br>Reviewer Comment (2022-08-18): This is a guideline requirement and must be provided | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775046 | xxxxxx | 26484548 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-23): Evidence the red flags were addressed was provided.<br>Reviewer Comment (2022-08-18): All high risk red flags were not addressed. The xxxxxx high risk flags are for broker, escrow, loan officer, account executive, broker of record and hud-1 settlement agent. All need to be addressed. | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775046 | xxxxxx | 26487835 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-08-17): Client elects to waive |  |  | 08/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775046 | xxxxxx | 26487837 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.98975% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.98975%). |  |  | Reviewer Comment (2022-08-17): Client elects to waive |  |  | 08/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26485896 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.22639% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .22639%). |  |  | Reviewer Comment (2022-08-17): Client elects to waive |  |  | 08/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26486000 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Loan is to be securitized, however a secondary valuation was not provided in file. |  | Reviewer Comment (2022-08-19): CDA received | 08/19/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26486014 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit Report Gap. |  | Reviewer Comment (2022-08-19): Gap report provided | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26523676 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Guidelines do not permit rural properties. Per appraisal provided, subject location is rural. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-28): Client elects to waive with verified compensation factors |  |  | 09/28/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26523928 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-17): Client elects to waive |  |  | 08/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26523929 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.21460% or Final Disclosure APR of 7.26900% is in excess of allowable threshold of APOR 5.31% + 1.5%, or 6.81000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-27): Evidence the appaisals were delivered on xxxxxx was provided.<br>Reviewer Comment (2022-08-30): The original appraisal with a completion date of xxxxxx was provided along with evidence of delivery of the updated/revised appraisal dated xxxxxx (delivery xxxxxx). Provide evidence of delivery within 3 business days prior to consummation of the original appraisal with a completion date of xxxxxx .<br>Reviewer Comment (2022-08-25): The same documents were provided on xxxxxx as provided on xxxxxx Please see the comments from xxxxxx and 8/24: The document provided is dated xxxxxx and reflects revised appraisal report. We do not have a revised report in file. Provide the original appraisal delivery for the report dated xxxxxx as well as the revised appraisal report.<br>Reviewer Comment (2022-08-24): No additional documents received. Please try resending. Need the preliminary appraisal report along with evidence of delivery of the preliminary appraisal you are referencing to clear this condition.<br>Reviewer Comment (2022-08-19): The document provided is dated xxxxxx and reflects revised appraisal report. We do not have a revised report in file. Provide the original appraisal delivery for the report dated xxxxxx as well as the revised appraisal report. | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26523930 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-08-30): Original appraisal received along with evidence of delivery of the updated/revised appraisal. See revised conditions.<br>Reviewer Comment (2022-08-25): The same documents were provided on xxxxxx as provided on xxxxxx Please see the comments from xxxxxx and xxxxxx: The document provided is dated xxxxxx and reflects revised appraisal report. We do not have a revised report in file. Provide the original appraisal delivery for the report dated xxxxxx as well as the revised appraisal report.<br>Reviewer Comment (2022-08-24): No additional documents received. Please try resending. Need the preliminary appraisal report along with evidence of delivery of the preliminary appraisal you are referencing to clear this condition.<br>Reviewer Comment (2022-08-19): The document provided is dated xxxxxx and reflects revised appraisal report. We do not have a revised report in file. Provide the original appraisal delivery for the report dated xxxxxx as well as the revised appraisal report. | 08/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26549999 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Gap report provided dated prior to closing reflects a credit freeze for Equifax and Experian. The credit report used to evaluate a loan may not reflect a security freeze. If the borrower(s) unfreeze credit after the date of the original credit report, a new tri-merged report must be obtained to reflect current and updated information from all repositories. |  | Reviewer Comment (2022-08-25): Post close scored report provided unfrozen. | 08/25/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26695714 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-30): Client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | 26695715 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-27): Evidence the appaisals were delivered on xxxxxx was provided.<br>Reviewer Comment (2022-08-30): The original appraisal with a completion date of xxxxxx was provided along with evidence of delivery of the updated/revised appraisal dated xxxxxx (delivery 7/26). Provide evidence of delivery within 3 business days prior to consummation of the original appraisal with a completion date of xxxxxx . | 09/27/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775846 | xxxxxx | 26485444 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | All red flags were not addressed on the Fraud report for the Borrowers. |  | Reviewer Comment (2022-08-22): A cleared fraud report was provided. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775846 | xxxxxx | 26485526 | xxxxxx | xxxxxx | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx xxxxxx employment Type: Employment / Income Type: Wages / Start date: xxxxxx | The verbal verification of employment dated xxxxxx is more than 10 calendar days from the Note date of xxxxxx for the co-borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-12): VVOE within 10 days of the Note was not found. If the investor wants to accept the updated VVOE date xxxxxx then an exception is required.<br>Reviewer Comment (2022-09-02): VVOE uploaded is for borrower but we require VVOE dated within 10 days for the Co-borrower xxxxxx. |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775846 | xxxxxx | 26485843 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | New Jersey High-Cost Loan: Notice to Borrower not provided to borrower. | Missing the New Jersey High-Cost Loan: Notice to Borrower. |  | Reviewer Comment (2022-09-21): Undiscounted rate and price provided. Condition no longer applies.<br>Reviewer Comment (2022-09-16): The LOE provided is not acceptable. The screen shots provided give no indication it is for this loan or borrower. Provide the discount point worksheet with the undiscounted rate and price. The premium or amount of discount points required to obtain the Undiscounted Interest Rate. The undiscounted price is not the same as the discount points paid by borrower as reflected on the CD. This information can typically be derived from documentation such as a Rate Sheet or Price Engine Printout showing the Buy Up and Buy Down options.<br>Reviewer Comment (2022-09-07): LOE provided is not acceptable. Please provide the undiscounted rate and price via a Discount Point Worksheet to determine if any bonafide discount points can be excluded.<br>Reviewer Comment (2022-09-02): Unable to determine which fees were included in the testing. The total for xxxxxx State testing is $21,700.04 and the max is $21,421.25. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery.<br>(Narrow Defense - CHD Approval Required) Within 365 days of closing, and prior to lender receiving any notice from borrower of the compliance failure, provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery. B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775846 | xxxxxx | 26485877 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.66646% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.66646%). |  |  | Reviewer Comment (2022-08-17): Client elects to waive |  |  | 08/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775846 | xxxxxx | 26485878 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | New Jersey Home Ownership Security Act: Points and Fees on subject loan of 4.55644% is in excess of the allowable maximum of 4.50000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .05644%). Non-Compliant High Cost Loan. |  |  | Reviewer Comment (2022-09-21): Undiscounted rate and price provided. Condition no longer applies.<br>Reviewer Comment (2022-09-16): The LOE provided is not acceptable. The screen shots provided give no indication it is for this loan or borrower. Provide the discount point worksheet with the undiscounted rate and price. The premium or amount of discount points required to obtain the Undiscounted Interest Rate. The undiscounted price is not the same as the discount points paid by borrower as reflected on the CD. This information can typically be derived from documentation such as a Rate Sheet or Price Engine Printout showing the Buy Up and Buy Down options.<br>Reviewer Comment (2022-09-07): LOE provided is not acceptable. Please provide the undiscounted rate and price via a Discount Point Worksheet to determine if any bonafide discount points can be excluded.<br>Reviewer Comment (2022-09-02): Unable to determine which fees were included in the testing. The total for xxxxxx State testing is xxxxxx and the max is xxxxxx. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery.<br>(Narrow Defense - CHD Approval Required) Within 365 days of closing, and prior to lender receiving any notice from borrower of the compliance failure, provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery. B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775846 | xxxxxx | 26523409 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, any non-institutional VOR requires canceled checks. VOR provided is from private individual and borrower is a FTHB, requiring a 0x30x12 housing history. Please provide 12 months canceled checks to verify housing history. |  | Reviewer Comment (2022-08-22): 12 months of rental payments were provided. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773903 | xxxxxx | 26486022 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  | Missing the Condo Rider. |  | Reviewer Comment (2022-08-19): Condo Rider provided | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773903 | xxxxxx | 26490030 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.37500% or Final Disclosure APR of 7.43000% is in excess of allowable threshold of APOR 5.88% + 1.5%, or 7.38000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-08-19): Appraisal delivery provided | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773903 | xxxxxx | 26490105 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Document is missing of when the Borrower received a copy of the Appraisal. |  | Reviewer Comment (2022-08-17): Client elects to waive |  |  | 08/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773903 | xxxxxx | 26490106 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-08-19): Appraisal delivery provided | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773903 | xxxxxx | 26524638 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per final 1003, borrower has rented current residence for 4 years with a payment of $7,250 per month. Loan file is missing VOR. Please note, if non-institutional lender, 6 months canceled checks will also be required. |  | Reviewer Comment (2022-08-23): Received | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773741 | xxxxxx | 26487798 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address:xxxxxx,xxxxxx, xxxxxx Account Statements |  |  | Reviewer Comment (2022-09-02): Evidence of rental payment received was provided.<br>Reviewer Comment (2022-08-31): Exception remains as provided bank statement does not reflects any rental income for REO property<br>Reviewer Comment (2022-08-22): No additional trailing documents were uploaded. Please try resending them again. | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773741 | xxxxxx | 26525987 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-24): Received credit gap report for the borrower dated xxxxxx Document attached. Exception cleared. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776449 | xxxxxx | 26666577 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. |  | Reviewer Comment (2022-09-23): Received gap credit report dated xxxxxx Exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776449 | xxxxxx | 26666821 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Hazard Insurance payee is listed as xxxxxx. & xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-23): Client elects to waive with verified compensation factors |  |  | 09/23/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776449 | xxxxxx | 26666889 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Unable to determine when the Lender provided the Appraisal to the Borrower. |  | Reviewer Comment (2022-08-29): Client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776449 | xxxxxx | 26666890 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.22135% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.22135%). |  |  | Reviewer Comment (2022-08-29): client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776439 | xxxxxx | 26486090 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal address does not match the Note. |  | Reviewer Comment (2022-09-14): Received | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 776439 | xxxxxx | 26518416 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Per the Note, section 4, the loan should have a PPP. |  | Reviewer Comment (2022-09-19): As per the Matrix Prepayment penalty is not allowed for the state of xxxxxx, Exception Cleared. | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | Yes | Property Focused |
| xxxxxx | 776439 | xxxxxx | 26518480 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per the purchase contract, the current leases are transferring. Provide the lease agreements. |  | Reviewer Comment (2022-09-15): Received sales contract addendum stating that "There is no written lease with current tenant thus no leases will be provided, Exception Cleared(D0235) | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 776439 | xxxxxx | 26518490 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Addresses do not match the Note. |  | Reviewer Comment (2022-09-16): HOI matching note address was received. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 775574 | xxxxxx | 26499002 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI Coverage is short in the amount of $xxxxxx. Please provide increased coverage or RCE. |  | Reviewer Comment (2022-09-16): Received Hoi policy with increased dwelling amount covering the shortfall (D0128), Exception Cleared<br>Reviewer Comment (2022-09-15): Page 2 reflects increase of coverage was effective xxxxxx which is after closing and not acceptable.<br>Reviewer Comment (2022-09-09): The HOI provided has dwelling coverage of $xxxxxx. Minimum coverage per xxxxxx and xxxxxx requirements (which is also per guidelines to follow) is 80% of the RCE. Minimum coverage is $xxxxxx<br>Reviewer Comment (2022-09-06): HOI requirements will need to follow Section 8.6 of your guidelines dated 7.15.22, as that is the guidelines Investor instructed us to review this file to.<br>Reviewer Comment (2022-08-29): This file was not reviewed to Verus guidelines. It was reviewed to the xxxxxx per the investor. Please provide increased coverage or RCE.<br>Reviewer Comment (2022-08-23): xxxxxx do not indicate that HOI covering the loan amount is sufficient coverage, nor do xxxxxx Need increased coverage in the amount of xxxxxx or an RCE to clear this condition. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775574 | xxxxxx | 26499032 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Missing |  | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775574 | xxxxxx | 26499034 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.86437% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .86437%). |  |  | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775574 | xxxxxx | 26499036 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77223) | Title - Policy Guarantee Fee not include in the fee disclosed on Loan Estimate. |  | Reviewer Comment (2022-08-24): SitusAMC Received Detailed LOE, Copy of Check<br>Reviewer Comment (2022-08-24): Exception was erroneously cancelled.<br>Reviewer Comment (2022-08-23): SitusAMC: Upon further review there is no tolerance violation of fee. |  | 08/24/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775574 | xxxxxx | 26499140 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.35 is less than Guideline PITIA months reserves of 4.00. | Guideline PITIA months reserves of 4.00 | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-06): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-08-24): Received appraisal invoice; however, borrower still short the required reserves.<br>Reviewer Comment (2022-08-24): Exception Explanation Updated from: Calculated PITIA months reserves of 1.29 is less than Guideline PITIA months reserves of 4.00.<br>Reviewer Comment (2022-08-23): Based on final CD signed by borrower, cash to close is $59,455.18. Borrower is short required reserves. |  |  | 09/06/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775574 | xxxxxx | 26537807 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-24): Received | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775574 | xxxxxx | 26537808 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 120.00 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | 26510847 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Guideline Requirement: Non-Occupant Borrower is not permitted. |  | The guidelines do not allow a Cash-Out Transaction when a Non-Occupant Co-Borrower is on the loan. The loan closed as a Cash-Out Transaction with a Non-Occupant Co-Borrower. The file contains an Investor exception. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-08-18): Waived with compensating factors per investor request. |  |  | 08/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | 26510867 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines require the Borrower and Co-Borrower to complete and sign a Non-Occupant Co-Borrower Certification when there is a Non-Occupant Co-Borrower on the loan. The file is missing the Non-Occupant Co-Borrower Certification. |  | Reviewer Comment (2022-08-23): Document provided | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | 26510909 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | The guidelines do not allow rural properties. The subject property is a rural property per the appraisal. The file contains an Investor exception. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-08-18): Waived with compensating factors per investor request. |  |  | 08/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | 26512326 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different lender than what is on the note. |  | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | 26512327 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.38807% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.38807%). |  |  | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | 26512331 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $275.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The Appraisal Re-Inspection Fee increased from $0.00 on the initial Loan Estimate to $275.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-08-23): SitusAMC received a valid COC on xxxxxx for the Appraisal Re-Inspection fee added due to Appraisal 1004D as required by UW. Also, supporting approval document was provided in original file. | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | 26512387 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | The file contains an Alerts Summary that shows there are 6 high alerts that have not been cleared. |  | Reviewer Comment (2022-08-24): Page 1 does not show alerts cleared but each one was addressed individually.<br>Reviewer Comment (2022-08-23): The clearance report provided under High Risk does not reflect any items cleared. Shows 0 cleared. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | 26512460 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The guidelines require a letter of explanation for all gaps in employment greater than one or more months. The Co-Borrower had a gap in employment from xxxxxx through xxxxxx and the file is missing the letter of explanation. |  | Reviewer Comment (2022-08-23): LOE provided | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773699 | xxxxxx | 26499755 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-22): Evidence the red flags were addressed was provided. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773699 | xxxxxx | 26499788 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Title Commitment reflects liens that were not paid off at closing. Items #7, #8 and #10 are required to be addressed. |  | Reviewer Comment (2022-08-22): Evidence the judgement was paid was provided. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773699 | xxxxxx | 26499926 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing the List of Homeownership Counseling Organizations. |  | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773699 | xxxxxx | 26499927 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Missing Initial CD. |  | Reviewer Comment (2022-08-22): SitusAMC received the initial CD. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773699 | xxxxxx | 26533232 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Gap reports in file are dated xxxxxx , which is 12 days prior to the Note date. Please provide gap report dated no more than 10 days prior to Note date, or any time after Note date. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-25): As per guidelines, "A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing". Please provide a relevant credit gap report for both borrowers. Exception remains. |  |  | 08/29/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | 26498433 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is missing on the provided Title Preliminary report |  | Reviewer Comment (2022-08-23): Received title supplement | 08/23/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | 26501201 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-08-30): CDA received | 08/30/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | 26501343 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | The Facta Disclosure is dated the same day as closing. |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | 26501346 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan is failing ATR due to Gift Funds were transferred on xxxxxx which is post consummation date of xxxxxx . Compliance testing is based on consummation date, not funding date. |  | Reviewer Comment (2022-09-01): Received gift letter and attestation from donor that it was signed xxxxxx .<br>Reviewer Comment (2022-08-31): LOE from borrower cannot be used to clear this condition. The donor will need to provide an LOE that they signed and sent the complete gift letter on xxxxxx , as it is the donor's signature that is dated xxxxxx on the original gift letter.<br>Reviewer Comment (2022-08-29): The closing statement does not clear this condition. Also, the gift letter provided is identical to the gift letter at original submission, except for the signature date by the donor/borrower. Will need evidence that the gift letter was actually signed on xxxxxx and not xxxxxx as in original submission.<br>Reviewer Comment (2022-08-24): The gift letter provided cannot be used to clear this condition. The gift letter in file at time of initial review is dated xxxxxx , which is what was used in compliance testing. | 09/01/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | 26501347 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | Loan is failing ATR due to Gift Funds were transferred on xxxxxx which is post consummation date of xxxxxx . Compliance testing is based on consummation date, not funding date. |  | Reviewer Comment (2022-09-01): Received gift letter and attestation from donor that it was signed xxxxxx .<br>Reviewer Comment (2022-08-31): LOE from borrower cannot be used to clear this condition. The donor will need to provide an LOE that they signed and sent the complete gift letter on xxxxxx , as it is the donor's signature that is dated xxxxxx on the original gift letter.<br>Reviewer Comment (2022-08-29): The closing statement does not clear this condition. Also, the gift letter provided is identical to the gift letter at original submission, except for the signature date by the donor/borrower. Will need evidence that the gift letter was actually signed on xxxxxx and not xxxxxx as in original submission.<br>Reviewer Comment (2022-08-24): The gift letter provided cannot be used to clear this condition. The gift letter in file at time of initial review is dated xxxxxx , which is what was used in compliance testing. | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | 26501348 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan is failing ATR due to Gift Funds were transferred on xxxxxx which is post consummation date of xxxxxx . Compliance testing is based on consummation date, not funding date. |  | Reviewer Comment (2022-09-01): Received gift letter and attestation from donor that it was signed xxxxxx . | 09/01/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | 26544179 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-23): UW certification received. | 08/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773100 | xxxxxx | 26505122 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-08-25): Received final title | 08/25/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773100 | xxxxxx | 26505124 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx 0 based on the Commitment in file. |  |  | Reviewer Comment (2022-08-25): Received final title | 08/25/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773100 | xxxxxx | 26505137 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx,xxxxxx, xxxxxx Insurance Verification | The file is missing insurance verification for the borrower's investment property located on xxxxxx |  | Reviewer Comment (2022-08-30): Hazard Insurance is provided for REO property - xxxxxx, xxxxxx. Hence, the exception is cleared.<br>Reviewer Comment (2022-08-26): The use of the property does not indicate HOI is not required. Please provide HOI for this REO. | 08/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773100 | xxxxxx | 26505172 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The file contains documentation that the borrower received the appraisal report on xxxxxx ; however, the appraisal report in the file is dated xxxxxx . There is not evidence in the file that the borrower received a copy of the final appraisal report. |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773100 | xxxxxx | 26505174 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Amount of Non-Escrowed Property Costs over Year 1. (Final xxxxxx) | The Final Closing Disclosure reflects the Non-Escrowed Property Costs Over Year 1 as $0.00; however, the Appraisal Report reflects HOA dues of xxxxxx per year. |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773100 | xxxxxx | 26505175 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,671.92 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The Final Closing Disclosure reflects the Escrowed Property Costs Over Year 1 as xxxxxx; however, the Hazard Insurance is xxxxxx per year and property taxes are xxxxxx per year for a total of xxxxxx per year. |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775906 | xxxxxx | 26498952 | xxxxxx | xxxxxx | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Required on Entity loans in Community Property States. |  | Reviewer Comment (2022-09-30): Spousal Consent received , Exception Cleared | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775906 | xxxxxx | 26542851 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx | Dry Date: Policy effective date is after disbursement. |  | Reviewer Comment (2022-08-25): Updated HOI provided | 08/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775906 | xxxxxx | 26543331 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-14): We need operating agreement to clear this exception. Exception remains.<br>Reviewer Comment (2022-09-01): Received Duplicate copies of Articles of Organization/Formation, Please provide Operating Agreement which help to determine Ownership percentage (%) of the borrower, Exception Remains |  |  | 09/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776143 | xxxxxx | 26540064 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an executed PPP rider in the file that is missing the % term. Per the Final HUD-1, the loan closed without a PPP. Provide the cancelled PPP rider, LOE to borrower, and evidence of delivery to the borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-30): Corrected PPP provided. Provide the LOE to borrower and evidence of delivery to clear. |  |  | 09/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 773014 | xxxxxx | 26796533 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing and required per guidelines. |  | Reviewer Comment (2022-09-15): Fraud Report received , Exception Cleared | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773014 | xxxxxx | 26796539 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Gap credit report is required and not provided. |  | Reviewer Comment (2022-09-15): Received UDM report dated xxxxxx Document attached. Exception cleared. | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773014 | xxxxxx | 26796599 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing evidence of appraisal delivery to borrower at or before closing. |  | Reviewer Comment (2022-09-13): Client elects to waive |  |  | 09/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773014 | xxxxxx | 26796600 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Missing evidence of appraisal delivery to borrower at or before closing. |  | Reviewer Comment (2022-09-14): Appraisal delivery acknowledgment received | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773014 | xxxxxx | 26796601 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Disclosure was provided, however date of list provided to borrower cannot be determined. |  | Reviewer Comment (2022-09-13): Client elects to waive |  |  | 09/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773014 | xxxxxx | 26796605 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.16360% or Final Disclosure APR of 8.24400% is in excess of allowable threshold of APOR 5.38% + 1.5%, or 6.88000%. Non-Compliant Higher Priced Mortgage Loan. | Non-compliant HPML. APR on loan of 8.16360% or final CD APR of 8.24400% is in excess of allowable tolerance of APOR 5.38% + 1.5% or 6.8800% |  | Reviewer Comment (2022-09-14): Appraisal delivery acknowledgment received | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773014 | xxxxxx | 26819202 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Private VOR in file and loan file is missing evidence of the xxxxxx and xxxxxx rental payments to complete the required 12 month history. |  | Reviewer Comment (2022-09-16): Received bank statement for June 2022 and cancelled check for the month of July 2022 verifying monthly rent. 12 months housing history fulfilled. Exception cleared. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773014 | xxxxxx | 26819213 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-13): Client elects to waive |  |  | 09/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773014 | xxxxxx | 26819214 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-14): Appraisal delivery acknowledgment received | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774106 | xxxxxx | 26511987 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.42 is less than Guideline PITIA months reserves of 6.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-30): Client elects to waive with verified compensation factors |  |  | 08/30/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774106 | xxxxxx | 26556312 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Per CPA letter provided, borrower owns 51% of business used in income and asset qualification. Guidelines require an LOE from the additional owner(s) giving borrower access to business funds and acknowledging the transaction, which was not provided. |  | Reviewer Comment (2022-08-29): Received LOE from the additional owner(s) giving borrower access to business funds and acknowledging the transaction. Hence exception cleared. | 08/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774106 | xxxxxx | 26556401 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-26): Gap provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | 26516078 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  | Reviewer Comment (2022-08-22): Client elects to waive |  |  | 08/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | 26516082 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,032.00 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-08-22): Client elects to waive |  |  | 08/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | 26516223 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx Tax Verification |  |  | Reviewer Comment (2022-08-26): Tax Cert provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | 26516487 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-31): Fraud Report received for xxxxxx, Exception Cleared<br>Reviewer Comment (2022-08-26): Fraud Report provided for xxxxxx. Pending receipt of Fraud report for xxxxxx. | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | 26558599 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-08-29): Received 1008 xxxxxx signed. Exception cleared.<br>Reviewer Comment (2022-08-26): Provide the 1008 xxxxxx name or the signed approval w/conditions. The document provided does not reflect conditions nor is signed. | 08/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | 26565406 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, VORs from non-institutional lenders require canceled checks. Both properties owned by borrower are owned by private parties. Please provide 6 months most recent canceled checks for both properties (subject and xxxxxx REO). | The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-19): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-26): The documentation provided was already in file at time of review. No new documents were provided for the borrower's REO property and for the subject property, the supplement states the history was verified with docs provided by the current lender. 6 months cancelled checks/bank statements for each VOM is required per guidelines. |  |  | 09/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | 26573178 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Properly Executed by all persons vested on title) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed. |  |  | Reviewer Comment (2022-08-26): Document provided signed by borrower at closing | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | 26573179 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Missing Lender signature. |  | Reviewer Comment (2022-09-07): LOE via email and delivery of FMV with lender signature provided to the borrower.<br>Reviewer Comment (2022-09-06): No additional documents received. Please try resending.<br>Reviewer Comment (2022-08-29): Exception Remains - As document received is coversheet hence required Acknowledgment of the Fair Market Value executed by Lender.<br>Reviewer Comment (2022-08-26): Document provided is signed by borrower at closing, however executed by the lender post closing: Cure: Deliver to the borrower the required disclosure documents, (xxxxxx signed by the lender), LOE to borrower, and evidence of delivery to the borrower. |  | 09/07/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775949 | xxxxxx | 26521596 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-08-24): Received | 08/24/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | D A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775949 | xxxxxx | 26521609 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-24): Received final title | 08/24/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775949 | xxxxxx | 26592820 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. |  | Appraisal provided is dated xxxxxx , which is after consummation date of xxxxxx . Please provide appraisal completed prior to consummation. |  | Reviewer Comment (2022-08-24): Received<br>Reviewer Comment (2022-08-23): Per the appraisal, updates were made, however we still need the appraisal report with a completion date prior to consummation. Therefore, please provide the origination appraisal prior to updates. | 08/24/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774936 | xxxxxx | 26507904 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. |  | Reviewer Comment (2022-08-26): Received<br>Reviewer Comment (2022-08-26): No documents received. Please try resending. | 08/26/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774936 | xxxxxx | 26515129 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The file contains documentation that the borrower received the appraisal report on xxxxxx ; however, the appraisal report in the file is dated xxxxxx . There is not evidence in the file that the borrower received a copy of the final appraisal report. |  | Reviewer Comment (2022-08-22): Client elects to waive |  |  | 08/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774936 | xxxxxx | 26515185 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-08-26): Received | 08/26/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774936 | xxxxxx | 26515187 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-08-26): Received<br>Reviewer Comment (2022-08-26): No documents received. Please try resending. | 08/26/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774930 | xxxxxx | 26517273 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.81296% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.81296%). |  |  | Reviewer Comment (2022-08-22): Client elects to waive |  |  | 08/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774930 | xxxxxx | 26553327 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per appraisal, property has rural characteristics, which is not permitted per guidelines. Loan fie contains investor exception request. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-22): Waived with compensating factors per investor exception request in file. |  |  | 08/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774930 | xxxxxx | 26553589 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx WVOE - Includes Income | Per guidelines for overtime income, a completed WVOE is required detailing base and overtime earnings, which was not provided in the loan file. |  | Reviewer Comment (2022-08-24): Received | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774930 | xxxxxx | 26553664 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-24): Received | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774255 | xxxxxx | 26521908 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different lender than what is on the note. |  | Reviewer Comment (2022-08-23): Client elects to waive |  |  | 08/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774255 | xxxxxx | 26521909 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-08-23): Client elects to waive |  |  | 08/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774255 | xxxxxx | 26521943 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form xxxxxx was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-09-21): Certificate of Completion provided. Refer doc id # D0214. Hence, exception cleared.<br>Reviewer Comment (2022-08-24): The original appraisal was made subject to completion. The 442 provided does not reflect "certification of completion", but rather "summary appraisal update report". Will need 442 reflecting the property is completed. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774255 | xxxxxx | 26611286 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) | Missing evidence of delivery of appraisal report to borrower. The document provided is from a different lender and states borrower will soon receive a link to download the report; however, the additional email with the link was not provided to verify the date sent. |  | Reviewer Comment (2022-08-23): client elects to waive |  |  | 08/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774255 | xxxxxx | 26611287 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.63040% or Final Disclosure APR of 9.69300% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. | Missing evidence of delivery of appraisal report to borrower. The document provided is from a different lender and states borrower will soon receive a link to download the report; however, the additional email with the link was not provided to verify the date sent. |  | Reviewer Comment (2022-09-07): Appraisal delivery provided<br>Reviewer Comment (2022-08-25): The LOE form the UW is not sufficient. This pertains to the appraisal delivery. The letter referenced is not an appraisal delivery letter. It states "This letter is to let you know that you'll soon be receiving an email from UWM which includes a link to your appraisal and other valuation reports for the subject property". We need the actual email sent to the borrower reflecting the date to clear this condition. | 09/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774255 | xxxxxx | 26611288 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Missing evidence of delivery of appraisal report to borrower. The document provided is from a different lender and states borrower will soon receive a link to download the report; however, the additional email with the link was not provided to verify the date sent. |  | Reviewer Comment (2022-09-07): Appraisal delivery provided<br>Reviewer Comment (2022-08-24): The letter referenced is not an appraisal delivery letter. It states "This letter is to let you know that you'll soon be receiving an email from UWM which includes a link to your appraisal and other valuation reports for the subject property". We need the actual email sent to the borrower reflecting the date to clear this condition. | 09/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776140 | xxxxxx | 26521234 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing |  | Reviewer Comment (2022-08-23): Client elects to waive |  |  | 08/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776140 | xxxxxx | 26521306 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | All red flags needs to be cleared. |  | Reviewer Comment (2022-08-25): Received fraud report dated xxxxxx with all the red flags addressed. Document attached. Exception cleared. | 08/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 26523265 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI policy indicates xxxxxx; however, Note does not. Also, HOI indicates Zip Code is ; however, Note indicates Zip Code is xxxxxx |  | Reviewer Comment (2022-10-04): Corrected HOI with zip code updated received. Also received new Note, DOT, LOI and mailing label updating address with Unit xxxxxx Pending receipt of delivery (or at minimum tracking to show shipped) as search just reflects label was created.<br>Reviewer Comment (2022-08-31): HOI Received with the correct Zip, However, Unit xxxxxx is still reflecting in New HOI which is not there in Note Exception Remains. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 26523429 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-08-23): Client elects to waive |  |  | 08/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 26608549 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 59.30622% exceeds Guideline total debt ratio of 45.00000%. | Per the VOR provided in the file, borrower's current lease does not end until 8/2023. Adding this lease payment to borrower's total monthly debt obligations, DTI exceeds the guideline maximum of 45% for a FTHB. |  | Reviewer Comment (2022-10-07): Corrected VOR provided showing leased ended 9/2022 vs. 8/2023. DTI now within guidelines with exclusion of rental debt.<br>Reviewer Comment (2022-10-04): The VOR provided is missing the To xxxxxx credit name and address, the property address, account in the name of, account no on the form. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 26608568 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding guideline maximum of 45% for a FTHB. |  | Reviewer Comment (2022-10-07): Corrected VOR provided showing leased ended 9/2022 vs. 8/2023. DTI now within guidelines with exclusion of rental debt.<br>Reviewer Comment (2022-10-04): The VOR provided is missing the To xxxxxx credit name and address, the property address, account in the name of, account no on the form. | 10/07/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 26608569 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding guideline maximum of 45% for a FTHB. |  | Reviewer Comment (2022-10-07): Corrected VOR provided showing leased ended 9/2022 vs. 8/2023. DTI now within guidelines with exclusion of rental debt.<br>Reviewer Comment (2022-10-04): The same comments were provided that were previously rejected. The updated document provided is not completed. I does not reflect the property address and xxxxxx information.<br>Reviewer Comment (2022-10-04): The VOR provided is missing the To xxxxxx credit name and address, the property address, account in the name of, account no on the form. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 26608570 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 59.30622% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Per the VOR provided in the file, borrower's current lease does not end until 8/2023. Adding this lease payment to borrower's total monthly debt obligations, DTI exceeds the guideline maximum of 45% for a FTHB. |  | Reviewer Comment (2022-10-07): Corrected VOR provided showing leased ended 9/2022 vs. 8/2023. DTI now within guidelines with exclusion of rental debt.<br>Reviewer Comment (2022-10-04): The same comments were provided that were previously rejected. The updated document provided is not completed. I does not reflect the property address and xxxxxx information.<br>Reviewer Comment (2022-10-04): The VOR provided is missing the To xxxxxx credit name and address, the property address, account in the name of, account no on the form. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 26917563 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA do not reflect Unit xxxxxx. Updated Note and DOT for address adding Unit xxxxxx received post review. |  | Reviewer Comment (2022-10-21): Updated appraisal and delivery provided<br>Reviewer Comment (2022-10-13): Updated CDA provided. Pending receipt of updated appraisal and delivery to borrower. | 10/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 26917564 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert does not reflect Unit xxxxxx updated Note and DOT for address adding Unit xxxxxx received post review. |  | Reviewer Comment (2022-10-10): Document Provided. Hence, exception cleared. | 10/10/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 26917568 | xxxxxx | xxxxxx | Credit | System | General | System | 1003 Subject Address does not match Note address. |  | 1003 does not reflect Unit xxxxxx. Updated Note and DOT for address adding Unit xxxxxx received post review. |  | Reviewer Comment (2022-10-11): 1003 received with Unit xxxxxx, Exception Cleared | 10/11/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 27031863 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-21): Client elects to waive |  |  | 10/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | 27031864 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-10-21): Client elects to waive |  |  | 10/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776153 | xxxxxx | 26525902 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the current ground rent figure from the association for the subject property for both the minimum and additional rents required to be paid. We do not have enough information to calculate the figures based off page 4 (b), (c), (cii(a)) and (cii(b)). Subject to DSCR re-calculation. |  | Reviewer Comment (2022-09-16): Document provided reflecting amounts are not et renegotiated. Utilized rents specified by appraiser.<br>Reviewer Comment (2022-09-09): Per the appraiser comments, the subject's ground lease is being renegotiated as of xxxxxx (loan closed xxxxxx). Will need something from the HOA stating this is still in process or if renegotiated, the dollar figure for the unit, as this could be higher and affects the DSCR.<br>Reviewer Comment (2022-09-01): No additional documents were provided, however based on the comments, the seller provided the same documentation again. Please see comments from xxxxxx: The same document was provided that was in file at time of review. It says after xxxxxx a calculation it utilized to determine annual minimum rent and additional rent. Documentation must be provided as to what this exact figure is from the HOA/third party.<br>Reviewer Comment (2022-08-30): The same document was provided that was in file at time of review. It says after Jan 1, 2002 a calculation it utilized to determine annual minimum rent and additional rent. Documentation must be provided as to what this exact figure is from the HOA/third party.<br>Reviewer Comment (2022-08-29): No additional documents received. Please try resending. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 776153 | xxxxxx | 26608605 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HO6 policy reflects the mailing address for the borrower as the subject property. Per guidelines, verify the Hazard Insurance does not show the borrower's mailing address is the same address as the subject property. |  | Reviewer Comment (2022-08-30): Updated HO6 provided | 08/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 776153 | xxxxxx | 26608787 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The branch manager, or branch personnel designated by the branch manager, will email the borrower to verify that the property is an investment property, on every loan. Provide the email. |  | Reviewer Comment (2022-08-30): Email provided<br>Reviewer Comment (2022-08-29): No additional documents received. Please try resending. | 08/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 776153 | xxxxxx | 26608815 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condotels – no fractional ownership allowed in the project. Provide evidence of this. |  | Reviewer Comment (2022-09-12): HOA questionnaire provided reflecting no fractional ownership.<br>Reviewer Comment (2022-09-09): Unable to see any new document uploaded in xxxxxx. Please try to upload it again.<br>Reviewer Comment (2022-08-30): The condition is not stating that Condotels are not allowed but evidence of no fractional ownership is to be provided. The lender provided a screen shot of a partial HOA cert that was not provided in the file. Provide the full document for review. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 775508 | xxxxxx | 26529727 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Policy states the coverage amount as $xxxxxx. The Appraisal reflects the estimated cost new as xxxxxx The coverage shortfall is $144,292.00. |  | Reviewer Comment (2022-08-26): RCE provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775508 | xxxxxx | 26642349 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | Per guidelines, FTHB must have a documented 0x30x12 housing history. Per final 1003, borrower has been living rent free for 3 years, which does not meet the guideline requirement. Loan file contains an investor exception request. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-24): Waived with compensating factors per investor exception request report in file. |  |  | 08/24/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775499 | xxxxxx | 26529273 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Initial CD dated xxxxxx is not signed by borrower. Applying 3 day mailbox rule, CD was not received until xxxxxx , which is not 3 days prior to closing. |  | Reviewer Comment (2022-08-29): SitusAMC Received Initial CD dated xxxxxx signed by borrower on xxxxxx .<br>Reviewer Comment (2022-08-26): SitusAMC No additional CD received in file. File contains earliest CD dated xxxxxx ; however, there is no evidence in file which shows CD was received by borrower 3 days prior to closing date xxxxxx . Provide supporting evidence which shows borrower received the CD 3 days prior to closing date xxxxxx . | 08/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775499 | xxxxxx | 26645129 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-09-07): Title Final received with the updated loan amount. Exception Cleared. | 09/07/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775499 | xxxxxx | 26645204 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-24): Client elects to waive |  |  | 08/24/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775499 | xxxxxx | 26645205 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-08-24): Client elects to waive |  |  | 08/24/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775943 | xxxxxx | 26530420 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-08-29): CDA received<br>Reviewer Comment (2022-08-25): CDA will be ordered | 08/29/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 775943 | xxxxxx | 26646504 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note/DOT+Riders/Flood Certificate reflect the city as xxxxxx vs. all other documents which reflect the city as xxxxxx. A lookup of the USPS.com reflects the city should be xxxxxx. Provide the corrected documents, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2022-09-12): Corrected docs were provided.<br>Reviewer Comment (2022-09-09): Unable to see any new documents uploaded in xxxxxx. Please try to upload it again. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 775573 | xxxxxx | 26539877 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Guidelines require borrowers who are currently living rent free to provide a letter from the relative they are residing with stating they are living rent free. Final 1003 indicates both borrowers have lived rent free for the prior 2 years and 2 months and the required LOE was not provided. |  | Reviewer Comment (2022-08-30): LOE provided. See added exception | 08/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775573 | xxxxxx | 26650412 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Subject is new construction and file does not contain evidence of how property taxes were calculated. Please provide tax certificate. |  | Reviewer Comment (2022-10-26): All tax documents have been provided.<br>Reviewer Comment (2022-10-24): Provide the LOE to borrower and evidence of delivery to the borrower for the revised PC-CD to clear.<br>Reviewer Comment (2022-10-21): The document provided reflects a millage rate of 19.3364 vs 1.93364. Further, a CD and first payment letter are not evidence of the actual tax rate for the property. It should be further noted, the sellers calculation states taxes were calculated at xxxxxx xxxxxx/month, however on the PC-CD, the figure was reduced to xxxxxx/month.<br>Reviewer Comment (2022-10-17): Seller's comments on xxxxxx only provide an update and that their is a delay in getting documents to DD.<br>Reviewer Comment (2022-08-26): 1008 does not clear this condition. We would an estimated tax breakdown from the county/county website for newly contracted properties for the county. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775573 | xxxxxx | 26650492 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List provided; however, not dated to determine if it meets timing requirements. |  | Reviewer Comment (2022-08-25): Client elects to waive |  |  | 08/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775573 | xxxxxx | 26650493 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | Zero percent fee tolerance exceeded. The CoC provided does not list a valid reason for the addition of the Appraisal Desk Review Fee. |  | Reviewer Comment (2022-08-26): SitusAMC Received a copy of COC dated xxxxxx shows a valid reason for change. | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775573 | xxxxxx | 26698679 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per rent free LOE provided, the borrower is living rent free in a residence owned by the employer. Per guidelines, rent free is only allowed if a borrower is living with a relative. Investor exception will be required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-09-02): The client elects to waive with comp factors. |  |  | 09/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775573 | xxxxxx | 27058940 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Reviewer Comment (2022-10-27): The client elects to waive. |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773642 | xxxxxx | 26539547 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Charge-offs / Balance: 12491.00, Credit Report: Original // Public Record Type: Collections / Balance: 5193.00 |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-25): Client elects to waive |  |  | 08/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773642 | xxxxxx | 26539990 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 599 is less than Guideline representative FICO score of 600. | The minimum FICO score required per Lender guidelines for the Flex product is 600. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-31): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-29): The investor provided us with 4.2022 guidelines and an 8.2022 matrix which must be utilized. Condition remains. |  |  | 08/31/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773642 | xxxxxx | 26540133 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing the List of Homeownership Counseling Organizations. |  | Reviewer Comment (2022-08-25): Client elects to waive |  |  | 08/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773642 | xxxxxx | 26540135 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Missing Initial CD. |  | Reviewer Comment (2022-08-30): SitusAMC Received Initial CD dated xxxxxx . | 08/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773642 | xxxxxx | 26540136 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of xxxxxx exceeds tolerance of $300.00 plus 10% or xxxxxx. Insufficient or no cure was provided to the borrower. xxxxxx | No Change of Circumstance found in the loan file reflecting a valid reason or reasons for the fee increase. |  | Reviewer Comment (2022-09-26): SitusAMC received proof of borrower receiving the refund check.<br>Reviewer Comment (2022-09-14): SitusAMC received copy of a Payment Confirmation from xxxxxx \*xxxxxx was submitted and dates Paper Check Deliver by xxxxxx. We must receive proof that borrower was mailed the refund check via tracking or if this is electronically transmitted, we would need proof of receipt by borrower into borrower account. Document submitted only appears to confirm a check was requested by lender and unable to confirm borrower received and how/where. Bank statements in file for borrower reflect borrower's accounts with xxxxxx and if electronically transferred, would need to also document was sent to one of the verified accounts owned by borrower. Please provide additional information to support borrower mailing of check via tracking or proof of receipt by borrower.<br>Reviewer Comment (2022-09-13): SitusAMC Received PCCD, LOE, Proof of Mailing; however, copy of check is missing. Provide copy of check. |  | 09/26/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26544736 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Missing Final Application reflecting the business used for income qualification in the Current Employment section. |  | Reviewer Comment (2022-08-31): Received Final Application reflecting the business used for income qualification Exception Cleared | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26545288 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $60,529.73 is less than Cash From Borrower $101,168.63. | File is missing evidence that the gift funds were transferred to borrower prior to closing or to settlement agent at closing. |  | Reviewer Comment (2022-08-31): Received | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26545323 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Please provide evidence of borrower's ownership percentage in business used for income qualification. |  | Reviewer Comment (2022-08-31): Received | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26548240 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.64342% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.64342%). |  |  | Reviewer Comment (2022-08-25): Client elects to waive |  |  | 08/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26548244 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing the List of Homeownership Counseling Organizations to borrower. |  | Reviewer Comment (2022-08-25): Client elects to waive |  |  | 08/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26548245 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 336.00 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The Appraisal reflects a differet amount for HOA fees than the Final CD does. |  | Reviewer Comment (2022-08-25): Client elects to waive |  |  | 08/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26548317 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Loan is short funds for reserves. Missing evidence that gift funds were deposited with the title company or the Borrower. |  | Reviewer Comment (2022-08-31): Received | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26548318 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 631 is less than Guideline representative FICO score of 680. | Gudielines reqire a minimum score of 680 for a First Time home Buyer. Loan file contains investor exception request; however, the compensating factors are incorrect. Borrower's reserves do not exceed the guideline minimum by 2 months or more. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-31): Waived with compensating factors per investor request. |  |  | 08/31/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26651637 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan was approved as a bank statement loan; however, the loan file contains the borrower's 2020 and 2021 tax transcripts, which reflect negative income of $1,435 annually for 2021 and positive income of $5,484 for 2020, and does not support the bank statement income used at origination. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-30): The client elects to waive. |  |  | 08/30/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | 26651850 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Loan file is missing evidence the gift funds were transferred to borrower prior to closing or settlement agent at closing. |  | Reviewer Comment (2022-08-31): Received | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775308 | xxxxxx | 26552568 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-28): UDM received<br>Reviewer Comment (2022-09-22): Received fraud report instead of gap credit report. Please provide a gap credit report. Exception remains.<br>Reviewer Comment (2022-09-16): Received duplicate credit report dated xxxxxx To clear this condition we need a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Exception remains. | 09/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775308 | xxxxxx | 26553410 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-08-25): Client elects to waive |  |  | 08/25/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775308 | xxxxxx | 26651950 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-09-16): Approval received. Exception Cleared. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775308 | xxxxxx | 26656978 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per guidelines for the full documentation program, tax returns are required to be signed and dated. The 1120s return provided is not signed or dated as required. |  | Reviewer Comment (2022-09-29): Exception cleared received executed 1120s return<br>Reviewer Comment (2022-09-27): Received same 1120S. The document is signed but not dated by the borrower. Please provide a signed and dated 1120S. Exception remains.<br>Reviewer Comment (2022-09-22): Received same 1120S. The document is signed but not dated. Please provide a signed and dated 1120S. Exception remains.<br>Reviewer Comment (2022-09-19): 1120s document signed but not dated. As per guidelines, we require document to be signed and dated both. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | 26539445 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-09-07): Tax Certificate received. Exception Cleared.<br>Reviewer Comment (2022-08-29): Document requested is for the subject property | 09/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | 26539584 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. |  | The appraisal reflects the occupant as Owner; however, the loan was approved as an Investment property. |  | Reviewer Comment (2022-09-19): Updated appraisal received<br>Reviewer Comment (2022-09-07): The appraisal provided is a different appraisal completed by a different appraiser that was not in file at time of review. The new appraisal with a completion date of xxxxxx by xxxxxx needs to be updated. | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | 26540131 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The letter of explanation from the borrower regarding property located on xxxxxx s the borrower owns this property and it is land only. Although the property is land only, the property is required to be included in the REO liabilities and the taxes and insurance (if applicable) are required to be included in the DTI. This property was not included the REO liabilities and taxes and insurance (if applicable) is required to be documented. |  | Reviewer Comment (2022-10-17): Updated 1003/1008 provided adding in land property as well as tax bill for land property.<br>Reviewer Comment (2022-10-13): 1008 is provided in file. However, 1003 is not found in file. Provide the updated 1003 adding in the property/liability. Exception Remains.<br>Reviewer Comment (2022-10-03): The same comments and documentation provided were already received. Provide the updated 1008/1003 adding in the property/liability.<br>Reviewer Comment (2022-09-30): Tax cert provided. Please see comments from xxxxxx Provide the updated 1008/1003 adding in the property/liability.<br>Reviewer Comment (2022-09-07): The UW LOE is not acceptable. We will need an updated 1003/1008 adding back that property as well as the property profile report/tax cert verifying the actual taxes on the property. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | 26540380 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 58.17043% exceeds Guideline total debt ratio of 50.00000%. | The guidelines allow a maximum DTI of 50%. The increase in DTI is due to the Lender used the old PITIA to calculate the net rental income for the subject property resulting in Negative Cash Flow; however, using the subject loan PITIA the actual Negative Cash Flow is $5,109.17. In addition, the Lender used a positive income of $2,203.50 for the rental property located at on xxxxxx which did not account for the PITIA for the property; however, when including the PITIA the actual income is a Negative Cash Flow. |  | Reviewer Comment (2022-10-27): Verus elected to use post-close income documentation.<br>Reviewer Comment (2022-10-13): The Work Number is dated post closing and not acceptable to utilize for addition of income. Further, the document only reflects receipt of Other income (which is the commissions income) for < 2 years and would not be able to be utilized in any instance due to lack of 2 years receipt.<br>Reviewer Comment (2022-10-10): The property going under extensive repairs has no bearing on this condition. The guidelines require the most recent tax returns Schedule E to be utilized for rental income qualification. The repairs were not deducted from the Schedule E for one time repairs.<br>Reviewer Comment (2022-10-03): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 57.71506% exceeds Guideline total debt ratio of 50.00000%.<br>Reviewer Comment (2022-08-29): Investor must approve all exceptions | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | 26540464 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file contains a FACTA Credit Score Disclosure; however, the disclosure is not dated. |  | Reviewer Comment (2022-08-25): client elects to waive |  |  | 08/25/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | 26793902 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 88.23529% exceeds Guideline loan to value percentage of 75.00000%. | Post review, the seller provided another appraisal completed by a different appraiser with a lower value > 10% between appraisals. The lower value must be utilized for securitization. |  | Reviewer Comment (2022-10-27): An Attestation from the Lender that the first appraisal contained significant errors which impacted the quality and the appraisal was uploaded in error. There was another appraisal in the file that was used for this transaction.<br>Reviewer Comment (2022-10-13): The comments do not clear this condition. Due to securitization requirements, the lower appraisal must be utilized due to value is > 10% from the additional appraisal provided.<br>Reviewer Comment (2022-09-19): Client requested re-review to 6.2022 lender guidelines. xxxxxx NOO, Full Doc, 10% between appraisals. The lower value must be utilized for securitization.<br>Reviewer Comment (2022-09-08): The investor advised the DD to review to 7.2022 which must be adhered to. If the investor needs this loan re-underwritten to a different set of guidelines, please have them email DD management. | 10/27/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | 26853988 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-09-19): Client elects to waive |  |  | 09/19/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | 26853989 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-19): Client elects to waive |  |  | 09/19/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | 27063942 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verus elected to use post-close income documentation. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-27): The client elects to waive. |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775866 | xxxxxx | 26602081 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount shortage of $16,350. Please provide Sufficient coverage or an RCE. |  | Reviewer Comment (2022-09-08): RCE Received. Exception Cleared.<br>Reviewer Comment (2022-09-01): Cannot find updated HOI. Please upload. Exception remains. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775866 | xxxxxx | 26602446 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  | Reviewer Comment (2022-08-29): Client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775866 | xxxxxx | 26602449 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Grace Period Testing | California Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2022-08-29): Client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775866 | xxxxxx | 26602450 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Percent Testing | California Late Charge: Note late charge of 10.00000% exceeds state maximum of 6% or $5, whichever is greater. |  |  | Reviewer Comment (2022-08-29): Client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775667 | xxxxxx | 26554214 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different lender than what is on the note. |  | Reviewer Comment (2022-08-26): Client elects to waive |  |  | 08/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775667 | xxxxxx | 26554215 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-08-26): Client elects to waive |  |  | 08/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775667 | xxxxxx | 26554218 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file is missing a copy of the initial Closing Disclosure. |  | Reviewer Comment (2022-08-31): SitusAMC Received Initial CD dated xxxxxx . | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775667 | xxxxxx | 26554347 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 657 is less than Guideline representative FICO score of 660. |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-08-29): Client elects to waive with verified compensation factors |  |  | 08/29/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776295 | xxxxxx | 26603157 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2022-09-01): HOA questionnaire provided | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776295 | xxxxxx | 26606853 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-29): Client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776085 | xxxxxx | 26600512 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.73718% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.73718%). |  |  | Reviewer Comment (2022-08-29): Client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776085 | xxxxxx | 26674368 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $265.15 exceeds tolerance of $262.00. Insufficient or no cure was provided to the borrower. (8304) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-09-12): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2022-09-08): SitusAMC Cure required is $3.15 from which $3.00 was already provided we just need another refund check of $0.15 along with corrected PCCD which shows total cure provided $3.15, and a LOE to the borrower.<br>Reviewer Comment (2022-09-07): SitusAMC No New document received for review. Please provide additional Cure $0.15 with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check or provide evidence that the fee amount $0.15 rounded of in LE to cure this exception. Exception remains.<br>Reviewer Comment (2022-09-06): SitusAMC upon further review there is no worksheet available in the file to clear this exception. Please upload the related docs for cure or proof of rounding off amount.<br>Reviewer Comment (2022-09-02): SitusAMC Trailing docs did not contain any docs to clear this exception. Please upload the revised docs for cure or proof of rounding off amount.<br>Reviewer Comment (2022-09-01): Situs AMC received corrected PCCD, LOE copy of refund check of $3 and proof of mailing. However Transfer Taxes increased from $262 to $265.15, cure required is $3.15. Please provide additional cure of $0.15 or incase if the fee of rounded of in LE provide proof of the same (Snip oy system). |  | 09/12/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771756 | xxxxxx | 26606762 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  |  | Reviewer Comment (2022-08-23): Sufficient Cure Provided At Closing |  | 08/23/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775834 | xxxxxx | 26601073 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete |  | The guidelines require any VOR completed by a private party or any non-institutional xxxxxx must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). Further, guidelines require FTHB to document a 0x30x12 housing history. The file contains copies of 3 cancelled checks and a letter of explanation that the borrower previously paid rent in cash. The full 12 months of alternative documentation was not provided as required by the guidelines. The file contains an Investor exception. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-08-29): Waived with compensating factors per investor exception request in file. |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775834 | xxxxxx | 26601689 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-08-29): client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775834 | xxxxxx | 26601690 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.73780% or Final Disclosure APR of 7.77400% is in excess of allowable threshold of APOR 5.61% + 1.5%, or 7.11000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation |  | Reviewer Comment (2022-09-01): Received appraisal email | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775834 | xxxxxx | 26601694 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-09-01): Received appraisal email | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775834 | xxxxxx | 26601720 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx |  |  | Reviewer Comment (2022-09-08): Final stamped SS received verifying disbursement date of xxxxxx<br>Reviewer Comment (2022-09-07): Final Settlement Statement not in file. Please try Re-Uploading. Exception Remains.<br>Reviewer Comment (2022-09-02): Please provided the Final Settlement Statement that is stamped and/or signed by the title agent for evidence of the disbursement date.<br>Reviewer Comment (2022-09-01): CD provided shows Disbursement date of xxxxxx , but CD provided is not executed . Please provide executed CD (signed & dated by borrowers) Exception Remains | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775834 | xxxxxx | 26601745 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-02): Evidence the red flags were addressed was provided. | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | 26647719 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-09-09): Appraisal license provided with start date<br>Reviewer Comment (2022-09-07): Appraiser's license should be active at the time of appraisal. Effective date of license is after the appraisal date. Exception Remains. | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | 26647786 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-08-30): client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | 26647787 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.51019% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .51019%). |  |  | Reviewer Comment (2022-08-30): client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | 26647789 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  | Reviewer Comment (2022-08-30): client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | 26702669 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-30): client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | 26702670 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.69780% or Final Disclosure APR of 9.82900% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-13): Appraisal delivery received<br>Reviewer Comment (2022-09-09): The document requested was not provide. The Acknowledgement of Fair Market Value does not clear this condition. Provide evidence the appraisal was delivered to the borrower within 3 business days prior to consummation. | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | 26702671 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-13): Appraisal delivery received<br>Reviewer Comment (2022-09-09): The document requested was not provide. The Acknowledgement of Fair Market Value does not clear this condition. Provide evidence the appraisal was delivered to the borrower within 3 business days prior to consummation. | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | 26702672 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  | Reviewer Comment (2022-09-16): Received Texas Cash-out Fair Market Acknowledgment Signed By Lender. Hence Exception cleared.<br>Reviewer Comment (2022-09-14): Document provided executed by the lender is on the same form the borrower signed which was not executed. The lender executed the document post closing. Provide the LOE to borrower and evidence of delivery of the signed disclosure to borrower to cure.<br>Reviewer Comment (2022-09-14): Document was not provided in trailing documents. Please try uploading again.<br>Reviewer Comment (2022-09-13): Document was not provided in trailing documents. Please try uploading again.<br>Reviewer Comment (2022-09-09): Document provided is not executed by the lender. If executed post closing, will need evidence of delivery and LOE to borrower of the lender executed document to cure. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775704 | xxxxxx | 26641013 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Requied. |  | Reviewer Comment (2022-09-02): UDM was provided.<br>Reviewer Comment (2022-09-02): Received UDM report. However, to clear the exception and as per guidelines, we need a Credit Gap report. Please provide a relevant Credit Gap report which is within 10 days of note date xxxxxx Exception remains. | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775704 | xxxxxx | 26641191 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate did not include Apt no. on the address |  | Reviewer Comment (2022-09-08): Updated flood cert provided | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775704 | xxxxxx | 26641202 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | All Red Flags should be cleared. |  | Reviewer Comment (2022-09-06): Received<br>Reviewer Comment (2022-09-02): Nothing was found in the trailing docs.<br>Reviewer Comment (2022-09-02): No trailing docs received. Please provide a relevant fraud report addressing all the red flags. Exception remains.<br>Reviewer Comment (2022-09-01): No trailing documents received. Exception remains. | 09/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775704 | xxxxxx | 26641299 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-30): client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775704 | xxxxxx | 26641300 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Amount of Non-Escrowed Property Costs over Year 1. (Final xxxxxx) | Did not not disclosed any amount on final CD provided on xxxxxx |  | Reviewer Comment (2022-08-30): Client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776367 | xxxxxx | 26645309 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Must cover, at minimum, the loan amount. Provide the RCE. |  | Reviewer Comment (2022-09-13): RCE Received. Exception Cleared. | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 776367 | xxxxxx | 26686036 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note and DOT both contain Balloon Riders. The guidelines do not allow Balloon Loans. |  | Reviewer Comment (2022-10-27): The corrected documents were provided.<br>Reviewer Comment (2022-10-17): Received the correct and re-executed Note + Riders, DOT + Riders, LOE to borrower, LOI, delivery evidenced by execution. Pending receipt of correct PC-CD removing balloon. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 775742 | xxxxxx | 26645513 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount Shortage of $449,300.00 Provide updated sufficient coverage. |  | Reviewer Comment (2022-09-08): RCE received. Exception Cleared. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775742 | xxxxxx | 26645722 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-30): Client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775742 | xxxxxx | 26645723 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.79490% or Final Disclosure APR of 9.79500% is in excess of allowable threshold of APOR 5.61% + 2.5%, or 8.11000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-02): Appraisal delivery provided<br>Reviewer Comment (2022-09-23): The same rebuttal was provided that was previous rejected. Origination appraisal with a completion date of xxxxxx and updated appraisal with a completion date of xxxxxx in file. Appraisal delivery letter dated xxxxxx Utilizing mailbox rule, origination appraisal received xxxxxx The E-Consent provided as a screen shot on the lender rebuttal word doc only specifics the appraisal delivery letter was sent vs. the actual updated appraisal. We need evidence that the updated appraisal was delivered to the borrower.<br>Reviewer Comment (2022-09-14): Origination appraisal with a completion date of xxxxxx and updated appraisal with a completion date of xxxxxx in file. Appraisal delivery letter dated xxxxxx Utilizing mailbox rule, origination appraisal received xxxxxx The E-Consent provided as a screen shot on the lender rebuttal word doc only specifics the appraisal delivery letter was sent vs. the actual updated appraisal. We need evidence that the updated appraisal was delivered to the borrower. | 10/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775742 | xxxxxx | 26645724 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-14): Origination appraisal delivery provided | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775742 | xxxxxx | 26645725 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | Missing Seller Closing Disclosure. |  | Reviewer Comment (2022-09-15): SitusAMC received Seller CD | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775742 | xxxxxx | 26645731 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $207.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-09-26): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2022-09-15): SItusAMC received LOX with Lender rebuttal response, which indicates "Need PCCD and cure $207 for the Recording fee". However, file does not received any cure documents in order to reevaluate this exception. Provide Cure documents with consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check to cure this exception. |  | 09/26/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775742 | xxxxxx | 26700413 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Please provide tax certificate for subject property. Title commitment provided does not reflect current year taxes. |  | Reviewer Comment (2022-09-02): Tax Certificate provided. Exception Cleared. | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775742 | xxxxxx | 26700466 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $85.50 exceeds tolerance of $62.00. Insufficient or no cure was provided to the borrower. (7520) | Zero percent fee tolerance exceeded. The CoC form provided does not indicate a valid reason for this fee increase, just states that it was increased. |  | Reviewer Comment (2022-09-26): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2022-09-15): SItusAMC received LOX with Lender rebuttal response, which indicates "Need PCCD and cure $23.50 for the Credit report fee increased". However, file does not received any cure documents in order to reevaluate this exception. Provide Cure documents with consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check to cure this exception. |  | 09/26/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775742 | xxxxxx | 26827409 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-02): Client elects to waive |  |  | 10/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775742 | xxxxxx | 26827410 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-10-02): Appraisal delivery provided<br>Reviewer Comment (2022-09-23): The same rebuttal was provided that was previous rejected. Origination appraisal with a completion date of xxxxxx and updated appraisal with a completion date of xxxxxx in file. Appraisal delivery letter dated xxxxxx Utilizing mailbox rule, origination appraisal received xxxxxx The E-Consent provided as a screen shot on the lender rebuttal word doc only specifics the appraisal delivery letter was sent vs. the actual updated appraisal. We need evidence that the updated appraisal was delivered to the borrower.<br>Reviewer Comment (2022-09-16): The same same document was provided that was previously rejected. See comments from 9/14: Origination appraisal with a completion date of xxxxxx and updated appraisal with a completion date of xxxxxx in file. Appraisal delivery letter dated xxxxxx Utilizing mailbox rule, origination appraisal received xxxxxx The E-Consent provided as a screen shot on the lender rebuttal word doc only specifics the appraisal delivery letter was sent vs. the actual updated appraisal. We need evidence that the updated appraisal was delivered to the borrower.<br>Reviewer Comment (2022-09-14): Origination appraisal with a completion date of xxxxxx and updated appraisal with a completion date of xxxxxx in file. Appraisal delivery letter dated xxxxxx Utilizing mailbox rule, origination appraisal received xxxxxx The E-Consent provided as a screen shot on the lender rebuttal word doc only specifics the appraisal delivery letter was sent vs. the actual updated appraisal. We need evidence that the updated appraisal was delivered to the borrower. | 10/02/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773433 | xxxxxx | 26645325 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | The Credit Report dated xxxxxx is more than 90 days prior to the Note Date of xxxxxx . | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-23): Client elects to waive with verified compensation factors |  |  | 09/23/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773433 | xxxxxx | 26647270 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing Document providing date of when the Borrower received a copy of the Appraisal for the timing requirements. Documentation was not provided that the Borrower received a copy of the Appraisal within the 3 days prior to consummation or waived the timing requirements. |  | Reviewer Comment (2022-08-30): Client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773433 | xxxxxx | 26647271 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) | Missing Document providing date of when the Borrower received a copy of the Appraisal for the timing requirements. Documentation was not provided that the Borrower received a copy of the Appraisal within the 3 days prior to consummation or waived the timing requirements. |  | Reviewer Comment (2022-08-30): client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773433 | xxxxxx | 26647272 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 9.29737% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 4.29737%). |  |  | Reviewer Comment (2022-08-30): Client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 773433 | xxxxxx | 26685363 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-23): Gap report provided | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773433 | xxxxxx | 26685387 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-22): Received fraud report addressing all the red flags. Exception cleared. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | 26645390 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-08): Received Credit Gap dated xxxxxx Document attached. Exception cleared.<br>Reviewer Comment (2022-09-07): No new documents uploaded xxxxxx Please try uploading again. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | 26647034 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 597 is less than Guideline representative FICO score of 600. | The xxxxxx require a minimum credit score of 600. The loan closed with a score of 597. The file contains an Investor Exception; however, compensating factors are incorrect. The borrower's reserves do not exceed the 3 month requirement by 10 months or more. | The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-07): No new documents uploaded xxxxxx Please try uploading again. |  |  | 09/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | 26647043 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.66928% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.66928%). |  |  | Reviewer Comment (2022-08-30): Client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | 26647044 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  | Reviewer Comment (2022-08-30): Client elects to waive |  |  | 08/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | 26647045 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $91.00 exceeds tolerance of $86.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2022-08-24): Sufficient Cure Provided At Closing |  | 08/24/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | 26647066 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-16): Received fraud report dated xxxxxx addressing all red flags. Exception cleared. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | 26703166 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx i, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx,xxxxxx i Account Statements<br> Account Statements<br> Account Statements | Guidelines for rental income under the bank statement program require evidence of the 2 months' most recent rent for each REO, deposited into an account other than that used for income qualifying. Please provide evidence of the 2 months' most recent rental payments for the REOs on xxxxxx, xxxxxx and xxxxxx. |  | Reviewer Comment (2022-09-09): Bank statements reflecting rent for all three REO propertes were provided. | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774905 | xxxxxx | 26685751 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Only the clearance report was provided. Provide the full Fraud report. |  | Reviewer Comment (2022-09-01): Fraud Report received , Exception Cleared | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 774905 | xxxxxx | 26685800 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Provide the unexpired VISA. Must be valid within 6 months of application and closing, or else additional requirements per 4.3.1.3 will be required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-01): Employment Authorization card received which is already available in file , Please provide unexpired VISA which should be valid within 6 months of application and closing date. Exception Remains |  |  | 09/19/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 774905 | xxxxxx | 26685901 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The lease is transferring per the purchase contract. Provide the lease agreement. |  | Reviewer Comment (2022-09-02): Lease agreement Received. Exception Cleared.<br>Reviewer Comment (2022-09-01): Lease agreement not received, Exception Remains | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775983 | xxxxxx | 26650401 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | Borrower must obtain an HO-6 Policy or<br> "walls-in" coverage. per guideline. |  | Reviewer Comment (2022-09-07): HO-6 Received. Exception Cleared. | 09/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775983 | xxxxxx | 26650559 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-29): Client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775983 | xxxxxx | 26650561 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.82067% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.82067%). |  |  | Reviewer Comment (2022-08-29): Client elects to waive |  |  | 08/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775983 | xxxxxx | 26650566 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $825.00 exceeds tolerance of $715.00. Insufficient or no cure was provided to the borrower. (8304) | Zero Percent Fee Tolerance exceeded |  | Reviewer Comment (2022-10-12): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-10-12): See comments from xxxxxx The mailing label with delivery confirmation provided was for the $137 refund. The seller needed to refund an additional $0.95. The mailing label provided for that one still shows the label was just created and not picked up or delivered.<br>Reviewer Comment (2022-09-30): SitusAMC received proof of delivery for $137 refund check. However, for the check of $0.95 USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing for $0.95 check is required to cure.<br>Reviewer Comment (2022-09-16): SitusAMC received tracking details which is showing label created however, it has not been picked up for shipping. Proof of mailing is required to cure.<br>Reviewer Comment (2022-09-14): SitusAMC received corrected PCCD, LOE, copy of refund check of $137 and $0.95, Proof of mailing is received only for $137 check. Please provide proof of mailing for check of $0.95 to cure the exception.<br>Reviewer Comment (2022-09-09): SitusAMC received corrected PCCD, copy of refund check and proof of mailing however, copy of check provided is of $137 and PCCD has cure amount of $137.95 so $0.95 is still short. Also, LOE is missing in the file instead COC dated xxxxxx is there in the docs. Please provide copy of check for remaining amount and LOE to cure this exception. |  | 10/12/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775983 | xxxxxx | 26683554 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Fee. Fee Amount of $27.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (81745) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-10-12): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-10-12): See comments from xxxxxx The mailing label with delivery confirmation provided was for the $137 refund. The seller needed to refund an additional $0.95. The mailing label provided for that one still shows the label was just created and not picked up or delivered.<br>Reviewer Comment (2022-09-30): SitusAMC received proof of delivery for $137 refund check. However, for the check of $0.95 USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing for $0.95 check is required to cure.<br>Reviewer Comment (2022-09-16): SitusAMC received tracking details which is showing label created however, it has not been picked up for shipping. Proof of mailing is required to cure.<br>Reviewer Comment (2022-09-14): SitusAMC received corrected PCCD, LOE, copy of refund check of $137 and $0.95, Proof of mailing is received only for $137 check. Please provide proof of mailing for check of $0.95 to cure the exception.<br>Reviewer Comment (2022-09-09): SitusAMC received corrected PCCD, copy of refund check and proof of mailing however, copy of check provided is of $137 and PCCD has cure amount of $137.95 so $0.95 is still short. Also, LOE is missing in the file instead COC dated xxxxxx is there in the docs. Please provide copy of check for remaining amount and LOE to cure this exception. |  | 10/12/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774644 | xxxxxx | 26650799 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-08-31): CLient elects to waive |  |  | 08/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774644 | xxxxxx | 26650801 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | RESPA Homeownership Counseling List is not signed and dated by borrower |  | Reviewer Comment (2022-08-31): Client elects to waive |  |  | 08/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774644 | xxxxxx | 26651082 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Missing rate lock |  | Reviewer Comment (2022-08-31): Client elects to waive |  |  | 08/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774644 | xxxxxx | 26651107 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | Loan file contains final CD dated xxxxxx , signed by borrowers on xxxxxx ; however, Security Instrument provided is dated xxxxxx . Please provide all CDs dated prior to consummation date of xxxxxx for subject loan. |  | Reviewer Comment (2022-09-02): Received initial CD. | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774644 | xxxxxx | 26715730 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 675 is less than Guideline representative FICO score of 680. | Minimum credit score for a purchase of a primary residence under xxxxxx at 90% LTV is 680. Subject loan was approved with a 675 FICO. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-01): Client elects to waive with verified compensation factors |  |  | 09/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774644 | xxxxxx | 26793168 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7522) | Sufficient cure provided at closing. |  | Reviewer Comment (2022-09-07): Sufficient Cure Provided At Closing |  | 09/07/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774728 | xxxxxx | 26681818 | xxxxxx | xxxxxx | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 24 months. | Borrower: xxxxxx xxxxxx Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx Statement Period Months provided: 15, | Missing June 2021 through Feb 2021 Bank Statements for xxxxxx ending in 2269 | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-08): The lender cannot provide additional statements to meet the 24 month requirement. Investor to consider waiving.<br>Reviewer Comment (2022-09-06): This condition is in reference to the xxxxxx business account ending in 2269. Please provide Feb 2021- June 2021 to complete the required 24 months of bank statements.<br>Reviewer Comment (2022-09-02): This for the 24 months bank statements for the income. Feb 2021- June 2021 are all missing. |  |  | 09/13/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774728 | xxxxxx | 26721697 | xxxxxx | xxxxxx | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # Months of Bank Statements required. | Borrower: xxxxxx xxxxxx Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx # of Months Bank Statements Required: 24; Statement Period Months provided: 23 | Loan was approved as a 24 month bank statement program; however, only 23 months provided for account 2087. Please provide additional statement. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-08): Please see comments from xxxxxx This conditions is not pertaining to rental history. This is pertaining to the bank statements provided for account #xxxxxx utilized for income. 24 months statements are required and only 23 months were provided.<br>Reviewer Comment (2022-09-06): This condition is stating we are missing a statement for account 2087. Only 23 statements were provided for income and 24 are required. Please provide the 24th statement for account ending 2087. |  |  | 09/13/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774728 | xxxxxx | 26721804 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines for a non-arms length transaction, in which borrower is purchasing from their current xxxxxx, 24 months canceled checks are required to document rental history. Loan file only contains 18 of the required 24 months. The following months are required and missing: xxxxxx 21, xxxxxx 21, xxxxxx, xxxxxx, xxxxxx and xxxxxx. |  | Reviewer Comment (2022-09-08): Received cancelled checks for the month of xxxxxx , xxxxxx , 2/22, 3/22, xxxxxx & xxxxxx Documents attached. Exception cleared.<br>Reviewer Comment (2022-09-06): reviewed documents provided. We need actual evidence of the xxxxxx 21, xxxxxx 21, 2/2022, 3/2022, 5/2022 and 6/2022 payments to clear this condition. Please upload just these documents once they are received. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776578 | xxxxxx | 26673050 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2022-09-01): Client elects to waive |  |  | 09/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776578 | xxxxxx | 26735918 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Subject is a purchase transaction. Please provide deed signed at closing transferring ownership to our borrower from seller, along with intraspousal transfer deed, as borrower took title as married, sole and separate property. |  | Reviewer Comment (2022-09-02): The Deeds were provided. | 09/02/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776578 | xxxxxx | 26739442 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Guidelines for the WVOE program require an LOE from borrower for any employer listed on the credit report that is not the employer listed on the WVOE used for income qualifying. Credit report provided reflects multiple employers that do not match the employer on the WVOE and the required LOE was not provided. |  | Reviewer Comment (2022-09-02): An LOE from the borrower was in the file | 09/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26669341 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-09-23): Received drive report with all the variances cleared. Exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26669646 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | File is missing evidence of the sale of the departing primary residence, which were the assets being used for the subject transaction. The CD provided is not a complete copy and it is not signed or dated. |  | Reviewer Comment (2022-09-23): Final CD provided for sale of departure residence on xxxxxx . Borrower now has sufficient reserves. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26669660 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-31): Client elects to waive |  |  | 08/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26669665 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.07235% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.07235%). |  |  | Reviewer Comment (2022-08-31): Client elects to waive |  |  | 08/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26669669 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-08-31): Client elects to waive |  |  | 08/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26669675 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.00170% or Final Disclosure APR of 8.03900% is in excess of allowable threshold of Prime Mortgage Market Rate 5.78000 + 1.75%, or 7.53000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-08-31): Client elects to waive |  |  | 08/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26669720 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $5,393.06 is less than Cash From Borrower $184,224.76. | File is missing evidence of the sale of the departing primary residence, which were the assets being used for the subject transaction. The CD provided is not a complete copy and it is not signed or dated. |  | Reviewer Comment (2022-09-21): Seller CD provided. Refer doc id # D0227. Hence, exception cleared. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26671838 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 90.62287% exceeds Guideline total debt ratio of 50.00000%. | Final 1003 reflects borrower's current primary residence is pending sale; however, loan file does not contain any documentation reflecting it was sold prior to subject loan consummation date. Please provide documentation that former primary was sold. Including payment in borrower's debt obligations, DTI exceeds guideline maximum of 50%. |  | Reviewer Comment (2022-09-23): Final CD provided for sale of departure residence on xxxxxx . DTI is now within guidelines. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26671861 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-09-23): Final CD provided for sale of departure residence on xxxxxx . DTI is now within guidelines. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26719455 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-09-23): Final CD provided for sale of departure residence on xxxxxx . DTI is now within guidelines. | 09/23/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26719456 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 90.62287% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Final 1003 reflects borrower's current primary residence is pending sale; however, loan file does not contain any documentation reflecting it was sold prior to subject loan consummation date. Please provide documentation that former primary was sold. Including payment in borrower's debt obligations, DTI exceeds guideline maximum of 50%. |  | Reviewer Comment (2022-09-23): Final CD provided for sale of departure residence on xxxxxx . DTI is now within guidelines. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26719457 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2022-08-31): Client elects to waive |  |  | 08/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | 26719458 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of $655.12 is less than AUS required disposable income of $1,250.00. |  |  | Reviewer Comment (2022-09-23): Final CD provided for sale of departure residence on xxxxxx . Residual income not within guidelines. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26837790 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing Fraud Report. |  | Reviewer Comment (2022-09-28): Received drive report dated xxxxxx clearing all the red flags. Exception cleared. | 09/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26839868 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  | Reviewer Comment (2022-09-29): 1008 w/ UW name provided | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26839878 | xxxxxx | xxxxxx | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing 1003 initial application. |  | Reviewer Comment (2022-09-28): Received 1003 Initial Application signed and dated by both the borrowers | 09/28/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26839895 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Missing purchase contract. |  | Reviewer Comment (2022-09-28): Received Purchase Contract Executed by buyer and seller. | 09/28/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26839955 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification, Other, Tax Verification<br> Insurance Verification, Other, Tax Verification<br> Insurance Verification, Other, Tax Verification | Missing tax verification, insurance verification and a proof of xxxxxx for property addresses xxxxxx. xxxxxx and xxxxxx |  | Reviewer Comment (2022-09-29): REO documents received<br>Reviewer Comment (2022-09-29): Exception Remains : Only Hazard Insurance document for property xxxxxx is pending .<br>Received : Tax Verification and insurance Verification for xxxxxx. and xxxxxx | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26839966 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. | Borrower: xxxxxx xxxxxx employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx | An LOE was not provided in file for the large deposit on the account ending #5860. |  | Reviewer Comment (2022-09-30): Source documents provided | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26840030 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Loan file is missing rate lock agreement. |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26840031 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeownership counseling organization list was not provided to the borrowers. |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26840033 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement service provider list was not provided in file. |  | Reviewer Comment (2022-09-30): SitusAMC received SSPL dated xxxxxx . | 09/30/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26840034 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of xxxxxx exceeds tolerance of xxxxxx plus 10% or xxxxxx. Insufficient or no cure was provided to the borrower. xxxxxx | Ten percent tolerance exceeded. |  | Reviewer Comment (2022-09-30): SitusAMC received SSPL dated xxxxxx .<br>Reviewer Comment (2022-09-28): SitusAMC received Mavent report. The file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26840035 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7713) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-10-05): SitusAMC received Post CD, LOX ,Proof of mailing and copy of refund check. |  | 10/05/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | 26840036 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7727) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-09-30): SitusAMC received SSPL dated xxxxxx .<br>Reviewer Comment (2022-09-28): SitusAMC received Mavent report. The file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services. | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776018 | xxxxxx | 26675209 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-02): Client elects to waive |  |  | 09/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776018 | xxxxxx | 26747064 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Missing appraisal transfer letter. |  | Reviewer Comment (2022-09-02): Client elects to waive |  |  | 09/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26674549 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-08): Received<br>Reviewer Comment (2022-09-08): Provided FraudGuard instead of credit gap report. Please provide Credit Gap Report which is within 10 days of note date or after closing date. Exception remains. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26681786 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.99170% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.99170%). |  |  | Reviewer Comment (2022-09-02): Client elects to waive |  |  | 09/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26681787 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | Zero Percent Fee Tolerance exceeded |  | Reviewer Comment (2022-09-22): SitusAMC Received PCCD, LOE, Refund Check and proof of mailing.<br>Reviewer Comment (2022-09-13): SitusAMC Received PCCD, LOE, Copy of check however the proof of mailing is missing. Please provide the proof of mailing to cure the exception. |  | 09/22/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26681788 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $81.40 exceeds tolerance of $41.00. Insufficient or no cure was provided to the borrower. (7571) | Zero Percent Fee Tolerance exceeded |  | Reviewer Comment (2022-09-22): SitusAMC Sufficient Cure provided at closing.<br>Reviewer Comment (2022-09-13): SitusAMC Received LOX stating that the cure was given at closing. We are awaiting the proof of mailing for the chack for the remaining cure for $92.70. Once we receive the proof of mailing, we can clear both the exception.<br>Reviewer Comment (2022-09-08): SitusAMC has not received LOX a xxxxxx report is provided, however a valid COC with sufficient information is required for increase of Verification of Employment fee on CD dated xxxxxx or cure is due to borrower. In addition cure provided at closing is insufficient to cure both Appraisal desk Review Fee and Verification of employment fee. Exception to be cleared on resolution of Appraisal desk Review Fee or a Valid COC is required. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26747311 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per guidelines, any gaps of employment one month or longer must be explained. Borrower had a 77 day gap in employment and LOE was not provided as required. |  | Reviewer Comment (2022-09-13): Exception Cleared received letter from borrower explaining the gap in employment | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26747340 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-08): Received<br>Reviewer Comment (2022-09-08): Received 1 page fraud guard report. Please provide fully executed fraud report. Exception remains.<br>Reviewer Comment (2022-09-07): No trailing docs received. The fraud report (Fraud Guard) dated xxxxxx has red flags that are open and are not addressed. Please provide a new fraud report with all the red flags addressed. Exception remains. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26747347 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-09-02): Client elects to waive |  |  | 09/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26747348 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-02): Client elects to waive |  |  | 09/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26747349 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.46270% or Final Disclosure APR of 10.49100% is in excess of allowable threshold of APOR 5.06% + 2.5%, or 7.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-09): Appraisal delivery provided. Verbiage states all appraisals delivered and when. | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | 26747350 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-09): Appraisal delivery provided. Verbiage states all appraisals delivered and when. | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777269 | xxxxxx | 26690456 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-15): Received UDM report dated xxxxxx Document attached. Exception cleared. | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777269 | xxxxxx | 26694070 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-09-15): Hoi received and reflecting 100% replacement cost coverage for xxxxxx. Exception Cleared | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777269 | xxxxxx | 26750509 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Guidelines for the Champions A+ program require a 0x30x24 housing history. Loan file contains 16 months canceled checks; however, 24 months are required. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-15): Received duplicate bank statements for the month of March and April 2022. As per guidelines need 24 months housing history. However we have cancelled checks for 16 months from xxxxxx to xxxxxx Missing canceled checks for the month of 8/20, xxxxxx , 2/22, 3/22, xxxxxx Bank statement reflects payment for the month of March and April 2022 but need canceled checks to verify the same. Exception remains. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777269 | xxxxxx | 26753284 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-15): Received mortgage statement for xxxxxx reflecting the borrower owning the property. All red flags are addressed. Exception cleared. | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777264 | xxxxxx | 26674697 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final Application is missing Lender Loan Information Section. |  | Reviewer Comment (2022-09-27): All 8 pages of the Final 1003 were provided<br>Reviewer Comment (2022-09-27): The same document was provided that was previously rejected. The application provided is not executed. Provide the executed application with all pages.<br>Reviewer Comment (2022-09-26): The application provided is not executed. Provide the executed application with all pages.<br>Reviewer Comment (2022-09-19): Please provide all the pages of Final 1003 which includes Lender Loan Information section, Exception Remains<br>Reviewer Comment (2022-09-16): Exception remains lender information is still missing on the 1003 | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777264 | xxxxxx | 26675227 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-16): Received 3 UDM reports dated xxxxxx xxxxxx xxxxxx As per guidelines, 'A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process and must be within 10 business days of note date xxxxxx . Please provide the same. Exception remains. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777264 | xxxxxx | 26675513 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 month housing history for departing residence on xxxxxx |  | Reviewer Comment (2022-09-26): Received updated final 1003 marking borrower's current property as "No primary housing expense". Document attached. Exception cleared.<br>Reviewer Comment (2022-09-16): Received processor's cert explaining the borrower was not the owner of the property "xxxxxx" and was not liable to pay the housing expense. However, as per final 1003 the property is marked as own. Provide updated 1003 marking the current property as "No primary housing expense" for borrowers departing primary residence. Exception remains. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777264 | xxxxxx | 26681896 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-09-16): Final Inspection/442 is received. Hence, the condition is cleared. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777264 | xxxxxx | 26681904 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2022-09-16): Received Hazard Insurance policy with Servicer name. Hence exception cleared. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777264 | xxxxxx | 26681941 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Closing Disclosure dated xxxxxx is not signed by Borrower and there is no evidence of receipt in file so 3 day mail rule was followed for delivery. Loan closed on xxxxxx . |  | Reviewer Comment (2022-09-26): Received documentation the initial CD was received on xxxxxx . | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | 26682473 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-09-01): client elects to waive |  |  | 09/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | 26682478 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.81767% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.81767%). |  |  | Reviewer Comment (2022-09-01): Client elects to waive |  |  | 09/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | 26741268 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 56.93370% exceeds Guideline total debt ratio of 50.00000%. | Per credit report provided, borrower has 3 open student loans that do not reflect a monthly payment. Guidelines state if no payment is reflected and no documentation is provided, 1% of the balance is to be used as a monthly payment. Utilizing 1%, DTI exceeds the guideline maximum of 50%. |  | Reviewer Comment (2022-09-16): Lender using estimated monthly payment for student loan repayment plan.<br>Reviewer Comment (2022-09-15): An estimate figure cannot be utilized. We need to utilize the guideline minimum requirement. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | 26741288 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-09-16): Lender using estimated monthly payment for student loan repayment plan. | 09/16/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | 26741289 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-09-16): Lender using estimated monthly payment for student loan repayment plan. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | 26741290 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 56.93370% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | documentation is provided, 1% of the balance is to be used as a monthly payment. Utilizing 1%, DTI exceeds the guideline maximum of 50%. |  | Reviewer Comment (2022-09-16): Lender using estimated monthly payment for student loan repayment plan. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | 26846815 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, student loans that are open without a payment reflected on the credit report are to be calculated at 1% of the balance. Loan file contains estimated repayment plan amount, which was used by the Lender and does not meet guidelines. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-19): Client elects to waive with verified compensation factors |  |  | 09/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776495 | xxxxxx | 26699418 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the Ops Agreement for the Borrowing Entity and the Ops Agreement for the LLC that owns the Borrowing Entity (per EIN). |  | Reviewer Comment (2022-09-20): Ops Agreement provided<br>Reviewer Comment (2022-09-15): Per the original condition, we do not have an Ops Agreement in file. This is going off based on the EIN. Provide the Ops Agreement for the Borrowing Entity. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 776495 | xxxxxx | 26700825 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | For borrower's FICO of 620+, DSCR > 1.00, and loan amount < xxxxxx, max for a C/O transaction is 65%. |  | Reviewer Comment (2022-09-21): Per guidelines, for multiple borrowers, the higher FICO can be utilized. DSCR > 1.00, FICO 660, max LTV is 70%<br>Reviewer Comment (2022-09-15): This loan was reviewed to the xxxxxx matrix provided 7.2022. Condition remains. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 776495 | xxxxxx | 26741098 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-09-08): Flood Certificate received. Exception Cleared. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 776495 | xxxxxx | 26741150 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Borrowers Credit and Background Authorization, the completed Borrower's Contact Sheet (only signed), and the executed Property Management Questionnaire. |  | Reviewer Comment (2022-09-08): Exception is cleared received required Borrowers Credit and Background Authorization, the completed Borrower's Contact Sheet (only signed), and the executed Property Management Questionnaire. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 776495 | xxxxxx | 26741151 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Investment Affidavit. |  | Reviewer Comment (2022-09-09): Received document signed and dated. | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 776495 | xxxxxx | 26741212 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.99 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Minimum DSCR 1.00 when FICO is < 660. Per guidelines, vacant units can only utilize 95% of estimated market rents or a take 5% LTV deduction off the max. Borrower already has an LTV violation, therefore reduced estimated rents on vacant unit. |  | Reviewer Comment (2022-09-15): Lease agreement provided for Unit xxxxxx.<br>Reviewer Comment (2022-09-15): This loan was reviewed to xxxxxx 6.2022 guidelines. Unit xxxxxx is vacant. | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 774019 | xxxxxx | 26702371 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The file contains documentation that the borrower received the appraisal report on xxxxxx ; however, the appraisal report in the file is dated xxxxxx . There is not evidence in the file that the borrower received a copy of the final appraisal report. |  | Reviewer Comment (2022-09-06): Client elects to waive |  |  | 09/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775820 | xxxxxx | 26704835 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 6.07190% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 1.07190%). |  |  | Reviewer Comment (2022-09-06): Client elects to waive |  |  | 09/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745382 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-15): Gap provided | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745595 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. The appraisal delivery notice in file is dated xxxxxx , which is less than 3 business days prior to consummation, and reflects it was sent to the non-borrowing spouse's email. |  | Reviewer Comment (2022-09-08): Client elects to waive |  |  | 09/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745596 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.85940% or Final Disclosure APR of 8.88800% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. The appraisal delivery notice in file is dated xxxxxx , which is less than 3 business days prior to consummation, and reflects it was sent to the non-borrowing spouse's email. |  | Reviewer Comment (2022-09-20): An attestation letter from the borrower as to when the appraisal was received was provided.<br>Reviewer Comment (2022-09-15): The document provided is dated after closing and shows the recert of value was only send. Provide evidence the appraisal was sent to the borrower within 3 business days prior to closing. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745597 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. The appraisal delivery notice in file is dated xxxxxx , which is less than 3 business days prior to consummation, and reflects it was sent to the non-borrowing spouse's email. |  | Reviewer Comment (2022-09-20): An attestation letter from the borrower as to when the appraisal was received was provided.<br>Reviewer Comment (2022-09-15): The document provided is dated after closing and shows the recert of value was only send. Provide evidence the appraisal was sent to the borrower within 3 business days prior to closing. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745598 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.28803% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .28803%). |  |  | Reviewer Comment (2022-09-08): Client elects to waive |  |  | 09/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745599 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-09-08): Client elects to waive |  |  | 09/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745601 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $1,050.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349) | The Extension Fee increased from $0.00 on the initial Loan Estimate to $1,050.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-10-03): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2022-09-23): SitusAMC received LOE, corrected PCCD, copy of refund check, and shipping label. Tracking indicates the label has been created; however, it has not been picked up for shipping. Proof of mailing is required to cure |  | 10/03/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745602 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | The Collateral Desktop Analysis Fee increased from $0.00 on the initial Loan Estimate to $90.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-10-03): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2022-09-23): SitusAMC received LOE, corrected PCCD, copy of refund check, and shipping label. Tracking indicates the label has been created; however, it has not been picked up for shipping. Proof of mailing is required to cure. |  | 10/03/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745603 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $23.46 exceeds tolerance of $16.00. Insufficient or no cure was provided to the borrower. (7579) | The Flood Certificate Fee increased from $16.00 on the initial Loan Estimate to $23.46 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-10-03): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2022-09-23): SitusAMC received LOE, corrected PCCD, copy of refund check, and shipping label. Tracking indicates the label has been created; however, it has not been picked up for shipping. Proof of mailing is required to cure |  | 10/03/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26745604 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,000.00 exceeds tolerance of $3,500.00. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax Fee increased from $3,500.00 on the initial Loan Estimate to $7,000.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-10-03): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2022-09-23): SitusAMC received LOE, corrected PCCD, copy of refund check, and shipping label. Tracking indicates the label has been created; however, it has not been picked up for shipping. Proof of mailing is required to cure |  | 10/03/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26801491 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require all appraisal reports to be in color. CDA provided is in black and white. Please provide color copy of CDA. |  | Reviewer Comment (2022-09-16): Received color copy of CDA.<br>Reviewer Comment (2022-09-15): Unable to find color copy of CDA on xxxxxx. Please try to uploaded it again. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26876063 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7535) | Final Inspection Fee of $175.00 added on PCCD dated xxxxxx and no cure is provided for the same. Please Provide additional cure of $175.00 along with cure documents. |  | Reviewer Comment (2022-10-12): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-10-10): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the UPS tracking only reflects the label created and has not yet been picked up by carrier. Provide proof package picked up by carrier to finalize cure.<br>Reviewer Comment (2022-10-03): SitusAMC received partial cure in the amount of $109.79. This amount is insufficient to cure the fee and an additional $65.21 is required. The reduction in prepaid interest would not influence the individual amount required to cure this exception. |  | 10/12/2022 |  | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | 26877321 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The PCCD dated xxxxxx discloses a Final Inspection fee in the amount of xxxxxx. and a reduction in prepaid interest for an overall TOP increase on the PCCD of xxxxxx. A corrected CD, LOE, Refund Check for undisclosed amount, and Proof of Mailing to cure is required. |  | Reviewer Comment (2022-10-03): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, |  | 10/03/2022 |  | 2 B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774996 | xxxxxx | 26715492 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.91609% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .91609%). |  |  | Reviewer Comment (2022-09-06): Client elects to waive |  |  | 09/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774996 | xxxxxx | 26715500 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2022-09-06): Client elects to waive |  |  | 09/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774996 | xxxxxx | 26715501 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.04580% or Final Disclosure APR of 8.06800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-09-06): Client elects to waive |  |  | 09/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774996 | xxxxxx | 26757189 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | Per guidelines, FTHB are required to have a 0x30x12 housing history. Per LOE in file, borrower has lived rent free for years in a relative's home, which does not meet the required 0x30x12 housing history for a FTHB. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-06): Waived with compensating factors per investor exception request in file. |  |  | 09/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774996 | xxxxxx | 26757263 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-08): Received UDN Report dated xxxxxx Document attached. Exception cleared.<br>Reviewer Comment (2022-09-07): No new documents were provided on xxxxxx Please try uploading them again. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775255 | xxxxxx | 26792971 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2022-09-12): HOA Questionnaire was provided. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 775255 | xxxxxx | 26793038 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | All pages of the trust agreement are missing for use of asset accounts from xxxxxx. |  | Reviewer Comment (2022-09-12): All pages of the Trust were provided. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 777140 | xxxxxx | 26721956 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing Verification of rent. |  | Reviewer Comment (2022-09-13): Received<br>Reviewer Comment (2022-09-13): Received duplicate bank statements reflecting payments done to xxxxxx each month from xxxxxx to xxxxxx However, the payments are different each month. Please provide an LOE from borrower explaining the different payments. Exception remains. | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777140 | xxxxxx | 26723822 | xxxxxx | xxxxxx | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # Months of Bank Statements required. | Borrower: xxxxxx xxxxxx employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx # of Months Bank Statements Required: 24; Statement Period Months provided: 6 | Only 6 months of business bank statements were provided for account ending in 4175; however, loan was approved as a 24 month bank statement loan. 1008 in file contains Seller comment that Investor approved use of only 6 months statements for this account. |  | Reviewer Comment (2022-09-21): Client requested removal of account.<br>Reviewer Comment (2022-09-13): The email does not clear this condition. if the investor approved the account to be utilized with < 24 months, an exception will be required. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777140 | xxxxxx | 26796577 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Loan file contains printout for xxxxxx account xxxxxx, which reflects a deposit of xxxxxx on xxxxxx . Please provide the source of these funds. |  | Reviewer Comment (2022-09-13): Received evidence funds transferred from savings to checking.<br>Reviewer Comment (2022-09-13): Exception remains received the printout of account 5280 but amount is transferred to account 1122 . Hence please provide the evidence | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775378 | xxxxxx | 26723009 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud Report was not provided in the loan file. |  | Reviewer Comment (2022-09-12): Fraud Report provided | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775378 | xxxxxx | 26736332 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | HPML disclosure not provided in file. |  | Reviewer Comment (2022-09-08): Client elects to waive |  |  | 09/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Lender attestation indicating that (1) the borrower did not qualify for any non-higher-priced loans or (2) the lender does not offer non-higher-priced loans. D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775378 | xxxxxx | 26736335 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 7.88760% or Final Disclosure APR of 7.88800% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Higher Priced Loan. |  |  | Reviewer Comment (2022-09-08): Client elects to waive |  |  | 09/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775378 | xxxxxx | 26740169 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Missing Purchase Contract. |  | Reviewer Comment (2022-09-12): PC + addendums provided | 09/12/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775378 | xxxxxx | 26740362 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification | Missing Verification of taxes and insurance for REO on xxxxxx, and statement, HOI and property taxes for REO on xxxxxx |  | Reviewer Comment (2022-09-12): REO documents provided | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775378 | xxxxxx | 26740410 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit Report Gap. |  | Reviewer Comment (2022-09-12): UDM provided | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776117 | xxxxxx | 26744601 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2022-09-13): HOA Questionnaire received. Exception Cleared. | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776117 | xxxxxx | 26745201 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Unable to determine when the Lender provided the Appraisal to the Borrowers. |  | Reviewer Comment (2022-09-08): Client elects to waive |  |  | 09/08/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776117 | xxxxxx | 26745203 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $241.00 exceeds tolerance of $148.00 plus 10% or $162.80. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2022-09-02): Sufficient Cure Provided At Closing |  | 09/02/2022 |  | 1 A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | 26747299 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit report gap. |  | Reviewer Comment (2022-09-14): Gap Report provided<br>Reviewer Comment (2022-09-14): No new credit gap report present in the trailing documents. Please provide a relevant credit gap report or UDM report within 10 days of closing. Exception remains. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | 26747321 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing the wire confirmation for the gift fund of $85,000.00 which was to be sent directly to escrow at closing. |  | Reviewer Comment (2022-09-23): Updated gift letter provided. Refer doc id # D0217. Hence, exception cleared.<br>Reviewer Comment (2022-09-20): The documents provided were the same documents provided twice before. The deposit and wire provided reflects $90K. If that was the initial transfer before excess refund of $5K, an updated gift letter will be required.<br>Reviewer Comment (2022-09-20): No new documents uploaded on xxxxxx. Please try to upload it again.<br>Reviewer Comment (2022-09-16): The deposit and wire provided reflects $90K. If that was the initial transfer before excess refund of $5K, an updated gift letter will be required. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | 26747353 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance coverage is in shortage of $47,710, provide an updated policy or RCE. |  | Reviewer Comment (2022-09-14): RCE provided<br>Reviewer Comment (2022-09-14): document not received. Please try resending. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | 26747400 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.29370% or Final Disclosure APR of 7.31500% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-14): Received appraisal delivery email | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | 26804090 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Guidelines for non-institutional VORs require canceled checks. Borrower is also a FTHB which requires a 0x30x12 housing history. The checks provided are not canceled checks. Please provide 12 months canceled checks as required by guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-14): Waived with compensating factors per investor request. |  |  | 09/14/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | 26804167 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-09): Client elects to waive |  |  | 09/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | 26804168 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-14): Received appraisal delivery email | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | 26742495 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. |  | Reviewer Comment (2022-09-13): Additional pages received for title preliminary showing loan amount of xxxxxx Exception Cleared. | 09/13/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | 26746615 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Appraisal reflects the Lender as xxxxxx, whereas, the Note reflects the Lender as xxxxxx. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-09): Client elects to waive |  |  | 09/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | 26746831 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.21673% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .21673%). |  |  | Reviewer Comment (2022-09-09): Client elects to waive |  |  | 09/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | 26746836 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Grace Period Testing | California Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2022-09-09): Client elects to waive |  |  | 09/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | 26746837 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Percent Testing | California Late Charge: Note late charge of 10.00000% exceeds state maximum of 6% or $5, whichever is greater. |  |  | Reviewer Comment (2022-09-09): Client elects to waive |  |  | 09/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | 26746869 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The Appraisal reflects the Lender as xxxxxx, whereas, the Note reflects the Lender as xxxxxx |  | Reviewer Comment (2022-09-09): Client elects to waive |  |  | 09/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | 26804319 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Loan file contains VOR from a private individual. Guidelines require canceled checks or bank statements when VOR is non-institutional. Loan file contains 7 months of receipts; however, this does not meet the guideline requirement of canceled checks or bank statements. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776090 | xxxxxx | 26745225 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx | Missing Insurance Verification for the Property at xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-19): The property is in the borrower's name, therefore must be included in the PITIA. Evidence of insurance is required. |  |  | 10/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776090 | xxxxxx | 26745349 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing the Verification of Donor availability of funds and transfer of Gift Funds. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-05): The check provided for $21,100 shows remitted from the borrower. If these are gift funds, then yes, we would need a gift letter for this and evidence of receipt by the borrower. As for the gift letter provided, Verus will need to confirm they are accepting the gift letter as-is. It appears the lender sent over the same document, but with the gift amount changed to xxxxxx.<br>Reviewer Comment (2022-10-05): Previously Received Gift Letter of xxxxxx. for which we have not received Evidence of Funds/Deposits. Hence Required Proof of same. Also we have received Deposits of $21,100.00 For which we does not have Gift Letter. |  |  | 10/06/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776090 | xxxxxx | 26745451 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.15963% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .15963%). |  |  | Reviewer Comment (2022-09-09): Client elects to waive |  |  | 09/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776271 | xxxxxx | 26765461 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 8.57081% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 3.57081%). |  |  | Reviewer Comment (2022-09-12): Client elects to waive |  |  | 09/12/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 776271 | xxxxxx | 26810344 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception: Borrower owns current home for 1 month but prior to that rented and paid cash, therefore cannot verify housing history. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-12): Client elects to waive with verified compensation factors |  |  | 09/12/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776271 | xxxxxx | 26810466 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for 1 NSF within the past 12 months and 4 negative balances in the past 12 months. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-12): Client elects to waive with verified compensation factors |  |  | 09/12/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26758174 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit Report Gap. |  | Reviewer Comment (2022-09-14): Received credit gap report dated xxxxxx Document attached. Exception cleared. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26758494 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing Verification of rent. Only ten months history was provided on the credit supplement. Final 1003 indicates borrower previously owned a residence; however, no recent mortgage history on credit report. |  | Reviewer Comment (2022-10-18): Property profile report verifies previous mtg in non-borrowing spouses name only. < 12 months history per guidelines, max 43%.<br>Reviewer Comment (2022-09-22): As per the security deed, the property was sold in xxxxxx However, as per fraud report, the property was sold to xxxxxx on xxxxxx Hence require VOM to capture history of this property. Exception remains. | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26765029 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Final xxxxxx) | Final CD reflects both seller and borrower paid escrow amounts. |  | Reviewer Comment (2022-09-11): Client elects to waive |  |  | 09/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26765162 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.00390% or Final Disclosure APR of 10.00700% is in excess of allowable threshold of APOR 5.28% + 1.5%, or 6.78000%. Non-Compliant Higher Priced Mortgage Loan. | Flip Transasction |  | Reviewer Comment (2022-10-18): Client elects to waive. SOL 1 year expires xxxxxx <br>Reviewer Comment (2022-10-03): Escalated review: Using the date of March 2022, as we had indicated in our prior response and also applies to vacant lots to new construction, would qualify this loan as a flipped property since it is < 90 days prior to the contract date of xxxxxx This property, per the appraisal drawing would be lot 60 which, as indicated on the tax cert provided, was purchased with the group of lots on March 22, 2022.<br>Reviewer Comment (2022-09-28): The appraisal indicates that the prior purchase date was xxxxxx , which is less than 90 days before the contract date of xxxxxx . Although the title commitment lists a different date, the file does not contain supporting evidence to clarify which date is correct. Due to the lack of clarity of prior purchase date, we would rely on the official interpretation of 1026.35(c)(4)(vi)(A):<br>1. Lack of information and conflicting information - two appraisals required. If a creditor is unable to demonstrate that the requirement to obtain two appraisals under § 1026.35(c)(4) does not apply, the creditor must obtain two written appraisals before extending a higher-priced mortgage loan subject to the requirements of § 1026.35(c). See also comment 35(c)(4)(vi)(B)-1.<br>Reviewer Comment (2022-09-22): CDA does not clear this condition. Flip transactions require 2 full interior/exterior appraisals completed prior to closing with evidence of delivery dated within 3 days prior to closing. |  |  | 10/18/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26765163 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. |  |  | Reviewer Comment (2022-10-07): Client elects to waive. SOL 1 year expires xxxxxx <br>Reviewer Comment (2022-10-03): Escalated review: Using the date of March 2022, as we had indicated in our prior response and also applies to vacant lots to new construction, would qualify this loan as a flipped property since it is < 90 days prior to the contract date of xxxxxx This property, per the appraisal drawing would be lot 60 which, as indicated on the tax cert provided, was purchased with the group of lots on March 22, 2022.<br>Reviewer Comment (2022-09-28): Escalated Review: The appraisal indicates that the prior purchase date was xxxxxx , which is less than 90 days before the contract date of xxxxxx . Although the title commitment lists a different date, the file does not contain supporting evidence to clarify which date is correct. Due to the lack of clarity of prior purchase date, we would rely on the official interpretation of 1026.35(c)(4)(vi)(A):<br>1. Lack of information and conflicting information - two appraisals required. If a creditor is unable to demonstrate that the requirement to obtain two appraisals under § 1026.35(c)(4) does not apply, the creditor must obtain two written appraisals before extending a higher-priced mortgage loan subject to the requirements of § 1026.35(c). See also comment 35(c)(4)(vi)(B)-1.<br>Reviewer Comment (2022-09-22): CDA does not clear this condition. Flip transactions require 2 full interior/exterior appraisals completed prior to closing with evidence of delivery dated within 3 days prior to closing. |  |  | 10/07/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26807552 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-11): Client elects to waive |  |  | 09/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26807553 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-11): Client elects to waive |  |  | 09/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26807554 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-21): Delivery of revised appraisal received | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26807555 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-10-18): Updated appraisal delivered within 3 business days prior to closing.<br>Reviewer Comment (2022-10-13): The same document was provided that was previously provided. The document shows appraisal delivered xxxxxx and reflects revised appraisal sent which was the xxxxxx appraisal. We need evidence the origination appraisal dated xxxxxx was sent to the borrower within 3 business days prior to consummation.<br>Reviewer Comment (2022-09-29): The same document was provided that was previously provided. The document shows appraisal delivered xxxxxx and reflects revised appraisal sent which was the xxxxxx appraisal. We need evidence the origination appraisal dated xxxxxx was sent to the borrower within 3 business days prior to consummation.<br>Reviewer Comment (2022-09-21): Provide evidence of delivery within 3 business days prior to closing for the origination appraisal dated xxxxxx  | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | 26807556 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List provided; however, it is not dated as required. |  | Reviewer Comment (2022-09-11): Client elects to waive |  |  | 09/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776486 | xxxxxx | 26792463 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-13): Client elects to waive |  |  | 09/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776486 | xxxxxx | 26792464 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.43460% or Final Disclosure APR of 7.43600% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-15): Appraisal delivery received<br>Reviewer Comment (2022-09-14): The document provided is an appraisal invoice and does not clear this condition. Evidence of delivery of the appraisal within 3 business days prior to consummation is required. | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776486 | xxxxxx | 26792465 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-15): Appraisal delivery received<br>Reviewer Comment (2022-09-14): The document provided is an appraisal invoice and does not clear this condition. Evidence of delivery of the appraisal within 3 business days prior to consummation is required. | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776486 | xxxxxx | 26792509 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City on Note xxxxxx different from City on flood certificate documents xxxxxx. |  | Reviewer Comment (2022-09-15): Updated flood cert provided | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776486 | xxxxxx | 26815234 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2022-09-13): Client elects to waive |  |  | 09/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775856 | xxxxxx | 26792575 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2022-09-15): Closing Protection Letter received (D0143) Exception Cleared | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775856 | xxxxxx | 26792578 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx | Dry Date: HOI effective date is after disbursement date. |  | Reviewer Comment (2022-09-21): Final stamped SS provided<br>Reviewer Comment (2022-09-21): Exception remains same. Again the provided closing statement (D0145) is not signed. Please provide the signed closing statement.<br>Reviewer Comment (2022-09-16): Please provide Signed final settlement. Exception Remains. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775856 | xxxxxx | 26812354 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide the lease agreement as required per guidelines. If lease converted from yearly to month to month, 2 months rent receipt will also be required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-10-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-30): The 1007 being utilized for calculation has no bearing on this. The guidelines require a lease agreement if the property is tenant occupied, however if the 1007 is higher, it can be utilized. |  |  | 10/03/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775856 | xxxxxx | 26812466 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOR for primary residence completed by a private party/non-institiuonal xxxxxx. Cancelled checks are required. |  | Reviewer Comment (2022-09-28): Bank statement ledger provided | 09/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775303 | xxxxxx | 26799162 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification | Missing Insurance verification for 2 REOs located on xxxxxx, REO located on xxxxxx and 3 Investment REOs located on xxxxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-14): VOM's and mortgage statements were provided for all these properties. Insurance is required on all properties. |  |  | 09/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776046 | xxxxxx | 26803225 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-09-16): Received fraud report dated xxxxxx addressing all high impacts. Exception cleared. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776046 | xxxxxx | 26803292 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-09-20): 1004D/442 received , Exception Cleared | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776046 | xxxxxx | 26803295 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | There is a credit report in file dated xxxxxx however no scores are reflected nor tradelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-10): The report provided is dated post closing and not acceptable<br>Reviewer Comment (2022-09-16): The xxxxxx credit report was provided to support the tradelines which is allowed per guidelines. An updated report still required meeting the tradeline requirement dated within 90 days prior to the closing is required. A Foreign Credit Report is not exempt from the age of document requirements. |  |  | 10/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776046 | xxxxxx | 26979423 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-24): PDI received dated xxxxxx : No Damage |  |  | 10/24/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776467 | xxxxxx | 26803632 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA License or EA status | Missing verification that the CPA/accountant is an IRS Enrolled Agent, or licensed tax preparer. |  | Reviewer Comment (2022-09-16): The IRS active status of CPA is provided. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776467 | xxxxxx | 26804042 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or undisclosed debt monitoring report is required no more than 10 days prior to loan closing or anytime after closing. |  | Reviewer Comment (2022-09-16): Received credit gap report dated xxxxxx Exception cleared. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776467 | xxxxxx | 26804730 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure in file was provided at closing. |  | Reviewer Comment (2022-09-14): Client elects to waive |  |  | 09/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776467 | xxxxxx | 26827216 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-09-16): Approval document received (D0185), Exception Cleared | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776467 | xxxxxx | 26827334 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2022-09-14): Client elects to waive |  |  | 09/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776967 | xxxxxx | 26802861 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. |  | Reviewer Comment (2022-09-16): Exception is cleared received Title Final Policy with Coverage amount | 09/16/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776967 | xxxxxx | 26805273 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-09-20): The final title was provided. | 09/20/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776967 | xxxxxx | 26827418 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Guidelines for non-institutional VORs require 6 months canceled checks. VOR in file is from a private individual and loan file contains LOE from borrower stating they pay the rent in cash, which does not meet guideline requirements. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-20): The client elects to waive with comp factors.<br>Reviewer Comment (2022-09-16): As per guidelines, if a VOR is completed by a private party or any non-institutional xxxxxx, 6 months of cancelled checks, rental statements including payment history is needed. Please provide the same. Exception remains. |  |  | 09/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776967 | xxxxxx | 26827437 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. |  |  | Reviewer Comment (2022-09-14): Client elects to waive |  |  | 09/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776543 | xxxxxx | 26809324 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-14): Client elects to waive |  |  | 09/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773285 | xxxxxx | 26808898 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | GAP credit was not provided within 10 days of closing as required. |  | Reviewer Comment (2022-09-30): Received Gap Credit Report. | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774952 | xxxxxx | 26809140 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-16): Client elects to waive |  |  | 09/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774952 | xxxxxx | 26809141 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.05160% or Final Disclosure APR of 8.05600% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-22): Appraisal delivery received | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774952 | xxxxxx | 26809143 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-22): Appraisal delivery received | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774952 | xxxxxx | 26809149 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-09-16): Client elects to waive |  |  | 09/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774952 | xxxxxx | 26809167 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $428.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points. Fee Amount of $428.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2022-09-20): SitusAMC Received COC dated xxxxxx with a valid reason for change. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774952 | xxxxxx | 26843452 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Per guidelines, all owners of the business must provide an LOE acknowledging the transaction and giving borrower access to the business funds. Per self-employed business narrative, there are two owners of the business; however, LOE not provided. |  | Reviewer Comment (2022-09-23): Dated LOE provided<br>Reviewer Comment (2022-09-22): The LOE provided is not dated<br>Reviewer Comment (2022-09-22): The LOE is provided in file from the other Owners. However, Date is missing in LOE. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26819984 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is missing in the provided Title Preliminary report |  | Reviewer Comment (2022-09-23): FTP provided<br>Reviewer Comment (2022-09-23): Unable to see any Title document uploaded in xxxxxx. Please try to upload it again. | 09/23/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831603 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-09-23): FTP provided | 09/23/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831678 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831755 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Telephone Listing / Internet Search / Directory Assistance | Required per guideline. |  | Reviewer Comment (2022-09-23): Internet search provided<br>Reviewer Comment (2022-09-23): Unable to see any internet search document uploaded in xxxxxx. Please try to upload it again. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831871 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-22): Client elects to waive |  |  | 09/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831872 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.96930% or Final Disclosure APR of 9.01800% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-23): Appraisal delivery provided | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831873 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-23): Appraisal delivery provided | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831874 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-09-20): The client elects to waive with comp factors. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831876 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $519.38 exceeds tolerance of $515.63. Sufficient or excess cure was provided to the borrower at Closing. (7200) | Zero Percent Fee Tolerance exceeded |  | Reviewer Comment (2022-09-15): Sufficient Cure Provided At Closing |  | 09/15/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831966 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | 26831967 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  |  |  | Reviewer Comment (2022-10-11): Document provided. Refer doc id # D0586. Hence, exception cleared.<br>Reviewer Comment (2022-09-23): Letter provided is for 1717. Need for 5794. Further the LOE must be signed and dated.<br>Reviewer Comment (2022-09-23): Unable to see any LOE uploaded on xxxxxx. Please try to upload it again. | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776544 | xxxxxx | 26832720 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-14): Gap report provided | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776544 | xxxxxx | 26833033 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-04): Client elects to waive |  |  | 10/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776544 | xxxxxx | 26833034 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.20440% or Final Disclosure APR of 9.26800% is in excess of allowable threshold of APOR 5.28% + 1.5%, or 6.78000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-17): Appraisal delivery received<br>Reviewer Comment (2022-10-05): The LOE from the borrower states they received the appraisal at closing. HPML loans do not allow for a waiver. The appraisal needed to be delivered to the borrower within 3 days prior to closing. There was an additional image provided reflecting appraisal completed and delivered on xxxxxx via email but it does not say who it was emailed to. The LOE directly from the borrower needs to be utilized. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776544 | xxxxxx | 26833035 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-10-17): Appraisal delivery received<br>Reviewer Comment (2022-10-05): The LOE from the borrower states they received the appraisal at closing. HPML loans do not allow for a waiver. The appraisal needed to be delivered to the borrower within 3 days prior to closing. There was an additional image provided reflecting appraisal completed and delivered on xxxxxx via email but it does not say who it was emailed to. The LOE directly from the borrower needs to be utilized. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776544 | xxxxxx | 26833037 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower. |  |  | Reviewer Comment (2022-09-20): The client elects to waive with comp factors. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776544 | xxxxxx | 26833163 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | All red flag need to be cleared |  | Reviewer Comment (2022-10-12): LOE for clearance provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | 26824185 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipts of Appraisal was not provided to the borrower three days prior to consummation. |  | Reviewer Comment (2022-09-16): Client elects to waive |  |  | 09/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | 26824189 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.80280% or Final Disclosure APR of 8.87900% is in excess of allowable threshold of APOR 5.62% + 1.5%, or 7.12000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-23): Appraisal delivery received | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | 26824191 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | An acknowledgement of receipts of Appraisal was not provided to the borrower three days prior to consummation. |  | Reviewer Comment (2022-09-23): Appraisal delivery received | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | 26824193 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.76013% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .76013%). |  |  | Reviewer Comment (2022-09-16): Client elects to waive |  |  | 09/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | 26825055 | xxxxxx | xxxxxx | Compliance | TRID | Document Error | TRID | TRID Closing Disclosure: "Product" in Loan Details section is blank. | Date Issued: xxxxxx | Unable to capture the product type due to the missing first page of the closing disclosure dated xxxxxx . |  | Reviewer Comment (2022-09-23): SitusAMC received complete xxxxxx CD. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | 26825265 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | These closing disclosures provided xxxxxx are incomplete, the document does not reflect any information on the first page of the CDs. Provide an updated document reflecting all the missing information on the page one of the CDs. |  | Reviewer Comment (2022-09-23): SitusAMC received complete xxxxxx CD.<br>Reviewer Comment (2022-09-23): Unable to see CD on xxxxxx. Please try to upload it again. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | 26843865 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Guidelines for the P&L only program require that the CPA/EA attest that they have prepared the borrower's most recent tax return. The CPA letters provided state they reviewed the borrower's tax returns, which does not meet the guideline requirement. |  | Reviewer Comment (2022-09-26): Revised CPA letter provided | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26822054 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,100.00 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | Final CD reflects non-escrowed costs as xxxxxx per year; however, appraisal reflects HOA dues as xxxxxx per year. |  | Reviewer Comment (2022-09-16): Client elects to waive |  |  | 09/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26822289 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing. |  | Reviewer Comment (2022-09-22): Final 1003 provided<br>Reviewer Comment (2022-09-22): Document not found in trailing documents. Please try uploading again. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26823051 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-16): Client elects to waive |  |  | 09/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26823052 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.04540% or Final Disclosure APR of 10.06100% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-27): Appraisal delivery provided | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26823053 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-09-16): Client elects to waive |  |  | 09/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26823054 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-27): Appraisal delivery provided<br>Reviewer Comment (2022-09-27): Appraisal delivery not provided in trailing docs. Please try uploading again.<br>Reviewer Comment (2022-09-26): Appraisal delivery not provided in trailing docs. Please try uploading again. | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26823055 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.11009% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .11009%). |  |  | Reviewer Comment (2022-09-16): Client elects to waive |  |  | 09/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26823089 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing third party verification that business in existence for at least two years. |  | Reviewer Comment (2022-09-30): 3rd party verification was provided.<br>Reviewer Comment (2022-09-29): xxxxxx is dated xxxxxx which is post closing and not acceptable. | 09/30/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26823090 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx/Bank Statements) | Due to missing third party verification that business in existence for at least two years. |  | Reviewer Comment (2022-09-30): 3rd party verification was provided.<br>Reviewer Comment (2022-09-29): xxxxxx is dated xxxxxx which is post closing and not acceptable. | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26823091 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing third party verification that business in existence for at least two years. |  | Reviewer Comment (2022-09-30): 3rd party verification was provided.<br>Reviewer Comment (2022-09-29): xxxxxx is dated xxxxxx which is post closing and not acceptable.<br>Reviewer Comment (2022-09-28): A background report such as Lexis Nexis not acceptable. We would need third party evidence via a CPA, operating agreement or equivalent verifying 2 years SE an ownership %. | 09/30/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26823152 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | CPA letter or third party verification that business has been in existence for at least two years and ownership percentage is required and was not provided. |  | Reviewer Comment (2022-09-30): 3rd party verification was provided.<br>Reviewer Comment (2022-09-30): Exception Explanation Updated from: CPA Letter<br>Reviewer Comment (2022-09-29): Lexis Nexis is dated xxxxxx which is post closing and not acceptable. | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 26906397 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-24): xxxxxx provided dated xxxxxx : Some Damage. See added condition. |  |  | 10/24/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | 27041301 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | Disaster Name: xxxxxx xxxxxx; <br> Disaster Declaration date: xxxxxx ; <br> Most Recent Disaster End Date: | Per the 1004D provided, damage was reflected in the amount of $1,200. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Reviewer Comment (2022-10-31): The client elects to waive.<br>Reviewer Comment (2022-10-31): The same 1004D was provided that was in file at time of review. Per the 1004D, the property reflected Damage. Client can elect to waive with verified comp factors. |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777212 | xxxxxx | 26834330 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Disclosure not provided within a reasonably practicable time after using credit score. Provided on xxxxxx |  | Reviewer Comment (2022-09-19): The client elects to waive |  |  | 09/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777212 | xxxxxx | 26834353 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock not provided |  | Reviewer Comment (2022-09-19): The client elects to waive |  |  | 09/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777212 | xxxxxx | 26834387 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.10736% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.10736%). | Points and Fees on subject loan of 4.10736% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. |  | Reviewer Comment (2022-09-19): The client elects to waive |  |  | 09/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774906 | xxxxxx | 26838967 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  |  |  | Reviewer Comment (2022-09-29): Received VOR from xxxxxx which is property management company. Exception cleared.<br>Reviewer Comment (2022-09-28): The VOR is completed by a private party. And as per guidelines, any VOR completed by a private or non-institutional non-institutional xxxxxx must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). Please provide the same. Exception remains.<br>Reviewer Comment (2022-09-22): Received VOR. However as per the VOR the recent rent paid was $4,237. As per final 1003, the monthly rent is $1,500. Please provide an LOX explaining the sudden rise in the rent and provide bank statements to verify the same. Exception remains. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774906 | xxxxxx | 26839183 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The file contains documentation that the borrower received the appraisal report on xxxxxx ; however, the appraisal report in the file is dated xxxxxx . There is no evidence in the file that the borrower received a copy of the final appraisal report. |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774906 | xxxxxx | 26839185 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing a copy of the xxxxxx. |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774906 | xxxxxx | 26839186 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.20880% or Final Disclosure APR of 8.26600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000 + 1.75%, or 7.05000%. Non-Compliant SubPrime Loan. | The loan does not meet the New York Subprime Home Loan requirements due to missing evidence the borrower received a copy of the Counseling Disclosure. |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774906 | xxxxxx | 26839187 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $1,250.00 exceeds tolerance of $1,200.00. Insufficient or no cure was provided to the borrower. (77169) | The Title - Settlement Fee increased from $1,200.00 on the initial Loan Estimate to $1,250.00 on the Loan Estimate dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2022-09-23): SitusAMC received corrected PCCD, LOE, proof of delivery & copy of refund check. |  | 09/23/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | 26839257 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  |  |  | Reviewer Comment (2022-09-22): Exception is cleared as per email and Title document vesting at the time of closing recorded mortgage showing the end vesting matches | 09/22/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | 26839791 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.99172% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.99172%). |  |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | 26839792 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $172.00 exceeds tolerance of $86.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Zero Percent Fee Tolerance exceeded |  | Reviewer Comment (2022-09-16): Sufficient Cure Provided At Closing |  | 09/16/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | 26840011 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of $1,885.59 is less than AUS required disposable income of $1,250.00. |  |  | Reviewer Comment (2022-09-26): Per guidelines, collections and chargeoffs exceed requirement can be excluded if borrower has sufficient reserves or 5% added to the DTI. Additional collection/chargeoff accounts not paid through closing excluded from reserves instead of being added to the DTI. DTI and residual income nowI within line and borrower still has sufficient reserves to meet the guideline requirements.<br>Reviewer Comment (2022-09-26): Exception Explanation Updated from: Calculated investor qualifying disposable income of $713.74 is less than xxxxxx required disposable income of $1,250.00. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | 26840021 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.16492% exceeds Guideline total debt ratio of 50.00000%. | DTI Exceeds Guideline due to xxxxxx collection remain open with 5% payment per guideline. |  | Reviewer Comment (2022-09-26): Per guidelines, collections and chargeoffs exceed requirement can be excluded if borrower has sufficient reserves or 5% added to the DTI. Additional collection/chargeoff accounts not paid through closing excluded from reserves instead of being added to the DTI. DTI within line and borrower still has sufficient reserves to meet the guideline requirements.<br>Reviewer Comment (2022-09-26): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 81.13625% exceeds Guideline total debt ratio of 50.00000%. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | 26840049 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI Exceeds Guideline due to xxxxxx collection remain open with 5% payment per guideline. |  | Reviewer Comment (2022-09-26): Per guidelines, collections and chargeoffs exceed requirement can be excluded if borrower has sufficient reserves or 5% added to the DTI. Additional collection/chargeoff accounts not paid through closing excluded from reserves instead of being added to the DTI. DTI within line and borrower still has sufficient reserves to meet the guideline requirements. | 09/26/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | 26840050 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI Exceeds Guideline due to xxxxxx collection remain open with 5% payment per guideline. |  | Reviewer Comment (2022-09-26): Per guidelines, collections and chargeoffs exceed requirement can be excluded if borrower has sufficient reserves or 5% added to the DTI. Additional collection/chargeoff accounts not paid through closing excluded from reserves instead of being added to the DTI. DTI within line and borrower still has sufficient reserves to meet the guideline requirements. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | 26840051 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 81.13625% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI Exceeds Guideline due to xxxxxx collection remain open with 5% payment per guideline. |  | Reviewer Comment (2022-09-26): Per guidelines, collections and chargeoffs exceed requirement can be excluded if borrower has sufficient reserves or 5% added to the DTI. Additional collection/chargeoff accounts not paid through closing excluded from reserves instead of being added to the DTI. DTI within line and borrower still has sufficient reserves to meet the guideline requirements. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | 26840110 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-27): The document dated is post closing and not acceptable. We need a CPA letter, operating agreement, or equivalent to verify borrower's ownership % in the business and 2 years SE at time of or prior to closing. |  |  | 09/29/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | 26839757 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-27): Gap report provided | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | 26840231 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.58781% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.58781%). |  |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | 26840232 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | 26840233 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,440.90 exceeds tolerance of $1,811.00 plus 10% or $1,992.10. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | The Title - Lender's Title Insurance Fee increased from $1,254.00 on the initial Loan Estimate to $1,883.90 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-09-16): Sufficient Cure Provided At Closing |  | 09/16/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | 26840234 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | The Appraisal Fee increased from $550.00 on the initial Loan Estimate to $700.00 on the Loan Estimate dated xxxxxx . The file contained a change of circumstance for best bid received; however, best bid received is not a valid reason for the fee increase. |  | Reviewer Comment (2022-09-16): Sufficient Cure Provided At Closing |  | 09/16/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | 26840247 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Paystubs | The file is missing a current paystub for the borrower's wage income. |  | Reviewer Comment (2022-09-22): Paystubs provided | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | 26840266 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-22): Received fraud report addressing all the red flags. Exception cleared. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776482 | xxxxxx | 26843481 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | An appraisal notice was provided to the borrowers prior to the report or completion date. |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776482 | xxxxxx | 26843485 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Closing disclosure not provided to the borrowers at least three business days prior to closing. |  | Reviewer Comment (2022-09-30): SitusAMC received xxxxxx CD 3 business days prior to consummation.<br>Reviewer Comment (2022-09-29): SitusAMC received xxxxxx CD signed by borrower on xxxxxx . As the transaction is rescindable all borrowers must receive the initial CD 3 business days prior to consummation. Please provide documentation indicating receipt for coborrower.<br>Reviewer Comment (2022-09-26): SitusAMC received disclosure tracking for the xxxxxx CD, however the document is not acceptable as is says "This package was set to Inactive. Please provide accurate documentation of receipt if available.<br>Reviewer Comment (2022-09-23): SitusAMC received xxxxxx CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is xxxxxx . Consummation date is xxxxxx . xxxxxx is day 1, xxxxxx is day 2. Please provide documentation if the CD was received xxxxxx or earlier for review. | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776482 | xxxxxx | 26843486 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $1,495.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-09-30): SitusAMC received comment suffice the requirement and the fees on PCCD matches with Final SS.<br>Reviewer Comment (2022-09-29): SitusAMC received Changed Circumstance dated xxxxxx but it does not give valid reason why the Administration fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee was added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2022-09-23): SitusAMC received CD xxxxxx and xxxxxx and LE xxxxxx and xxxxxx . Provide a Valid Change of Circumstance for addition of Administration fee on CD dated xxxxxx or a cure including a Letter of Explanation to borrower, Proof of Delivery, Copy of Refund Check, and Corrected CD is needed to satisfy this exception. | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776482 | xxxxxx | 26843560 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing title final. |  | Reviewer Comment (2022-09-30): FTP provided | 09/30/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776482 | xxxxxx | 26843603 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing credit report gap. |  | Reviewer Comment (2022-09-23): Received Gap credit report dated xxxxxx Document attached. Exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776482 | xxxxxx | 26843965 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Reviewer Comment (2022-09-23): Final title policy document provided with appropriate coverage amount. Refer doc id # D0431. Hence, exception cleared. | 09/23/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26843916 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 48.36068% exceeds Guideline total debt ratio of 45.00000%. | Max DTI for FTHB is 45%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-23): 1008 does not clear this income. Qualifying income used $18,744.92, Qualifying PITIA $5,909.17, Credit Debt $3,156. Credit Debt + PITIA = $9,065.17/Income $18,744.92 = 48.36068% DTI. |  |  | 09/29/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26844527 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on Appraisal xxxxxx differs from xxxxxx on Note. |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26846420 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Copy of Appraisal(s) was not provided 3 business days prior to closing to Borrower. |  | Reviewer Comment (2022-09-22): Client elects to waive |  |  | 09/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26846421 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.61250% or Final Disclosure APR of 9.64100% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. | Final Disclosure APR of 9.64100% is in excess of allowable threshold of APOR 5.06% |  | Reviewer Comment (2022-10-04): Client elects to waive. SOL 1 year expires 8.25.2023<br>Reviewer Comment (2022-09-23): This loan being a Non-QM loan does not address this condition. This does not pertain to a CDA secondary valuation as well as an SSR does not clear this condition. This pertains to a flipped transaction which requires 2 appraisals to be completed prior to closing. |  |  | 10/04/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26846422 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26846423 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. | Only one valuation was provided. The appraisal reflects the last sale date of xxxxxx at xxxxxx and no documentation of renovation was found. |  | Reviewer Comment (2022-10-04): Client elects to waive. SOL 1 year expires 8.25.2023<br>Reviewer Comment (2022-09-23): This does not pertain to a CDA secondary valuation as well as an SSR does not clear this condition. This pertains to a flipped transaction which requires 2 appraisals to be completed prior to closing. |  |  | 10/04/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26846424 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Copy of Appraisal(s) was not provided 3 business days prior to closing to Borrower. |  | Reviewer Comment (2022-09-23): Appraisal delivery provided | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26846425 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2022-09-29): Client elects to waive with verified compensation factors. Condition no longer applies.<br>Reviewer Comment (2022-09-23): 1008 does not clear this income. Qualifying income used $18,744.92, Qualifying PITIA $5,909.17, Credit Debt $3,156. Credit Debt + PITIA = $9,065.17/Income $18,744.92 = 48.36068% DTI. | 09/29/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26846426 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 48.36068% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender DTI of 48.36068% exceeds guideline max of 45% | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-23): 1008 does not clear this income. Qualifying income used $18,744.92, Qualifying PITIA $5,909.17, Credit Debt $3,156. Credit Debt + PITIA = $9,065.17/Income $18,744.92 = 48.36068% DTI. |  |  | 09/29/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26846441 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing in file or not provided |  | Reviewer Comment (2022-09-20): The client elects to waive. |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26846442 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | Seller CD not Provide |  | Reviewer Comment (2022-09-23): SitusAMC received Seller CD. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26851510 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Max DTI for FTHB is 45%. |  | Reviewer Comment (2022-09-29): Client elects to waive with verified compensation factors. Condition no longer applies.<br>Reviewer Comment (2022-09-23): 1008 does not clear this income. Qualifying income used $18,744.92, Qualifying PITIA $5,909.17, Credit Debt $3,156. Credit Debt + PITIA = $9,065.17/Income $18,744.92 = 48.36068% DTI. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26879791 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final xxxxxx) | Seller fees do not match borrower final CD. |  | Reviewer Comment (2022-10-03): SitusAMC received Seller CD. | 10/03/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | 26879800 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure PAD Fee | TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on xxxxxx disclosed a Pad fee that was not allocated to a specific cost or service performed. (Final xxxxxx) | Seller CD reflecting a PAD fee confirms that Seller CD is not final. Corrected Seller CD, and Final Settlement Statement if over 60 days from consummation, required to determine where funds were applied to determine any impact on fee analysis. |  | Reviewer Comment (2022-10-03): SitusAMC received final Seller CD. | 10/03/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778232 | xxxxxx | 26861590 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Lender exception in file. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 778232 | xxxxxx | 26861799 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the Borrowing Entity. |  | Reviewer Comment (2022-09-27): Deed provided | 09/27/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 778018 | xxxxxx | 26852714 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.21 is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of 4.21 are less than the guideline required months of 6.00. A lender exception is provided in the file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778018 | xxxxxx | 26852783 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing verification of Mortgage. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-05): Bank statements provided for 8 months history. However, need exception for no VOM to verify payment, terms. Client verified since previous lien is > 12 months old, the guideline interpretation is only that the current mortgage history is required.<br>Reviewer Comment (2022-09-28): Received property profile report for primary and REO xxxxxx reflecting F/C since time of purchase. The property profile report for xxxxxx reflects a mortgage lien in which a release was provided dated xxxxxx. A mortgage history for this REO is required since just released. Provide the VOM and cancelled checks (since from a private party). |  |  | 10/07/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778018 | xxxxxx | 26852932 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | The loan is to be securitized, however, a secondary valuation was not provided in the loan file. |  | Reviewer Comment (2022-09-27): CDA received | 09/27/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778018 | xxxxxx | 26853082 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.07691% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .07691%). |  |  | Reviewer Comment (2022-09-20): The client elects to waive |  |  | 09/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778018 | xxxxxx | 26893976 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | EAD card with no valid VISA (non-perm resident). | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778018 | xxxxxx | 26893978 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 12 months banks statements not allowed on non-perm residents. 24 months only. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778018 | xxxxxx | 26898840 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the corrected 1003's reflecting both borrower's are Non-Perm Residents. Currently reflects xxxxxx for both. |  | Reviewer Comment (2022-10-04): Updated 1003's provided<br>Reviewer Comment (2022-10-03): The 1003's provided still reflect xxxxxx.<br>Reviewer Comment (2022-09-30): The 1003's provided still reflect xxxxxx. | 10/04/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778070 | xxxxxx | 26853095 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-09-29): Received Tax Certificate for subject Property. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778070 | xxxxxx | 26853929 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-29): Received UDM report dated xxxxxx for both borrowers. Exception cleared. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778070 | xxxxxx | 26853941 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-27): Fraud Report provided | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778070 | xxxxxx | 26854122 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Statement<br> Tax Verification | Missing Mortgage statement for xxxxxx<br> Missing Tax verification for xxxxxx, |  | Reviewer Comment (2022-09-29): Received Tax Certificate for xxxxxx and xxxxxx.<br>Reviewer Comment (2022-09-27): Documents provided for xxxxxx. Pending receipt of tax verification for xxxxxx. The document provided in file with an estimated tax amount does not reflect what property address this is for. Will need the actual tax cert from the property. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777938 | xxxxxx | 26865065 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Valid EAD OR<br> o Visa types allowed: E-1, E-2, E-3, EB-5, G-1 through G-5, H-1, L-1, NATO, O-1, R-1, TN<br> NAFTA<br> o If Visa status will expire within one year and prior history of residency status renewal<br> exists, no further documentation is required. If Visa expires within six (6) months of<br> note date, evidence of renewal filing must be provided OR documentation from<br> current employer supporting likelihood or renewal. |  | Reviewer Comment (2022-10-03): Exception cleared Visa, Work Permit and Driver license received | 10/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777938 | xxxxxx | 26877100 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-09-28): Client elects to waive with verified compensation factors |  |  | 09/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777938 | xxxxxx | 26877189 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $108,846.30 is less than Cash From Borrower $133,313.51. | Account #6865 was removed as it is an aged account. Only 50% utilized for account #3304 as funds are limited to ownership % in business. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-11): Lender would like to waive<br>Reviewer Comment (2022-10-04): Gift letter received. Pending receipt of receipt of gift funds |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777938 | xxxxxx | 26877196 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Account #xxxxxx was removed as it is an aged account. Only 50% utilized for account #xxxxxx as funds are limited to ownership % in business. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-11): Lender would like to waive<br>Reviewer Comment (2022-10-04): Gift letter received. Pending receipt of receipt of gift funds |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777938 | xxxxxx | 26960752 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-14): Client elects to waive. Disaster Inspection provided dated xxxxxx : No Damage |  |  | 10/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778330 | xxxxxx | 26859942 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-29): Received gap report dated xxxxxx Exception cleared.<br>Reviewer Comment (2022-09-27): The document provided is a credit report. The date ordered is the date that is utilized vs. complete date. Provide the gap report dated within 10 business days prior to consummation or any time after.<br>Reviewer Comment (2022-09-26): Provided gap credit report is dated xxxxxx and is not within 10 days of note date. Exception remains. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776522 | xxxxxx | 26868076 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Sufficient cure provided. |  | Reviewer Comment (2022-09-21): Sufficient Cure Provided At Closing |  | 09/21/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777466 | xxxxxx | 26867460 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | There are red flags on the fraud report that are yet to be addressed. |  | Reviewer Comment (2022-10-05): Clearance LOE provided | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777466 | xxxxxx | 26867787 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-09-27): Client elects to waive |  |  | 09/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777466 | xxxxxx | 26867788 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.50760% or Final Disclosure APR of 7.55500% is in excess of allowable threshold of APOR 5.20% + 1.5%, or 6.70000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-09-27): Delivery provided | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777466 | xxxxxx | 26867789 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | This is due to lender on the appraisal differs from Note. However an appraisal transfer letter was provided in file. |  | Reviewer Comment (2022-09-23): The client elects to waive. |  |  | 09/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777466 | xxxxxx | 26867790 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-09-27): Delivery provided | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777466 | xxxxxx | 26868167 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Reviewer Comment (2022-09-28): Supplement provided | 09/28/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777675 | xxxxxx | 26868919 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2022-09-23): The client elects to waive. |  |  | 09/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778484 | xxxxxx | 26871373 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2022-10-05): Business narrative provided confirming service industry, no commercial space rented/owned, and no employees. Guidelines allow for Type 1 businesses to utilize an 85% profit margin. Updated income. DTI no longer an issue.<br>Reviewer Comment (2022-09-29): The 1008 does not clear this and we need to underwrite the loan to the xxxxxx Guidelines provided to us. For Bank Statement Analysis a standard 50% expense factor is utilized. Per the income worksheet, the lender utilized Type 1 which allows for a reduced expense factor and higher profit margin, however evidence needs to be provided first that the borrower has no employees other than themselves and that the business does not rent any commercial space. | 10/05/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778484 | xxxxxx | 26871374 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 71.36858% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  | Reviewer Comment (2022-10-05): Business narrative provided confirming service industry, no commercial space rented/owned, and no employees. Guidelines allow for Type 1 businesses to utilize an 85% profit margin. Updated income. DTI no longer an issue.<br>Reviewer Comment (2022-09-29): The 1008 does not clear this and we need to underwrite the loan to the xxxxxx Guidelines provided to us. For Bank Statement Analysis a standard 50% expense factor is utilized. Per the income worksheet, the lender utilized Type 1 which allows for a reduced expense factor and higher profit margin, however evidence needs to be provided first that the borrower has no employees other than themselves and that the business does not rent any commercial space. | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778484 | xxxxxx | 26871376 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,426.00 exceeds tolerance of $1,401.00. Insufficient or no cure was provided to the borrower. (8304) | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,426.00 exceeds tolerance of $1,401.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2022-09-29): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778484 | xxxxxx | 26871380 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 71.36858% exceeds Guideline total debt ratio of 50.00000%. | File was missing income calculation worksheet to support lender qualifying income. |  | Reviewer Comment (2022-10-05): Business narrative provided confirming service industry, no commercial space rented/owned, and no employees. Guidelines allow for Type 1 businesses to utilize an 85% profit margin. Updated income. DTI no longer an issue.<br>Reviewer Comment (2022-09-29): The 1008 does not clear this and we need to underwrite the loan to the xxxxxx Guidelines provided to us. For Bank Statement Analysis a standard 50% expense factor is utilized. Per the income worksheet, the lender utilized Type 1 which allows for a reduced expense factor and higher profit margin, however evidence needs to be provided first that the borrower has no employees other than themselves and that the business does not rent any commercial space. | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778484 | xxxxxx | 26871604 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds guideline maximum. File was missing a copy of the income calculation sheet to support lender qualifying income. |  | Reviewer Comment (2022-10-05): Business narrative provided confirming service industry, no commercial space rented/owned, and no employees. Guidelines allow for Type 1 businesses to utilize an 85% profit margin. Updated income. DTI no longer an issue.<br>Reviewer Comment (2022-09-29): The 1008 does not clear this and we need to underwrite the loan to the xxxxxx Guidelines provided to us. For Bank Statement Analysis a standard 50% expense factor is utilized. Per the income worksheet, the lender utilized Type 1 which allows for a reduced expense factor and higher profit margin, however evidence needs to be provided first that the borrower has no employees other than themselves and that the business does not rent any commercial space. | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775715 | xxxxxx | 26872990 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The file contains documentation that the borrower received the appraisal report on xxxxxx ; however, the appraisal report in the file is dated xxxxxx . There is no evidence in the file that the borrower received a copy of the final appraisal report. |  | Reviewer Comment (2022-09-23): The client elects to waive. |  |  | 09/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775715 | xxxxxx | 26872992 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.11370% or Final Disclosure APR of 8.16000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-09-23): The client elects to waive. |  |  | 09/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777940 | xxxxxx | 26876752 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) | An acknowledgement of receipt of the secondary appraisal was not provided to the borrower three business days prior to consummation. |  | Reviewer Comment (2022-09-23): The client elects to waive. |  |  | 09/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777940 | xxxxxx | 26876754 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | This is due to the lender on appraisal differs from note, however an appraisal transfer letter was provided in file. |  | Reviewer Comment (2022-09-23): The client elects to waive with comp factors. |  |  | 09/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776829 | xxxxxx | 26873051 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender has a Loan Exception for a rural and reserves 0 months. Investor to approve the exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-09-26): The client elects to waive with comp factors. |  |  | 09/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776829 | xxxxxx | 26874077 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-10-12): The final title was provided | 10/12/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776829 | xxxxxx | 26874078 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-10-11): Final Title received (D0191) Exception Cleared. | 10/11/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776829 | xxxxxx | 26874441 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.31375% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.31375%). |  |  | Reviewer Comment (2022-09-26): The client elects to waive. |  |  | 09/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776829 | xxxxxx | 26874442 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2022-09-22): Sufficient Cure Provided At Closing |  | 09/22/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775474 | xxxxxx | 26874894 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The 12 months business banks statements, Business Narrative and Business License search reflect the name xxxxxx The internet search, CPA letter, 1 bank statement (June 2022), and 1003 reflect the name xxxxxx Provide evidence that these are one in the same business. |  | Reviewer Comment (2022-10-11): Operating Agreement for xxxxxx and updated 1003's provided to reflect xxxxxx.<br>Reviewer Comment (2022-10-05): xxxxxx and xxxxxx are two separate businesses. Being a member of xxxxxx does not have any bearing on this. The assignment and assumption agreement is dated xxxxxx which is post close. At time of review, the business was xxxxxx before assigning all interest to xxxxxx, which is a separate business. All documents in file should have been for xxxxxx (i.e business banks statements, business narrative and business license search). Investor exception will be required.<br>Reviewer Comment (2022-10-04): The assignment and assumption agreement is dated xxxxxx which is post close. At time of review, the business was xxxxxx before assigning all interest to xxxxxx, which is a separate business. All documents in file should have been for xxxxxx (i.e business banks statements, business narrative and business license search). Investor exception will be required.<br>Reviewer Comment (2022-10-03): Unable to see any new documents uploaded in xxxxxx. Please try to upload it again. | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775474 | xxxxxx | 26876965 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI city reflects xxxxxx however, the Note reflects xxxxxx. |  | Reviewer Comment (2022-09-29): Updated HOI provided | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775474 | xxxxxx | 26876967 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate city reflects xxxxxx however, the Note reflects xxxxxx. |  | Reviewer Comment (2022-09-29): Updated flood cert provided | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775474 | xxxxxx | 26877023 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-26): The client elects to waive with comp factors. |  |  | 09/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775474 | xxxxxx | 26877025 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) | Zero percent fee tolerance exceeded; however, sufficient cure was provided at closing. |  | Reviewer Comment (2022-09-23): Sufficient Cure Provided At Closing |  | 09/23/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778030 | xxxxxx | 26874651 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per guidelines, rural property types are not permitted. Per appraisal, subject property is rural. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors |  |  | 10/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778030 | xxxxxx | 27232387 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-11-11): PDI received | 11/11/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778569 | xxxxxx | 26874901 | xxxxxx | xxxxxx | Credit | Income | Document Error | Income | The number of continuance years supported is unknown. |  | The file contains a letter and printout that verifies a transfer of $3,600; however, the account is named "Savings" and there is no other documentation to verify what account type the transfer is coming from. In addition, the printout reflects a balance of $78,438.08, which is not sufficient to cover a 3 year continuance, which would be $129,600. The file does contain other brokerage account statements; however, these are not the accounts the $3,600 per month income transfer is coming from. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-07): The document provided is not acceptable. See comments from 9/29: The full 30 day bank statement needs to be provided for July for 3697. The printout just reflects 1 day of xxxxxx . Asset report in file reflects borrower is a joint account holder. Further, documentation will need to be provided as to what account the distribution is coming from along with current statements. All borrower accounts are from xxxxxx. Account #1351, 6/2022 has an ending balance of $75,103.59 and account #1377, 5/2022 has an ending balance of $157,833.09. The distribution letter in file states the start date for distributions is July.<br>Reviewer Comment (2022-09-29): The full 30 day bank statement needs to be provided for July for 3697. The printout just reflects 1 day of xxxxxx . Asset report in file reflects borrower is a joint account holder. Further, documentation will need to be provided as to what account the distribution is coming from along with current statements. All borrower accounts are from xxxxxx. Account #1351, 6/2022 has an ending balance of $75,103.59 and account #1377, 5/2022 has an ending balance of $157,833.09. The distribution letter in file states the start date for distributions is July. |  |  | 10/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778569 | xxxxxx | 26875015 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-26): The client elects to waive. |  |  | 09/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778569 | xxxxxx | 26875016 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $478.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2022-09-22): Sufficient Cure Provided At Closing |  | 09/22/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778569 | xxxxxx | 26875031 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-09-30): A CDA was received.<br>Reviewer Comment (2022-09-28): CDA will be ordered | 09/30/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777911 | xxxxxx | 26879381 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-04): Received gap credit report dated xxxxxx Exception cleared. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777911 | xxxxxx | 26879385 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File is missing final title and/or title commitment. |  | Reviewer Comment (2022-10-05): Title provided | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777911 | xxxxxx | 26879391 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-05): Received clearance report dated xxxxxx addressing all red flags. Exception cleared. | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777911 | xxxxxx | 26879394 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-03): Client elects to waive |  |  | 10/03/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772143 | xxxxxx | 26879723 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing credit report gap. |  | Reviewer Comment (2022-09-29): UDM provided | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772143 | xxxxxx | 26879770 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal was made subject to and however a 442 image or certificate of completion was not provided in file. |  | Reviewer Comment (2022-10-03): Exception cleared received appraisal document wherein Appraisal was made "AS is "<br>Reviewer Comment (2022-09-30): Please review the top of page 1: I did analyze the contract for the subject purchase transaction. Arms Length sale; the subject is under contract for xxxxxx . The contract was analyzed, reviewed, and appears to be standard. The appraiser is not a legal expert." Based on these comments, the appraisal should not have been made subject to an executed purchase contract. Provide the updated appraisal and evidence of delivery or the 442. | 10/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772143 | xxxxxx | 26879893 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrowers three business days prior to consummation. |  | Reviewer Comment (2022-09-27): The client elects to waive. |  |  | 09/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772143 | xxxxxx | 26879894 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | A finance charge occurred due to the title NY state sales tax xxxxxx. |  | Reviewer Comment (2022-10-10): SitusAMC received title company attestation as to fees associated with sales tax, which are not finance charges.<br>Reviewer Comment (2022-10-07): New documentation from Title was not located in loan file. Please re-upload attestation letter for review.<br>Reviewer Comment (2022-10-03): SitusAMC analyzes sales tax on a fee by fee basis to determine when it is included as an APR fee. If the sales tax is on a finance charge, we will include the sales tax on that item as a finance charge. If the tax is on a non-APR fee, then we will not include the item in the finance charges. The reason for this analysis is that the borrower would not need to pay sales tax on that item if it were a cash transaction. <br> We need to determine the title service the sales tax is associated with to determine if the sales tax is a non-APR fee. We are not requesting a settlement agent to attest to an APR calculation, we are asking for information explaining what service(s) are associated with the sales tax.<br> The lender may provide one of the following to allow us to further analyze the sales tax:<br> 1. Generic LOE to borrower and corrected CD with a more specific sales tax fee name, (i.e. Title-Lender title insurance Sales Tax);<br> 2. Specific LOE to borrower that indicates the sales tax should have been named differently (i.e. Title - Sales tax on Document Preparation, etc); or<br> 3. Attestation from the settlement agent that specifies the purpose of the title service that was taxed<br> If the sales tax is not associated with an APR fee, then it will be removed from the APR calculation. If the sales tax is associated with an APR fee, it will be included in the calculation and a cure will be required. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772143 | xxxxxx | 26879938 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 32,982.24 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | Non-escrowed property cost over year one in the amount of $32,982.24 does not match the actual amount used. |  | Reviewer Comment (2022-09-27): The client elects to waive. |  |  | 09/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777656 | xxxxxx | 26880705 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement, Paystubs | Per guidelines for a full documentation, self-employed borrower, if the tax return date exceeds 90 days from the note date, a YTD P&L, signed and dated by the borrower, is required, which was not provided. Further, if borrower pays themselves a wage, a YTD paystub must be included in the file, which was not provided. |  | Reviewer Comment (2022-10-19): Signed and dated P&L provided and paystubs<br>Reviewer Comment (2022-10-19): No new additional documents received for this condition. Please try uploading again.<br>Reviewer Comment (2022-10-07): P&L provided is signed but not dated by the borrower as required per guidelines. Further, the borrower provides themselves a wage, therefore paystubs are also required. | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777656 | xxxxxx | 26880738 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to the proceeds from the pending sale of the departure residence being dated post-consummation date. |  | Reviewer Comment (2022-10-17): Estimated SS provided which is sufficient. Exception set for Final SS for final figures. | 10/17/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777656 | xxxxxx | 26880739 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Net Proceeds from Sale of Real Estate/Equity On Pending Sale) | Borrower is using funds from the pending sale on their departure residence for the subject transaction; however, the closing statement provided is dated xxxxxx , which is post-consummation date of xxxxxx of the subject loan. Compliance testing is based on consummation date, not funding date. |  | Reviewer Comment (2022-10-17): Estimated SS provided which is sufficient. Exception set for Final SS for final figures. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777656 | xxxxxx | 26880740 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to the proceeds from the pending sale of the departure residence being dated post-consummation date. |  | Reviewer Comment (2022-10-17): Estimated SS provided which is sufficient. Exception set for Final SS for final figures. | 10/17/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777656 | xxxxxx | 26988908 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Preliminary closing statement in file for sale of REO property. Pending receipt of final, signed/stamped statement. |  | Reviewer Comment (2022-10-18): Final SS provided | 10/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776194 | xxxxxx | 26885600 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-10-04): FTP provided | 10/04/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776194 | xxxxxx | 26885681 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Provide the new scored report dated prior to closing. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-04): Per guidelines, the age of the credit report cannot be dated no more than 90 days from the date of closing. The Note date is not the date of closing. Closing date per the DOT was xxxxxx |  |  | 10/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776194 | xxxxxx | 26885707 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects an additional unit number. |  | Reviewer Comment (2022-10-10): Corrected HOI provided<br>Reviewer Comment (2022-10-04): Evidence will need to be provided regarding the seller's comments on xxxxxx from the insurance agent. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776194 | xxxxxx | 26885743 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-10-04): FTP provided | 10/04/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776194 | xxxxxx | 26894380 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx executed the Guarantor Agreement, however no credit documents were provided for this individual (i.e. 1003, credit report, Fraud Report, ID, etc). | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776194 | xxxxxx | 26897165 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2022-10-06): Received Hazard Insurance with updated Lender and ISOA | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778028 | xxxxxx | 26883951 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  |  |  | Reviewer Comment (2022-10-12): Email from agent provided regarding coverage<br>Reviewer Comment (2022-10-11): The invoice does not clear this condition. No evidence was provided that the max flood insurance allowed for a condo in the state of xxxxxx is $100,000<br>Reviewer Comment (2022-10-03): The blanket HOI was provided which states exclude flood insurance. Provide the blanket HOA flood policy or the individual's policy reflecting sufficient coverage. | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778028 | xxxxxx | 26884451 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.18561% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.18561%). |  |  | Reviewer Comment (2022-09-28): The client elects to waive. |  |  | 09/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778028 | xxxxxx | 26884453 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $585.00+L1369 exceeds tolerance of $580.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2022-09-26): Sufficient Cure Provided At Closing |  | 09/26/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777065 | xxxxxx | 26885272 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | New Jersey Home Loan (Late Charge) | New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. |  |  | Reviewer Comment (2022-10-11): Client elects to waive<br>Reviewer Comment (2022-10-11): Regarded due to amended late charge to cap at state limits.<br>Reviewer Comment (2022-10-11): Pending investor approval which was part of the downgrade provisions,.<br>Reviewer Comment (2022-10-05): Escalated Review: SitusAMC would be agreeable to downgrading late charge exceptions in New Jersey to EV2 assuming there is a unilateral letter to the borrower explaining that the late charge is being amended in the borrower's favor. We are comfortable with this position because in the NJ statute, the language is simply that the creditor or servicer may not charge late fees in excess of those set forth in those laws. Conversely, in a state like New Mexico, the language states that a creditor "may not make" a home loan with a late charge that exceeds the statutory limits. Therefore, in NM, they advised us to leave it as an EV3.<br> In order to downgrade to EV2-B, we would need (1) confirmation from client (Verus) that they are comfortable with this approach; (2) a letter to borrower which states the amended late charge is in the borrower's favor and in compliance with the NJ home loan statutes of no less than 15 days or 5% of the payment; (3) proof of delivery; and (4) attestation/evidence no late charge in excess of state maximum limits have been assessed. |  |  | 10/11/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887726 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-09-28): Client elects to waive |  |  | 09/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887727 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.26780% or Final Disclosure APR of 9.29700% is in excess of allowable threshold of APOR 6.09% + 2.5%, or 8.59000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-10-04): Appraisal delivery provided | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887728 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-10-04): Appraisal delivery provided | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887729 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.11210% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .11210%). |  |  | Reviewer Comment (2022-09-28): Client elects to waive |  |  | 09/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887730 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The loan does not meet the Loan Designation of Non QM due to the file is missing a business bank statement for xxxxxx 22 for Borrower 1's account ending #5528. |  | Reviewer Comment (2022-10-10): Additional bank statement provided<br>Reviewer Comment (2022-10-05): The account number is blacked out on the statements. Provide an unaltered statement for review. | 10/10/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887731 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (xxxxxx xxxxxx xxxxxx/Bank Statements) | The file is missing a business bank statement for xxxxxx 22 for Borrower 1's account ending #5528. |  | Reviewer Comment (2022-10-10): Additional bank statement provided<br>Reviewer Comment (2022-10-05): The account number is blacked out on the statements. Provide an unaltered statement for review. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887732 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The loan does not meet the ATR Requirements due to the file is missing a business bank statement for xxxxxx 22 for Borrower 1's account ending #5528. |  | Reviewer Comment (2022-10-10): Additional bank statement provided | 10/10/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887735 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Tie-In Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77113) | The Loan Tie-In Fee increased from $0.00 on the initial Loan Estimate to $300.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-10-14): SitusAMC received additoinal information on fee, borrower shoppable fee.<br>Reviewer Comment (2022-10-14): SitusAMC received lender rebuttal. Please provide an LOE for the same.<br>Reviewer Comment (2022-10-11): SitusAMC received lender rebuttal stating "COC clearly states that the borrower shopped for services", however, 'Loan-Tie In fee' is not a title fee & was not disclosed on LE under 'Services You Can Shop For' section. COC dated xxxxxx does not provide sufficient information why the fee was required/added on 9/1 CD. In order to determine if the changed circumstance is valid more information is necessary on reason fee was added. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2022-10-06): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the loan tie - in fee was added and also the loan tie - in fee is not a title fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887746 | xxxxxx | xxxxxx | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. | Borrower: xxxxxx xxxxxx employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx Statement Period Months provided: 11, | The guidelines require 12 months of bank statements; however, the file is missing the statement for xxxxxx 22 for Borrower 1's business account ending #5528. |  | Reviewer Comment (2022-10-10): Additional bank statement provided<br>Reviewer Comment (2022-10-05): The account number is blacked out on the statements. Provide an unaltered statement for review. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887752 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Form 1007 or 1025, with Market Rents, Other, Statement | The file is missing a copy of the mortgage statement or other documentation to confirm the property taxes and insurance are included in the mortgage payment for the departing residence. Further for departure residences turn rentals, if rental income is utilized to qualify, 1007 estimated rents and 2 months rent receipts are required. (Lease Agreement in file) | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-20): The client elects to waive.<br>Reviewer Comment (2022-10-11): Pending receipt of Market Rent Analysis, Single Family Comparable Rent Schedule (xxxxxx® Form 1007) on departure residence for use of rental income.<br>Reviewer Comment (2022-10-06): Received Security Deposit and 1 Month Rent Receipts. The file is missing a copy of the mortgage statement or other documentation to confirm the property taxes and insurance are included in the mortgage payment for the departing residence. Further for departure residences turn rentals, if rental income is utilized to qualify, 1007 estimated rents |  |  | 10/20/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26887809 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan does not meet the ATR Requirements due to the file is missing a business bank statement for xxxxxx 22 for Borrower 1's account ending #5528. |  | Reviewer Comment (2022-10-10): Additional bank statement provided<br>Reviewer Comment (2022-10-05): The account number is blacked out on the statements. Provide an unaltered statement for review. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | 26942453 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2022-10-10): Additional bank statement provided | 10/10/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777817 | xxxxxx | 26890729 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Reviewer Comment (2022-10-06): Title supplement provided | 10/06/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777817 | xxxxxx | 26890950 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $280.00 plus 10% or $308.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Ten percent tolerance exceeded. |  | Reviewer Comment (2022-09-27): Sufficient Cure Provided At Closing |  | 09/27/2022 |  | 1 A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777817 | xxxxxx | 26891166 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeowner counseling organization does not reflects the list date. |  | Reviewer Comment (2022-09-29): The client elects to waive. |  |  | 09/29/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775712 | xxxxxx | 26891580 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-10-04): Exception is cleared received Approval document | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775712 | xxxxxx | 26892044 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file does not contain documentation to verify the rate lock date. |  | Reviewer Comment (2022-09-28): Client elects to waive |  |  | 09/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775712 | xxxxxx | 26892045 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-09-28): Client elects to waive |  |  | 09/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775712 | xxxxxx | 26892103 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The updated hazard insurance policy reflects the lender only. |  | Reviewer Comment (2022-10-04): Updated HOI provided<br>Reviewer Comment (2022-10-04): The policy provided is an older policy which now reflects insufficient HOI coverage. Provide the updated policy with an effective date of xxxxxx that reflects sufficient HOI coverage that has the mortgagee+ ISAOA. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777539 | xxxxxx | 26892441 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Gift Funds: $25,000: When the funds are not transferred prior to settlement, the lender must document that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, or other official check. |  | Reviewer Comment (2022-10-05): Two Wire Confirmation supporting 12,500 each in total 25,000 was provided as proof of fund.<br>Reviewer Comment (2022-10-04): We want proof for gift fund $25,000. However, the provided proof of fund is for amount $12,500. Please provide the proof for $25,000. Exception remains. | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777539 | xxxxxx | 26892442 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Gift Funds: $100,000: When the funds are not transferred prior to settlement, the lender must document that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, or other official check. |  | Reviewer Comment (2022-10-04): Proof of funds provided. Refer doc id # D0275, D0274. Hence, exception cleared. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778149 | xxxxxx | 26892393 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided |  | The co-borrower signed as Power of Attorney (POA) for the borrower. The POA was not provided. |  | Reviewer Comment (2022-10-03): POA document provided. Refer doc id # D0246. Hence, exception cleared. | 10/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778149 | xxxxxx | 26893677 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The loan and vesting is in the name of a trust; however, the file is missing a copy of the trust agreement. |  | Reviewer Comment (2022-10-03): Document provided. Refer doc id # D0248. Hence, exception cleared. | 10/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778149 | xxxxxx | 26893703 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 6.44546% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 1.44546%). |  |  | Reviewer Comment (2022-09-28): Client elects to waive |  |  | 09/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 778149 | xxxxxx | 26893730 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement | The guidelines require documentation for one tax year of income and expenses to use as a qualifying income source for a short term lease. The borrower rents the property located on xxxxxx as a short term rental. The file contains a VRBO printout; however, it is not legible. |  | Reviewer Comment (2022-10-18): xxxxxx ledger provided<br>Reviewer Comment (2022-10-14): The document is still not legible. It is possible the upload is causing the issue. You will need to email the document to the investor directly to email tot he DD firm.<br>Reviewer Comment (2022-10-11): The document is still not legible. It is possible the upload is causing the issue. You will need to email the document to the investor directly to email tot he DD firm. | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778149 | xxxxxx | 26893843 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Per guidelines, the subject property cannot be greater than 20 acres. |  | The guidelines do not allow properties with more than 20 acres. The appraisal report reflects the property is xxxxxx acres. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-18): Lender would like to waive |  |  | 10/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778149 | xxxxxx | 26893854 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 7.57 is less than Guideline PITIA months reserves of 14.00. | The guidelines require 6 months reserves plus 2 months for using rental income from the 1007 without having a lease agreement and an additional 6 months for owning other REOs for a total of 14 months of reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-14): Lender would like to waive. Reserves are short 6.43 months |  |  | 10/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | 26893838 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing credit report gap. |  | Reviewer Comment (2022-10-05): Received credit gap report for both the borrowers. Exception cleared.<br>Reviewer Comment (2022-10-04): Received the same credit report dated xxxxxx To clear this condition we need, a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Exception remains. | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | 26893856 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing verification of rent/mortgage for the borrower's and co-borrower's current address. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-04): To clear this condition, we need a VOR as the borrower is staying on rent since last 3 years. Also if the VOR is completed by a private party or any non-institutional xxxxxx must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.)a Please provide the same. Please provide the same. Exception remains. |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | 26894297 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeowner counseling organization was not provided to the borrower. |  | Reviewer Comment (2022-09-30): The client elects to waive. |  |  | 09/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | 26898431 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter provided is not dated. Provide the gift letter with a date prior to closing. |  | Reviewer Comment (2022-10-12): Exception cleared gift letter along with wire confirmation received<br>Reviewer Comment (2022-10-06): Gift letter provided has mismatch font fields for amount (increased to $90K), source of gift funds and applicant name as well as the document is still not dated. Further, the wire for receipt of gift was not provided.<br>Reviewer Comment (2022-10-04): Signing date still not provided on gift letter. So, exception remains same. | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | 26898946 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xxxxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Initial xxxxxx) | Closing Disclosure does not reflect an issue date. |  | Reviewer Comment (2022-10-14): SitusAMC received confirmation of issue date.<br>Reviewer Comment (2022-10-12): The CD was received and signed by the borrower and has to be included in testing. Please provide letter of attestation in regard to the date of issue for document 156 to complete testing.<br>Reviewer Comment (2022-10-07): All CDs provided in the loan file must be tested. Document 156 has no issued date on page 1 under issue date, shows a printed issue date of xxxxxx at 2:19pm PST in the lower left corner of the document, The CD was signed by the borrower at 14:51 PDT. Please provide attestation regarding the CD issue date for testing.<br>Reviewer Comment (2022-10-04): CD missing issue date was issued on xxxxxx at 2:19pm per date stamp. Please provide CD matching date stamp with issue date. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | 26958408 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Gift Letter and receipt dated post closing. |  | Reviewer Comment (2022-10-13): Non-QM | 10/13/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | 26958409 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | Gift Letter and receipt dated post closing. |  | Reviewer Comment (2022-10-13): Client elects to waive<br>Reviewer Comment (2022-10-13): Exception regraded to EV2-B based on comp factors and gift letter evidencing no repayment of gift is expected. |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775730 | xxxxxx | 26898462 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.67830% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.67830%). |  |  | Reviewer Comment (2022-09-30): Client elects to waive |  |  | 09/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775730 | xxxxxx | 26898464 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7522) | Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. It is noted fee name of Document Preparation Fee was not disclosed on Initial LE. |  | Reviewer Comment (2022-10-07): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check. |  | 10/07/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775730 | xxxxxx | 26907870 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Verification of Security Deposit | The bank statements provided only reflect one deposit for $4,500 for the departure residence. Guidelines require both 1 months rent and security deposit. |  | Reviewer Comment (2022-10-06): Additional documents provided | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777439 | xxxxxx | 26898540 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-04): Received gap credit report dated xxxxxx Exception cleared. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777439 | xxxxxx | 26898677 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 6.61637% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 1.61637%). |  |  | Reviewer Comment (2022-09-30): Client elects to waive |  |  | 09/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 777439 | xxxxxx | 26898678 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Borrower is paying off personal debt through closing. Loan is a Consumer Purpose Investment property and subject to ATR/TRID. Prepayment Penalty is not allowed. |  | Reviewer Comment (2022-10-13): PC-CD, LOE to borrower, evidence of delivery and Final SS provided to verify no debts paid through closing. Loan is a business purpose investment property. Condition no longer applies.<br>Reviewer Comment (2022-10-07): Email to client: If the debts were never paid through closing, the following will be required:<br>1) The Final stamped/signed settlement statement verifying debts were not paid through closing<br> 2) Corrected PC-CD, LOE to borrower, and evidence of delivery<br> 3) Updated 1008/1003 adding back in the debt | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777439 | xxxxxx | 26898686 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-06): Received verification for xxxxxx. Exception cleared.<br>Reviewer Comment (2022-10-04): Missing verification for xxxxxx from xxxxxx. All red flags are not addressed. Exception remains. | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778890 | xxxxxx | 26905263 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Per the 1003 in file, borrower has no ownership in Primary Residence. |  | Reviewer Comment (2022-10-06): Corrected 1003 provided<br>Reviewer Comment (2022-10-04): The 1003 provided now has the owned box checked which is still incorrect. The borrower has no ownership in the primary residence. No primary housing expense should be checked which is what this box is for on the new 1003 form. The updated 1003 does not need to be executed or initialed, only corrected. | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 776564 | xxxxxx | 26905173 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for transferred appraisal with no transfer letter. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-07): Client elects to waive with verified compensation factors |  |  | 10/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776564 | xxxxxx | 26905176 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Per guidelines, credit repot age is 90 days. Provide the new scored repot dated prior to closing. |  | Reviewer Comment (2022-10-06): Client requested re-review to lender's 8.2022 guidelines. No age of document requirements<br>Reviewer Comment (2022-10-05): The Amres guidelines, dated 4.2022 which was provided to us by the investor, on page 40 state "All credit, asset statements, and title policy must be dated no more than 90 days from the Note date, and ext maximum of 120 days for the appraisal. | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776564 | xxxxxx | 26905180 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Per guidelines, C/O can only be utilized for reserves on exception basis. |  | Reviewer Comment (2022-10-06): Client requested re-review to lender's 8.2022 guidelines. Allows C/O to be utilized for reserves without an exception.<br>Reviewer Comment (2022-10-05): The Amres Guidelines, dated 4.2022, provided to us by the investor, page 14, states Cash back to cover required reserves will be reviewed as an exception only. | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777519 | xxxxxx | 26901859 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-10-07): Approval commitment document provided. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777519 | xxxxxx | 26902154 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance policy reflects coverage of $410,000; however, the replacement cost estimator reflects $410,064 | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-07): Client elects to waive with verified compensation factors |  |  | 10/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777519 | xxxxxx | 26902158 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx | The guidelines require ACH for all Foreign Nationals. The file does not contain a signed ACH form. |  | Reviewer Comment (2022-10-07): ACH received. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777519 | xxxxxx | 26902250 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided |  | The guidelines require the assets to be verified in U.S. Dollar equivalency. The file contains the most recent printout dated xxxxxx with $177,475.48 xxxxxx; however, the file does not contain the required currency converter. |  | Reviewer Comment (2022-10-14): Currency conversion provided | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777519 | xxxxxx | 26938285 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Assets held in foreign accounts may be used as a source of funds to close and to meet applicable reserve requirements. These funds must be transferred to a U.S. domiciled account in the borrower's name at least ten (10) days prior to closing. Funds for closing were transferred for closing and being held by the escrow agent, however there is no evidence sufficient reserves were transferred to a US bank account 10 days prior to closing. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-14): The documents provided were already in file at time of review. Per the condition, we already have the funds to close transfers for closing 10 days prior to closing. What is also required is sufficient reserves to also be transferred to a US bank account 10 days prior to closing, which was not provided. |  |  | 10/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776513 | xxxxxx | 26904547 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.94877% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .94877%). |  |  | Reviewer Comment (2022-09-30): Client elects to waive |  |  | 09/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776513 | xxxxxx | 26904549 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $525.00 exceeds tolerance of $455.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2022-09-29): Sufficient Cure Provided At Closing |  | 09/29/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776513 | xxxxxx | 26904551 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-09-30): Client elects to waive |  |  | 09/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775719 | xxxxxx | 26906206 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | Credit report reflects 1x30 mortgage late xxxxxx. Matrix xxxxxx reflects that a First Time Investor can have no mortgage late payments during the past 36 Months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-16): Client elects to waive with verified compensation factors |  |  | 11/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775719 | xxxxxx | 26906207 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-13): Received fraud report addressing all red flags. Exception cleared. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775719 | xxxxxx | 26906208 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-10-31): Signed Ops Agreement provided<br>Reviewer Comment (2022-10-31): The Operating Agreement provided is still not executed.<br>Reviewer Comment (2022-10-27): Operating agreement is not executed. Please provide Sign and dated Document. Exception Remains. | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777102 | xxxxxx | 26909106 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing credit report gap. |  | Reviewer Comment (2022-10-18): Gap provided | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777102 | xxxxxx | 26909142 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement | The mortgage statement and insurance are missing for the property |  | Reviewer Comment (2022-10-13): Property profile report provided. Land only. No HOI. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777102 | xxxxxx | 26909172 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal document was not provided to the borrower three business days prior to consummation. |  | Reviewer Comment (2022-10-06): Client elects to waive |  |  | 10/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777102 | xxxxxx | 26909173 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.69920% or Final Disclosure APR of 8.71300% is in excess of allowable threshold of APOR 5.20% + 2.5%, or 7.70000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the borrower was provided with a copy of the appraisal 3 business days prior to closing |  | Reviewer Comment (2022-10-25): Evidence of appraisal delivery was provided. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777102 | xxxxxx | 26909174 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the borrower was provided with a copy of the appraisal 3 business days prior to closing |  | Reviewer Comment (2022-10-25): Evidence of appraisal delivery was provided. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777102 | xxxxxx | 26909175 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | A lock agreement was not provided to the borrower. |  | Reviewer Comment (2022-10-05): The client elects to waive. |  |  | 10/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777102 | xxxxxx | 26909176 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership counseling organization was not provided to the borrower. |  | Reviewer Comment (2022-10-05): The client elects to waive. |  |  | 10/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777102 | xxxxxx | 26909177 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period) | Texas Constitution Section 50(a)(6): Loan closed prior to expiration of 12-day cooling off period as required by Section 50(g) and Section 50(a)(6)(M)(i). |  |  | Reviewer Comment (2022-10-06): Client elects to waive<br>Reviewer Comment (2022-10-06): File contains a Notice Concerning Extensions of Credit dated and signed at closing as well as a signed 12 day acknowledgment. |  |  | 10/06/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777102 | xxxxxx | 26931859 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | Borrower is 1x30x 12 and 1x60x12. Per the xxxxxx matrix, 0x90x12 does not allow refinances (reflects xxxxxx Investor exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-06): Client elects to waive with verified compensation factors |  |  | 10/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777102 | xxxxxx | 26931974 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | 1st high risk red flag not addressed |  | Reviewer Comment (2022-10-17): Cleared report provided<br>Reviewer Comment (2022-10-14): A new fraud report was provided from FraudPlus, however the high risk red flags on that report are not cleared either. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777532 | xxxxxx | 26909147 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-11-08): FTP provided | 11/08/2022 |  |  | 1 A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 26909202 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | xxxxxx Provide the new scored report dated prior to closing. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 26920545 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx: The credit report used to evaluate a loan may not reflect a security freeze. If the borrower(s) unfreeze credit after the date of the original credit report, a new tri-merged report must be obtained to reflect current and updated information from all repositories. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 26920548 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the borrowers' primary residence. If from a private xxxxxx, cancelled checks will also be required. |  | Reviewer Comment (2022-10-25): LOX was provided and the borrower was living rent-free. | 10/25/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 26920551 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the liens paid through closing. |  | Reviewer Comment (2022-10-24): FCI mortgage payoff reflects no lates as well as mortgage statements provided.<br>Reviewer Comment (2022-10-21): Same statements were provided that were provided before. The statements are missing payments listed for months 7/2022, xxxxxx 21, xxxxxx 21, xxxxxx 21, & 9/2021 for both loans #5855 and #5858 with addresses of xxxxxx and xxxxxx. Further, the statements provide 2 different loan numbers and addresses, however only 1 was paid through closing. | 10/24/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 26920567 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | The CPL reflects more properties than on the loan. |  | Reviewer Comment (2022-10-12): Closing Protection Letter received showing 7 properties, Exception Cleared | 10/12/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 26920601 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The Operating Agreement for xxxxxx is not executed. |  | Reviewer Comment (2022-10-12): Received executed copy of Operating Agreement for xxxxxx, Exception Cleared | 10/12/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 26920682 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide the lease agreement for Unit xxxxxx for the property located at xxxxxx. |  | Reviewer Comment (2022-10-25): The lease for the xxxxxx unit was provided.<br>Reviewer Comment (2022-10-18): If the property is leased, the guidelines require a lease. Not being able to obtain a lease, the guidelines do not state the property can be considered vacant.<br>Reviewer Comment (2022-10-12): Received duplicate lease agreement which is available in file for xxxxxx. showing Tenant as xxxxxx, Please provide lease agreement for Unit xxxxxx, Exception Remains | 10/25/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 26920712 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Partial Release: 120% of the allocated balance required to be paid to obtain a partial release. The amounts reflected Loan Agreement do not equal 120% of the allocated balance for any property. |  | Reviewer Comment (2022-10-12): Updated loan agreement, approval, LOE and delivery to borrower received. | 10/12/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 26920755 | xxxxxx | xxxxxx | Credit | Investment Product | General | Investment Product | Total Property Loan Amounts does not equal the original loan amount. | Total Property Loan Amounts: xxxxxx ; Original Loan Amount: xxxxxx | Per the loan agreement in file. |  | Reviewer Comment (2022-10-12): Updated loan agreement, approval, LOE and delivery to borrower received. | 10/12/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777532 | xxxxxx | 27013389 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Properties are encumbered by a blanket mortgage per title. |  | Reviewer Comment (2022-11-08): Cleared FTP provided<br>Reviewer Comment (2022-10-31): The same commitment was provided in file. The wire does not clear this condition. Provide the clear title policy. | 11/08/2022 |  |  | 1 A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779103 | xxxxxx | 26907956 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The loan application reflects the borrowers have been renting for their primary residence for 2 years and 7 months; however, the file is missing a copy of the VOR. If from a non-institutional or private xxxxxx, cancelled checks will also be required. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors |  |  | 10/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779103 | xxxxxx | 26908149 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.93 is less than Guideline PITIA months reserves of 6.00. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors |  |  | 10/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779103 | xxxxxx | 26908155 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-10-05): Client elects to waive |  |  | 10/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779103 | xxxxxx | 26908179 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | The guidelines require a letter of explanation for any gaps in employment over 30 days. Borrower 1 has a gap from xxxxxx to xxxxxx which is greater than one month and the file does not contain a letter of explanation. |  | Reviewer Comment (2022-10-17): Gap LOE provided | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779103 | xxxxxx | 26923503 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letters do not reflect the date of transfer which is a guideline requirement. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-17): This is a guideline requirement for the gift letter to have this information. |  |  | 10/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915739 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-13): Received gap credit report dated xxxxxx Exception cleared. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915935 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 85.35920% exceeds Guideline total debt ratio of 45.00000%. | Per the bank statement worksheet in the file, Lender used a 20% expense factor; however, the CPA letter provided indicates the expense factor is 80%. Utilizing the correct expense factor, the DTI exceeds the guideline maximum of 45% for a FTHB. |  | Reviewer Comment (2022-11-10): CPA provided an updated letter stating their was a mistake in the initial letter provided. The updated CPA letter, dated prior to closing reflects a 20% expense factor. Combined with CPA explanation of error, income has been updated to a 20% expense factor and DTI is within guidelines.<br>Reviewer Comment (2022-10-26): Need investor approval to accept.<br>Reviewer Comment (2022-10-26): Please review all 3 CPA Letters and if they are acceptable. All appear to be the same copy with the dates and/or percentage altered.<br>Reviewer Comment (2022-10-24): Both CPA letters are dated the same with the expense ratio changed only. It is not known which is the most recent letter. Further, verification from the CPA will be required. | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915946 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of $1,181.22 is less than AUS required disposable income of $2,500.00. | Residual income requirement of $2,500 not met. Per the bank statement worksheet in the file, Lender used a 20% expense factor; however, the CPA letter provided indicates the expense factor is 80%. Utilizing this expense factor, the residual income is less than the required residual income per guidelines. |  | Reviewer Comment (2022-11-10): CPA provided an updated letter stating their was a mistake in the initial letter provided. The updated CPA letter, dated prior to closing reflects a 20% expense factor. Combined with CPA explanation of error, income has been updated to a 20% expense factor and residual income is within guidelines.<br>Reviewer Comment (2022-10-26): Need investor approval to accept.<br>Reviewer Comment (2022-10-24): Both CPA letters are dated the same with the expense ratio changed only. It is not known which is the most recent letter. Further, verification from the CPA will be required. | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915952 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-14): LOE and SSA check in file<br>Reviewer Comment (2022-10-12): The high risk red flag regarding the SSN was not addressed | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915973 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the LOE from the borrower dated xxxxxx , the large mobile transactions into the co-mingled bank statements are business related, from their customers; however, per the xxxxxx xxxxxx statement, the notes indicate these wires are "transfer of funds to a relative" and "gratis aid". Please provide clarification of the relationship between the borrower and these individuals. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-19): The invoices on the pages provided by the seller in comments on xxxxxx and xxxxxx do not address the deposits referenced in the condition. The deposits in question are $4,970 on xxxxxx , $5,470 on xxxxxx , and $5,000 on xxxxxx . The LOE does not supersede or explain why the deposits reflect "transfer of funds to a relative" and "gratis aid". Investor can elect to waive.<br>Reviewer Comment (2022-10-13): The same LOE was provided that was previously in file. Clarification was not provided as to why the deposits reflect "transfer of funds to a relative" and "gratis aid" as the borrower LOE states these are deposits from a client. The deposits in question are $4,970 on xxxxxx , $5,470 on xxxxxx , and $5,000 on xxxxxx .<br>Reviewer Comment (2022-10-11): The invoices on the pages provided by the seller in comments on xxxxxx do not address the deposits referenced in the condition. Further, clarification was not provided as to why the deposits reflect "transfer of funds to a relative" and "gratis aid" as the borrower LOE states these are deposits from a client. The deposits in question are $4,970 on xxxxxx , $5,470 on xxxxxx , and $5,000 on xxxxxx . |  |  | 11/10/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915988 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915990 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915991 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding the maximum of 45% for a FTHB. |  | Reviewer Comment (2022-11-10): CPA provided an updated letter stating their was a mistake in the initial letter provided. The updated CPA letter, dated prior to closing reflects a 20% expense factor. Combined with CPA explanation of error, income has been updated to a 20% expense factor and DTI is within guidelines.<br>Reviewer Comment (2022-10-26): Need investor approval to accept.<br>Reviewer Comment (2022-10-24): Both CPA letters are dated the same with the expense ratio changed only. It is not known which is the most recent letter. Further, verification from the CPA will be required. | 11/10/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915992 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding the maximum of 45% for a FTHB. |  | Reviewer Comment (2022-11-10): CPA provided an updated letter stating their was a mistake in the initial letter provided. The updated CPA letter, dated prior to closing reflects a 20% expense factor. Combined with CPA explanation of error, income has been updated to a 20% expense factor and DTI is within guidelines.<br>Reviewer Comment (2022-10-26): Need investor approval to accept.<br>Reviewer Comment (2022-10-24): Both CPA letters are dated the same with the expense ratio changed only. It is not known which is the most recent letter. Further, verification from the CPA will be required. | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915993 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 85.35920% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Per the bank statement worksheet in the file, Lender used a 20% expense factor; however, the CPA letter provided indicates the expense factor is 80%. Utilizing the correct expense factor, the DTI exceeds the guideline maximum of 45% for a FTHB. |  | Reviewer Comment (2022-11-10): CPA provided an updated letter stating their was a mistake in the initial letter provided. The updated CPA letter, dated prior to closing reflects a 20% expense factor. Combined with CPA explanation of error, income has been updated to a 20% expense factor and DTI is within guidelines.<br>Reviewer Comment (2022-10-26): Need investor approval to accept.<br>Reviewer Comment (2022-10-24): Both CPA letters are dated the same with the expense ratio changed only. It is not known which is the most recent letter. Further, verification from the CPA will be required.<br>Reviewer Comment (2022-10-19): Exception Detail Updated from: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 81.81433% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915994 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was provided; however, it is not dated. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | 26915996 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-1,485.00. (9300) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-10-11): SitusAMC received VCC. | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776983 | xxxxxx | 26915695 | xxxxxx | xxxxxx | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxxxx County Threshold Loan (Points and Fees) | xxxxxx County Predatory Lending Ordinance: Points and Fees on subject loan of 5.03968% is in excess of the allowable maximum of 5.00000% of the County Total Loan Amount. Points and Fees total xxxxxx on a County Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .03968%). Compliant High Cost Loan. |  |  | Reviewer Comment (2022-10-06): Client elects to waive |  |  | 10/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776983 | xxxxxx | 26915831 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-10): Received credit gap report dated xxxxxx which is within 10 days of note date. Exception cleared. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | 26926135 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.50798% exceeds Guideline total debt ratio of 45.00000%. | The guidelines allow for a maximum DTI of 45% for an individual living rent free. The Lender qualified the loan with a DTI of 48.121%. The increase in DTI is due to Lender using income of $12,373; however, the verified income is $9,924.51. The Lender did not include all transfers from other accounts and payroll deposits that are not associated with the borrower's business. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-03): Lease + 2 months rent receipts provided. Lease amount can only be utilized at a 75% vacancy factor. DTI is still excessive. New DTI is 52.50798% when max is 45%.<br>Reviewer Comment (2022-11-03): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 60.25396% exceeds Guideline total debt ratio of 45.00000%.<br>Reviewer Comment (2022-10-13): If rental income is being added, all the requirements on page 103 of the xxxxxx 4.2022 Guidelines must be met along with an updated 1003/1008 • A copy of the lease(s) for the rental property.<br> • Must provide two (2) months of proof of the receipt of rental income. The deposits must be to a separate bank account. Any deposits in the business bank statements used in the business income analysis are not eligible.<br> o 75% of the verified monthly rental income can be used to offset the PITIA of the rental property.<br> o If the deposits cannot be validated in a separate account, the full PITIA of the rental unit must be included in the qualifying DTI ratio. |  |  | 11/04/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | 26926149 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The file contains documentation that the borrower received the appraisal report on xxxxxx ; however, the appraisal report in the file is dated xxxxxx . There is no evidence in the file that the borrower received a copy of the final appraisal report. |  | Reviewer Comment (2022-10-07): The client elects to waive. |  |  | 10/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | 26926151 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan does not meet the Loan Designation of Non QM due to the verified DTI exceeds the guideline maximum DTI of 45%. |  | Reviewer Comment (2022-11-07): Non QM.<br>Reviewer Comment (2022-11-03): Lease + 2 months rent receipts provided. Lease amount can only be utilized at a 75% vacancy factor. DTI is still excessive. New DTI is 52.50798% when max is 45%.<br>Reviewer Comment (2022-10-13): If rental income is being added, all the requirements on page 103 of the xxxxxx 4.2022 Guidelines must be met along with an updated 1003/1008 • A copy of the lease(s) for the rental property.<br> • Must provide two (2) months of proof of the receipt of rental income. The deposits must be to a separate bank account. Any deposits in the business bank statements used in the business income analysis are not eligible.<br> o 75% of the verified monthly rental income can be used to offset the PITIA of the rental property.<br> o If the deposits cannot be validated in a separate account, the full PITIA of the rental unit must be included in the qualifying DTI ratio. | 11/07/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | 26926152 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan does not meet the ATR requirements due to the verified DTI exceeds the guideline maximum DTI of 45%. |  | Reviewer Comment (2022-11-04): Client elects to waive with verified compensation factors. Condition no longer applies.<br>Reviewer Comment (2022-11-03): Lease + 2 months rent receipts provided. Lease amount can only be utilized at a 75% vacancy factor. DTI is still excessive. New DTI is 52.50798% when max is 45%. | 11/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | 26926153 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.50798% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The guidelines allow for a maximum DTI of 45% for an individual living rent free. The Lender qualified the loan with a DTI of 48.121%; however, the verified DTI . The increase in DTI is due to Lender using income of $12,373; however, the verified income is $9,924.51. The Lender did not include all transfers from other accounts and payroll deposits that are not associated with the borrower's business. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-03): Lease + 2 months rent receipts provided. Lease amount can only be utilized at a 75% vacancy factor. DTI is still excessive. New DTI is 52.50798% when max is 45%.<br>Reviewer Comment (2022-10-13): If rental income is being added, all the requirements on page 103 of the xxxxxx 4.2022 Guidelines must be met along with an updated 1003/1008 • A copy of the lease(s) for the rental property.<br> • Must provide two (2) months of proof of the receipt of rental income. The deposits must be to a separate bank account. Any deposits in the business bank statements used in the business income analysis are not eligible.<br> o 75% of the verified monthly rental income can be used to offset the PITIA of the rental property.<br> o If the deposits cannot be validated in a separate account, the full PITIA of the rental unit must be included in the qualifying DTI ratio. |  |  | 11/04/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | 26926154 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-10-07): The client elects to waive. |  |  | 10/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | 26926157 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The Appraisal Re-inspection Fee increased from $0.00 on the initial Loan Estimate to $175.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-10-13): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |  | 10/13/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | 26926169 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Certificate reflects the property address as xxxxxx; however, the Note reflects the subject address as xxxxxx. |  | Reviewer Comment (2022-10-13): Updated flood cert provided | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | 26926174 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-10-11): 442 provided | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777531 | xxxxxx | 26923609 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeownership counseling organization list was not provided to the borrower. |  | Reviewer Comment (2022-10-05): The client elects to waive. |  |  | 10/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777531 | xxxxxx | 26923610 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Closing disclosure document not provided to the borrower at least three business days prior to closing. |  | Reviewer Comment (2022-10-11): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778566 | xxxxxx | 26919723 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $1,466.00 is less than Cash From Borrower $6,758.00. | The Final CD CD shows POCB fees with no paid invoices in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-05): The same comments were provided that were previously rejected. The effective dates of the policy are not being questions. POCB fees are included in the overall cash to close. We need the paid invoice for the HOI premium. The document provided does not reflect paid. If this cannot be provided, the investor will need to consider waiving.<br>Reviewer Comment (2022-11-30): The effective dates of the policy are not being questions. POCB fees are included in the overall cash to close. We need the paid invoice for the HOI premium. The document provided does not reflect paid. If this cannot be provided, the investor will need to consider waiving.<br>Reviewer Comment (2022-11-16): The HUD-1 reflecting $0 to close has no bearing on this as the POCB fees are fees borrower had to pay and need to be documented. Paid invoices provided for Flood Insurance and Appraisal. However, the HOI invoice does not reflect paid.<br>Reviewer Comment (2022-11-16): Exception Explanation Updated from: Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $6,758.00. |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 778566 | xxxxxx | 26919729 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Borrower has insufficient or no assets to close. |  | The Final CD CD shows POCB fees with no paid invoices in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-05): The same comments were provided that were previously rejected. The effective dates of the policy are not being questions. POCB fees are included in the overall cash to close. We need the paid invoice for the HOI premium. The document provided does not reflect paid. If this cannot be provided, the investor will need to consider waiving.<br>Reviewer Comment (2022-11-30): The effective dates of the policy are not being questions. POCB fees are included in the overall cash to close. We need the paid invoice for the HOI premium. The document provided does not reflect paid. If this cannot be provided, the investor will need to consider waiving.<br>Reviewer Comment (2022-11-16): The HUD-1 reflecting $0 to close has no bearing on this as the POCB fees are fees borrower had to pay and need to be documented. Paid invoices provided for Flood Insurance and Appraisal. However, the HOI invoice does not reflect paid. |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 778566 | xxxxxx | 26936636 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Foreign National: Provide the form W-8. |  | Reviewer Comment (2022-11-11): W-8 provided | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 778105 | xxxxxx | 26923116 | xxxxxx | xxxxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7 | Note date: xxxxxx ; Lien Position: 1 | The ARR in the file reflects Inconclusive for the value. |  | Reviewer Comment (2022-10-20): CDA provided with a conclusive value | 10/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | 26925297 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The file is missing a verification of mortgage for the subject property loan being paid off. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-13): Please see previous comments. There is a lien being paid off through closing which is attached to the property per the property profile report. It appears the full balance was not originally paid off.<br>Reviewer Comment (2022-10-12): The property profile report does not clear this. The loan is being paid off through closing therefore history is required. |  |  | 10/14/2022 | 2 C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | 26925351 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-10-07): The client elects to waive. |  |  | 10/07/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | 26925352 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file is missing a copy of the initial Closing Disclosure. |  | Reviewer Comment (2022-10-13): SitusAMC received xxxxxx CD received 3 business days prior to consummation. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | 26925353 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | The initial Loan Estimate was dated xxxxxx ; however, the borrower did not receive and sign the Loan Estimate until xxxxxx . |  | Reviewer Comment (2022-10-19): SitusAMC received E-consent dated xxxxxx <br>Reviewer Comment (2022-10-18): SitusAMC received E-disclosure tracking. However, the document provided does not reflect the actual Electronic Consent Agreement Authorization by borrower and only reflects the history of a disclosure sent to borrower that was signed. No entry states "electronic consent approved/authorized. Provide actual E-consent agreement with accepted by borrower within 3 business days from the date xxxxxx of application . | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | 26925354 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $9,375.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73109) | The Mortgage Broker Fee increased from $0.00 on the initial Loan Estimate to $9,375.00 on the final Closing Disclosure without a valid change of circumstance. |  | E-consent date | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | 26925357 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-10-12): FTP provided | 10/12/2022 |  |  | 1 A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | 26925362 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2022-10-12): FTP provided | 10/12/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | 26925370 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-12): Cleared Fraud Report provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | 26925374 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | The file is missing verification of the mortgage payment, taxes and insurance for new primary residence located on xxxxxx. |  | Reviewer Comment (2022-10-12): Note, Final CD, First Payment Letter provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925081 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 51.22850% exceeds Guideline total debt ratio of 50.00000%. | Borrower's DTI of 51.22850%, exceeds guideline allowable maximum of of 50.000%, this is due to the qualifying method used and required per guideline. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925109 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower's DTI of 51.22850%, exceeds guideline allowable maximum of of 50.000%, this is due to the qualifying method used and required per guideline. |  | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors. Condition no longer applies. | 10/12/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925110 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.22850% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower's DTI of 51.22850%, exceeds guideline allowable maximum of of 50.000%, this is due to the qualifying method used and required per guideline. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925111 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeownership counseling organization was not provided to the borrower. |  | Reviewer Comment (2022-10-07): The client elects to waive. |  |  | 10/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925112 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Final CD was not provided to the borrower within three business days prior to closing. |  | Reviewer Comment (2022-10-14): SitusAMC received xxxxxx CD received 3 business days prior to consummation. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925113 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan estimate not provided to the borrower within three business days of the application. |  | Reviewer Comment (2022-10-14): SitusAMC received the initial LE. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925114 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement service provider list not provided to the borrower. |  | Reviewer Comment (2022-10-18): SitusAMC received SSPL. | 10/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925115 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,131.00 exceeds tolerance of $1,690.00 plus 10% or $1,859.00. Insufficient or no cure was provided to the borrower. xxxxxx | Ten percent tolerance exceeded. |  | Reviewer Comment (2022-10-18): SitusAMC received SSPL.<br>Reviewer Comment (2022-10-14): SitusAMC received initial CD dated xxxxxx . The file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services. | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925116 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM Disclosure was not provided to the borrower within three business days of the application. |  | Reviewer Comment (2022-10-19): Updated ARM disclosure provided | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925117 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet not provided to the borrower. |  | Reviewer Comment (2022-10-17): Charm Booklet provided<br>Reviewer Comment (2022-10-14): The disclosure tracking does not state what documents were sent. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925119 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower's DTI of 51.22850%, exceeds guideline allowable maximum of of 50.000%, this is due to the qualifying method used and required per guideline. |  | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors. Condition no longer applies. | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26925141 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-10-07): The client elects to waive. |  |  | 10/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | 26988927 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Reviewer Comment (2022-10-19): Updated CHARM booklet provided | 10/19/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779015 | xxxxxx | 26923412 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-10-12): Ops Agreement provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 779015 | xxxxxx | 26938373 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2022-10-12): Lease agreement provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 779015 | xxxxxx | 26938488 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Borrower Contact Form and the Property Management Agreement. |  | Reviewer Comment (2022-10-12): Additional documents provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 779015 | xxxxxx | 26938492 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Investment Affidavit. |  | Reviewer Comment (2022-10-12): Investment affidavit provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 779015 | xxxxxx | 26938498 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to the Settlement Agent. |  | Reviewer Comment (2022-10-12): Wire Ticket provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 778864 | xxxxxx | 26925480 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Loan is to be securitized, however a secondary valuation was not provided in file. |  | Reviewer Comment (2022-11-02): CDA received | 11/02/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778864 | xxxxxx | 26925697 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778864 | xxxxxx | 26925701 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,377.00 exceeds tolerance of $3,367.00. Insufficient or no cure was provided to the borrower. (8304) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-10-19): SitusAMC received LOX for the GA State Loan fee of $10 is part of the Recording fee and consumer within 0% tolerance requirements. | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778864 | xxxxxx | 27126661 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26931615 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-10-10): Client elects to waive |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26931616 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.98350% or Final Disclosure APR of 9.99300% is in excess of allowable threshold of APOR 5.28% + 2.5%, or 7.78000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the borrower received a copy of the appraisal within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-26): An LOE from the borrower stating they received the appraisal dated xxxxxx <br>Reviewer Comment (2022-10-21): Origination appraisal report and origination appraisal report delivery provided. Pending receipt of delivery of the updated appraisal dated xxxxxx <br>Reviewer Comment (2022-10-17): Appraisal effective date is when the appraiser was assigned the report vs. completed the report. Being a transferred appraisal has no bearing on this condition. The only appraisal we have in file has a completion date of xxxxxx If there is an appraisal report with a completion date of xxxxxx we will need to see that report along with evidence of delivery of the updated appraisal completed xxxxxx <br>Reviewer Comment (2022-10-13): The delivery provided reflects delivered on xxxxxx , however the appraisal completion date is xxxxxx . The appraisal cannot be delivered prior to completion. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26931617 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the borrower received a copy of the appraisal within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-26): An LOE from the borrower stating they received the appraisal dated xxxxxx <br>Reviewer Comment (2022-10-21): Origination appraisal report and origination appraisal report delivery provided. Pending receipt of delivery of the updated appraisal dated xxxxxx <br>Reviewer Comment (2022-10-17): Appraisal effective date is when the appraiser was assigned the report vs. completed the report. Being a transferred appraisal has no bearing on this condition. The only appraisal we have in file has a completion date of xxxxxx If there is an appraisal report with a completion date of xxxxxx we will need to see that report along with evidence of delivery of the updated appraisal completed xxxxxx <br>Reviewer Comment (2022-10-13): The delivery provided reflects delivered on xxxxxx , however the appraisal completion date is xxxxxx . The appraisal cannot be delivered prior to completion. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26931618 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.04208% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .04208%). |  |  | Reviewer Comment (2022-10-10): Client elects to waive |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26931619 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeownership counseling organization was not provided to the borrower with the list update. |  | Reviewer Comment (2022-10-10): Client elects to waive |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26931622 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $152.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (7520) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-10-14): Sufficient cure provided at closing. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26946119 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of receipt of the gift funds. |  | Reviewer Comment (2022-10-13): Wire provided | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26946176 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $27,465.62 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7326) | The COC in file does not reflect a valid reason as to why the Lender Paid Broker Compensation was changed to Borrower Paid Broker Compensation. |  | Reviewer Comment (2022-10-14): SitusAMC received associated comment and COC dated xxxxxx . | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26946182 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Award Letter / Continuance Letter | Per the guidelines, 2 years 1099-R can be provided in lieu of award letter, however the lender provided a 1099-R transcript for 2021 vs the actual 1099-R. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26946184 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Departure Residence: Provide evidence of the 1st month's rent and security deposit for use of rental income. |  | Reviewer Comment (2022-10-13): Rent receipt and security deposit provided | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26946192 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The POA must be transaction specific and contain an expiration date. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2022-10-13): Client elects to waive with verified compensation factors |  |  | 10/13/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | 26982019 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $152.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Sufficient cure provided at closing. |  | Reviewer Comment (2022-10-14): Sufficient Cure Provided At Closing |  | 10/14/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777542 | xxxxxx | 26931846 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month VOR for the borrower's primary residence. If from a private/non-institutional xxxxxx, cancelled checks will also be required. |  | Reviewer Comment (2022-10-21): VOR provided | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777542 | xxxxxx | 26932063 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $300,000.00. |  |  | Reviewer Comment (2022-10-10): Client elects to waive |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777542 | xxxxxx | 26932064 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.39570% or Final Disclosure APR of 9.40500% is in excess of allowable threshold of APOR 5.95% + 1.5%, or 7.45000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the appraisal was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2022-10-19): Appraisal delivery provided | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777542 | xxxxxx | 26932065 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the appraisal was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2022-10-19): Appraisal delivery provided | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777542 | xxxxxx | 26932069 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $695.00 exceeds tolerance of $620.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2022-10-06): Sufficient Cure Provided At Closing |  | 10/06/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777542 | xxxxxx | 26945964 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-18): Clearance report provided | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937473 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file contains a 1008; however, the 1008 does not provide the underwriter's name or signature. |  | Reviewer Comment (2022-10-21): 1008 xxxxxx name provided<br>Reviewer Comment (2022-10-19): The same 1008 was provided. The 1008 must reflect the UW's name. Just says Non-QM UW. | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937520 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance policy reflects coverage of xxxxxx . The subject loan amount is xxxxxx . The appraisal report reflects the estimated cost new as xxxxxx . The coverage is short $19,873. |  | Reviewer Comment (2022-10-26): HOI policy covering the Shortfalls. Exception Cleared.<br>Reviewer Comment (2022-10-19): The RCE reflects replacement cost of $193,811, however dwelling coverage is $129,227. HOI coverage is insufficient. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937526 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-10-14): FTP provided | 10/14/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937529 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-14): FTP provided | 10/14/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937537 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | The guidelines require a minimum loan amount of $150,000. The loan closed in the amount of xxxxxx . The file contains an Investor exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-10): Client elects to waive with verified compensation factors |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937719 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The loan does not meet the Loan Designation of Non QM due to the WVOE not being within 90 days of the note date. |  | Reviewer Comment (2022-11-18): Preclosing VVOE provided<br>Reviewer Comment (2022-10-27): Post-Close income documentation cannot be used to satisfy ATR Fails.<br>Reviewer Comment (2022-10-21): The document provided is dated post-closing and not acceptable | 11/18/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937720 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | The file contains a Written Verification of Employment (WVOE) dated xxxxxx . The note is dated xxxxxx . The WVOE is not dated within 90 days of the note date. The loan is being qualified using overtime income; therefore, an updated WVOE within 90 days of the note date is required. |  | Reviewer Comment (2022-11-18): Preclosing VVOE provided<br>Reviewer Comment (2022-10-27): Post-Close income documentation cannot be used to satisfy ATR Fails.<br>Reviewer Comment (2022-10-21): The document provided is dated post-closing and not acceptable | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937721 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The loan does not meet the ATR requirements due to the WVOE not being within 90 days of the note date. |  | Reviewer Comment (2022-11-18): Preclosing VVOE provided | 11/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937722 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,075.00 exceeds tolerance of $625.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $625.00 on the initial Loan Estimate to $1,075.00 on the Loan Estimate dated xxxxxx . The file does contain a change of circumstance form; however, there is not a valid reason provided for the change. |  | Reviewer Comment (2022-10-17): SitusAMC received clarification from seller & COC dated xxxxxx . | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26937723 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | The Collateral Desktop Analysis Fee increased from $0.00 on the initial Loan Estimate to $165.00 on the Closing Disclosure dated xxxxxx . The file does contain a change of circumstance form; however, there is not a valid reason provided for the change. |  | Reviewer Comment (2022-10-24): SitusAMC Received PCCD, LOE and payment history.<br>Reviewer Comment (2022-10-20): SitusAMC received corrected PCCD with principal reduction for cure and LOE. Missing evidence of principal reduction provided (e.g. screen print, Pay History Summary, Transaction Summary, etc.)<br>Reviewer Comment (2022-10-17): SitusAMC received Changed Circumstance dated xxxxxx ; however, the Collateral Desktop Analysis fee should have been disclosed within 3 days of receipt of the appraisal. It does not give sufficient information on why the Collateral Desktop Analysis fee was Added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 10/24/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26945674 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | A verbal VOE dated no more than 10 calendar days prior to Note date is required. VVOE in file is dated post-closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-18): Cleared in error. Neither VVOE provided is dated within 10 days prior to closing.<br>Reviewer Comment (2022-10-27): A VVOE dated 10 days prior to close was not found.<br>Reviewer Comment (2022-10-21): The WVOE is dated post closing and not acceptable.<br>Reviewer Comment (2022-10-14): The same VVOE was provided that was in file at time of review. The VVOE is dated post closing and not acceptable. |  |  | 11/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26945690 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | The lender's signature is dated post-closing. Cure provisions: Send the executed disclosure to the borrower along with an LOE to borrower and evidence of delivery to the borrower. |  | Reviewer Comment (2022-11-22): Received LOE, proof of delivery to borrower, along with signed disclosure by borrower and lender.<br>Reviewer Comment (2022-10-27): LOE to the borrower and evidence of delivery to the borrower was not found.<br>Reviewer Comment (2022-10-25): LOE to the borrower and evidence of delivery to the borrower was not found.<br>Reviewer Comment (2022-10-21): Received re-executed disclosures, dated post closing, by the lender and borrower. Provide LOE to borrower and evidence of delivery to the borrower to cure. |  | 11/22/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 26945737 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-26): Received gap credit report dated xxxxxx Exception cleared.<br>Reviewer Comment (2022-10-21): The processor cert is not acceptable. The guidelines require a gap credit report or UDM to be provided within 10 days of closing or any time after.<br>Reviewer Comment (2022-10-14): To clear this condition, we need a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Exception remains. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | 27032227 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not provided to borrower at or before closing. | Signed and dated after closing |  | Reviewer Comment (2022-11-22): Received signed disclosure by borrower and lender, along with LOE and proof of e-delivery.<br>Reviewer Comment (2022-10-27): LOE to the borrower and evidence of delivery to the borrower was not found.<br>Reviewer Comment (2022-10-25): LOE to borrower and evidence of delivery to the borrower was not found.<br>Reviewer Comment (2022-10-21): Received re-executed disclosures, dated post closing, by the lender and borrower. Provide LOE to borrower and evidence of delivery to the the borrower to cure. |  | 11/22/2022 |  | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26937359 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-12): Gap provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26937389 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month VOR for the borrower's primary residence. If from a non-institutional or private xxxxxx, cancelled checks will also be required. |  | Reviewer Comment (2022-10-26): Received VOR and 7 Months Payments History. Exception Cleared | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26937991 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Provide evidence that the borrower received a copy of the appraisal 3 business days prior to consummation. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26937992 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.67640% or Final Disclosure APR of 9.68000% is in excess of allowable threshold of APOR 5.73% + 1.5%, or 7.23000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence that the borrower received a copy of the appraisal 3 business days prior to consummation. |  | Reviewer Comment (2022-11-15): Client elects to waive; SOL 1 year expires xxxxxx <br>Reviewer Comment (2022-10-14): Received updated appraisal dated xxxxxx and delivery of said appraisal dated xxxxxx . Pending receipt of the origination appraisal completed xxxxxx was delivered to the borrower within 3 business days prior to closing. |  |  | 11/15/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26937993 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence that the borrower received a copy of the appraisal 3 business days prior to consummation. |  | Reviewer Comment (2022-10-14): Received updated appraisal and updated appraisal delivery | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26937994 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | A rate lock agreement was not provided to the borrower. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26937995 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | A list of homeownership counseling organization was not provided to the borrower with a list date reflecting on the document. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26948326 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The name for the borrower on the appraisal is incorrect. |  | Reviewer Comment (2022-10-14): Updated appraisal received | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26983732 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Received updated appraisal dated xxxxxx and delivery of said appraisal dated xxxxxx . Pending receipt of the origination appraisal completed xxxxxx was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26983733 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Received updated appraisal dated xxxxxx and delivery of said appraisal dated xxxxxx . Pending receipt of the origination appraisal completed xxxxxx was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2022-11-15): Client elects to waive; SOL 1 year expires xxxxxx  |  |  | 11/15/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | 26983734 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Received updated appraisal dated xxxxxx and delivery of said appraisal dated xxxxxx . Pending receipt of the origination appraisal completed xxxxxx was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26935772 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, borrower must have 50% ownership when business bank statements are utilized to qualify. Per CPA, borrower only has 40% ownership in xxxxxx, in which income is needed to qualify. Investor exception will be required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26935796 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Provided the LOE from the additional owner of xxxxxx for use of business account #5211 for use of business bank statements for income. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26938491 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Page 3 of the Note reflects there is a Prepayment Note Addendum; however, the file does not contain the addendum and this is a primary residence. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-13): Cleared in error. The document provided is 1 page nor reflects an address that ties to this property. Further, all pages of the document must be provided and executed, along with an LOE and evidence of delivery to the borrower.<br>Reviewer Comment (2022-10-13): Received corrected page3 , also checked Final CD , there is no Prepayment Penalty , Exception Cleared |  |  | 10/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26938519 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-10-12): Approval provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26938550 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2022-10-17): Supplemental report provided<br>Reviewer Comment (2022-10-13): Received Supplemental report showing Proposed insured loan amount of xxxxxx which is less than the Note amount of xxxxxx . Exception Remains | 10/17/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26941994 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | The guidelines require a copy of the certified check, cashier's check or other official check for gift funds that are not transferred prior to settlement. The gift letter for the amount of $280,000 indicates the gift will be transferred to escrow at closing; however, the final Closing Disclosure does not reflect the gift funds and the file does not contain the required certified check, cashier's check or other official check. |  | Reviewer Comment (2022-10-18): Final stamped SS and wires provided for gift funds<br>Reviewer Comment (2022-10-13): Received PC-CD, Final SS, LOE to borrower, and evidence of delivery. 1) The Final SS is not stamped/certified by the title agent 2) Need wire of gift funds for $220,000 and $60,000 for a total of $280,000.<br>Reviewer Comment (2022-10-12): The estimated closing statement is not a source for evidence of receipt of gift funds. Provide the wire or official check along with the Final Settlement Statement and PC-CD adding the gift funds transfer (LOE to borrower and evidence of delivery will also be required). | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942084 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The hazard insurance policy reflects the address as xxxxxx; however, the Note reflects the address as xxxxxx. |  | Reviewer Comment (2022-10-13): Correct HOI policy received. Has sufficient coverage therefore RCE is not required.<br>Reviewer Comment (2022-10-13): Hazard insurance policy received with the correct address , but Replacement Cost Estimator still shows the Incorrect address of xxxxxx, Please provide Replacement Cost Estimator showing Correct address. Exception Remains | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942176 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete |  | The file contains a private party VOR; however, the file does not contain the required alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.) that is required by the guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942504 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.44331% exceeds Guideline total debt ratio of 45.00000%. | The guidelines allow for a maximum DTI of 45% for a First Time Home Buyer. The verified DTI is 45.93%. The DTI exceeds the guideline DTI due to large deposits into the business accounts that were not documented; therefore, could not be used in the income calculations. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942568 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the secondary appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-10-10): Client elects to waive |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942571 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan does not meet the Loan Designation Non QM due to the guidelines allow for a maximum DTI of 45% for a First Time Home Buyer. The verified DTI is 45.93%. The DTI exceeds the guideline DTI due to large deposits into the business accounts that were not documented; therefore, could not be used in the income calculations. |  | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors. Condition no longer applies. | 10/17/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942572 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan does not meet the ATR Requirements due to the guidelines allow for a maximum DTI of 45% for a First Time Home Buyer. The verified DTI is 45.93%. The DTI exceeds the guideline DTI due to large deposits into the business accounts that were not documented; therefore, could not be used in the income calculations. |  | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors. Condition no longer applies. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942573 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.44331% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The guidelines allow for a maximum DTI of 45% for a First Time Home Buyer. The verified DTI is 45.93%. The DTI exceeds the guideline DTI due to large deposits into the business accounts that were not documented; therefore, could not be used in the income calculations. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942574 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-10-10): Client elects to waive |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942577 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Testing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of the loan becoming an ARM. | The file contains an ARM Disclosure dated xxxxxx ; however, the loan program changed to an ARM on xxxxxx ; therefore, the ARM Disclosure was not provided to the borrower within 3 days of the loan becoming an ARM loan. |  | Reviewer Comment (2022-10-18): Updated disclosure provided | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26942578 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | The file is missing evidence that the borrower received a copy of the CHARM Booklet within 3 days of the loan becoming an ARM loan. |  | Reviewer Comment (2022-10-18): Disclosure provided | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26945843 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The Final CD reflects the borrower has a Fire Insurance Policy that was not provided. |  | Reviewer Comment (2022-10-13): Fire policy provided<br>Reviewer Comment (2022-10-12): The policy provide is the dwelling policy. Per the Final CD, borrower has two polices - 1 for dwelling and one for Fire. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | 26945870 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Amount of Non-Escrowed Property Costs over Year 1. (Final xxxxxx) |  |  | Reviewer Comment (2022-10-10): Client elects to waive |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26936446 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-12): Gap provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26936709 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | Provide evidence of taxes and insurance for the property on xxxxxx. |  | Reviewer Comment (2022-10-12): T&I provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937002 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Provide evidence the borrower received a copy of the appraisal within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937003 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | The Right to receive copy of Appraisal was not provided to the borrower. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937004 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.78140% or Final Disclosure APR of 7.85600% is in excess of allowable threshold of APOR 5.73% + 1.5%, or 7.23000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the borrower received a copy of the appraisal within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-12): Appraisal delivery received | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937005 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the borrower received a copy of the appraisal within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-12): Appraisal delivery received | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937006 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | The Right to receive copy of Appraisal was not provided to the borrower. |  | Reviewer Comment (2022-10-12): Right to receive appraisal disclosure provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937007 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | A rate lock agreement was not provided in the lon file. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937008 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The Flood Hazard Disclosure was not provided within a reasonable timing. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937012 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership counseling organization was not provided to the borrower. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937016 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 350.04 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The HOA due verified on the Appraisal is $350.00, on the final CD the HOA due verified is 350.04which does not match the amount reflected on the Appraisal. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937017 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $17,917.21 may be required. | The file did not contain any Loan Estimates. |  | Reviewer Comment (2022-10-13): SitusAMC received proof of receipt. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937018 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $50.00 exceeds tolerance of $25.00. Insufficient or no cure was provided to the borrower. (77173) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-10-13): SitusAMC received SSPL. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26937058 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month mortgage history for the borrower's current primary residence. HELOC statements reflects a draw statement that is in the repayment period. |  | Reviewer Comment (2022-10-12): LOE from company, recent draw request on xxxxxx , statement, and Note provided. | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26948520 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | North Carolina Rate Spread Threshold Test Compliant | North Carolina Rate Spread Home Loan: APR on subject loan of 7.78140% or Final Disclosure APR of 7.85600% is in excess of allowable threshold of APOR 5.73% + 1.5%, or 7.23000%. Compliant Rate Spread Home Loan. |  |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B A | xxxxxx | xxxxxx | Primary | Purchase | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Narrow Defense - Requires CHD Approval)<br> Within 120 days of discovery , which compliance failure was not intentional and resulted from a bona fide error, creditor must: (1) provide Lender Attestation to AMC attesting the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made (specific details on how rate spread home loan was made despite procredures to prevent); (2) notify the borrower, and make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | 26948553 | xxxxxx | xxxxxx | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778367 | xxxxxx | 26931960 | xxxxxx | xxxxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7 | Note date: xxxxxx ; Lien Position: 1 | Indeterminate value |  | Reviewer Comment (2022-11-05): Field review provided within 10% of appraised value<br>Reviewer Comment (2022-10-13): The CDA provided reflects value is Indeterminate xxxxxx A secondary valuation is required for securitization. Provide either a field review, 2055E, or additional interior/exterior appraisal which is the next higher tiered products. Another CDA cannot be provided as one CDA or ARR cannot be utilized to trump another. | 11/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 778367 | xxxxxx | 27174567 | xxxxxx | xxxxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note date: xxxxxx ; Lien Position: 1 |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-05): Client elects to waive |  |  | 11/05/2022 | 2 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 777298 | xxxxxx | 26937650 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-10-26): Received drive report addressing all red flags. Exception cleared. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777298 | xxxxxx | 26937652 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-11-16): Signed Ops Agreement provided<br>Reviewer Comment (2022-11-07): The Operating Agreement provided is not executed. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777298 | xxxxxx | 26945036 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HO6 does not reflect the Entity as insured |  | Reviewer Comment (2022-11-10): Updated HO6 provided<br>Reviewer Comment (2022-11-03): Same HO6 was provided that was in file at time of review. The HO6 does not reflect the Entity as insured. | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777298 | xxxxxx | 26945054 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note+ Riders and DOT + Rider's are not executed properly. The loan closed in a Borrowing Entity. The signature block should be the Borrowing Entity by Guarantor. Provide the corrected/executed documents, LOE to borrower, evidence of delivery to the borrower, and Lender's letter of intent to re-record. |  | Reviewer Comment (2022-10-27): All the required docs for the correction have been provided.<br>Reviewer Comment (2022-10-21): Received corrected and re-executed documents (signature evidences delivery). Provide the LOE to borrower and Letter of Intent to Re-Record. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777298 | xxxxxx | 26945062 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for minimum square footage of condo is < 500. However, comp factors are incorrect. DSCR is not > 1.30 and credit score is not 30+ points above minimum. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-20): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-19): The comp factor for credit score was not updated. |  |  | 10/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777298 | xxxxxx | 26945129 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | 5% LTV deduction when utilizing short term rents. The 1007 reflects Short Term Rents. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-03): Client elects to waive with verified compensation factors |  |  | 11/03/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 776842 | xxxxxx | 26944450 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-10-14): Approval provided | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944465 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | The guidelines require a 12-month housing history for all First Time Home Buyers. The borrower is a First Time Home Buyer living rent free; therefore, does not have the required housing history. The file contains an Investor exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944872 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.35126% exceeds Guideline total debt ratio of 43.00000%. | The guidelines allow a maximum DTI of 43% for an individual living rent free. The loan closed with a DTI of 43.427% per the rate lock confirmation; however, the verified DTI is 43.35%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-14): The exception request form was provided. Provide the approved exception with comp factors |  |  | 10/14/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944873 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | The final 1003 reflects the borrower has two additional accounts that were not provided in the file with assets totaling $203,732.14. |  | Reviewer Comment (2022-10-14): Additional asset statements provided | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944874 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 672 is less than Guideline representative FICO score of 680. | The guidelines require a credit score of 680 for a First Time Home Buyer; however, the loan closed with a score of 672. The file contains an Investor exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-14): The exception request form was provided. Provide the approved exception with comp factors |  |  | 10/14/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944886 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-10-14): Appraisal delivery received | 10/14/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944887 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.06720% or Final Disclosure APR of 8.13800% is in excess of allowable threshold of APOR 5.73% + 1.5%, or 7.23000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-10-14): Appraisal delivery received | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944888 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-10-14): Appraisal delivery received | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944889 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan does not meet the Loan Designation of Non QM due to the the guidelines allow a maximum DTI of 43% for an individual living rent free. The loan closed with a DTI of 43.427% per the rate lock confirmation; however, the verified DTI is 43.35%. |  | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors. Condition no longer applies. | 10/14/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944890 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan does not meet the ATR requirements due to the the guidelines allow a maximum DTI of 43% for an individual living rent free. The loan closed with a DTI of 43.427% per the rate lock confirmation; however, the verified DTI is 43.35%. |  | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors. Condition no longer applies.<br>Reviewer Comment (2022-10-14): The exception request form was provided. Provide the approved exception with comp factors | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944891 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.35126% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The guidelines allow a maximum DTI of 43% for an individual living rent free. The loan closed with a DTI of 43.427% per the rate lock confirmation; however, the verified DTI is 43.35%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-14): The exception request form was provided. Provide the approved exception with comp factors |  |  | 10/14/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944898 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $20,034.56 is less than Cash From Borrower $131,501.37. | The final 1003 reflects the borrower has two additional accounts that were not provided in the file with assets totaling $203,732.14. |  | Reviewer Comment (2022-10-14): Additional asset statements provided | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776842 | xxxxxx | 26944929 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | The third party documentation provided does not provide the verification of the borrower's ownership percentage in the business. A CPA letter or other third party documentation to verify the ownership percentage is required. |  | Reviewer Comment (2022-10-14): CPA letter provided<br>Reviewer Comment (2022-10-14): We do not have a CPA letter in file nor was one provided in trailing documents. Please provide. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | 26944362 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  | Reviewer Comment (2022-10-14): 1008 w/ UW name provided | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | 26944562 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | Missing Tax and Insurance verification for investment property xxxxxx. |  | Reviewer Comment (2022-10-17): Tax verification provided. Land only. HOI not required. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | 26944962 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | 26944963 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | 26944964 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of xxxxxx used as disbursement date for compliance testing. | A final CD was not provided in the loan file. |  | Reviewer Comment (2022-10-14): Final SS provided | 10/14/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | 26944965 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Loan file is missing final Cl;osing Disclosure. |  | Reviewer Comment (2022-10-14): Final SS provided | 10/14/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | 26985144 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Non Material | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. Investment occupancy with business purpose cert in file. Business purpose loans exempt from RESPA HUD-1 requirement. EV2 informational finding to indicate which document was used to source fees for any applicable testing. |  |  | Reviewer Comment (2022-10-14): Client elects to waive |  |  | 10/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775585 | xxxxxx | 26943854 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary <br> State: HI |  |  | Reviewer Comment (2022-10-18): Supplement provided | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775585 | xxxxxx | 26943882 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775585 | xxxxxx | 26944417 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.38449% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .38449%). |  |  | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775585 | xxxxxx | 26944423 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26944956 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, any non-institutional VOR requires 6 months canceled checks. The loan file contains a non-institutional VOR and canceled checks; however, proof of the 6/2022 and 8/2022 rent payments were not provided. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-14): The 6/2022 check provided is not cancelled. Further, the 8/2022 check was not provided. Per guidelines, current history means the borrower has made all payments due in the month prior to the note date. The loan closed xxxxxx . |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945034 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on appraisal is different than Lender on Note and no transfer letter provided. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945040 | xxxxxx | xxxxxx | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. | Credit Report: Original // Public Record Type: Bankruptcy / Balance: 0.00 | Per loan approval and rate lock, loan approved under theVice program, which requires all bankruptcies to be discharged at least 48 months prior to Note date. Per credit report, Chapter 7 bankruptcy was discharged 7/2019, which is less than 48 months prior to Note date. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945077 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.72630% or Final Disclosure APR of 8.75300% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-14): Right to receive appraisal disclosure provided | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945078 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945079 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to receive a copy of the Appraisal Disclosure is missing from the file, as is the initial Loan Estimate. |  | Reviewer Comment (2022-10-14): Right to receive appraisal disclosure provided | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945080 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945082 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $7,666.05 may be required. | Loan file does not contain any Loan Estimates. |  | Reviewer Comment (2022-10-14): SitusAMC received the initial LE. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945084 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $135.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-10-14): SitusAMC Received COC dated xxxxxx with a valid reason for change. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945085 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-10-20): SitusAMC received VCC dated xxxxxx and associated comment suffice.<br>Reviewer Comment (2022-10-14): SitusAMC received Changed Circumstance dated xxxxxx but it does not give sufficient information on why the Re-inspection Fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 10/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945086 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7725) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-10-14): SitusAMC received the initial LE.<br>Reviewer Comment (2022-10-14): SitusAMC received rebuttal from seller stating Fee is in Sec C and Borrower shopped for. The file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945087 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $109.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7728) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-10-18): SitusAMC received SSPL.<br>Reviewer Comment (2022-10-14): SitusAMC received rebuttal from seller stating Fee is in Sec C and Borrower shopped for. The file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services. | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26945088 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. |  | Reviewer Comment (2022-10-11): Client elects to waive |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | 26982050 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Please provide list of service providers. |  | Reviewer Comment (2022-10-18): SitusAMC received SSPL. | 10/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | 26945664 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeownership counseling organization was not provided to the borrower. |  | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | 26945666 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | Final Closing Disclosure does not relect seller fees and or transaction. |  | Reviewer Comment (2022-10-19): SitusAMC received Seller CD. | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | 26945667 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Closing disclosure document was not provided to the borrower within three business days prior to closing. |  | Reviewer Comment (2022-10-19): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | 26945668 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan Estimate document was not provided to the borrower within three business days of the application. |  | Reviewer Comment (2022-10-19): SitusAMC received the initial LE. | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | 26945669 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement service provider list not provided to the borrower. |  | Reviewer Comment (2022-10-21): SitusAMC received SSPL disclosure | 10/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | 26945759 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing title final. |  | Reviewer Comment (2022-10-18): FTP provided | 10/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | 26945824 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title is within CA and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Reviewer Comment (2022-10-18): FTP provided | 10/18/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | 26945917 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.75 is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA of 5.75 is less than guideline required months reserves of 6.00 for a FTHB. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | 27003971 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,431.00 exceeds tolerance of $3,805.00 plus 10% or $4,185.50. Insufficient or no cure was provided to the borrower. xxxxxx | Increase in fees indicates cure is required in the amount of $1245.50, |  | Reviewer Comment (2022-10-20): SitusAMC received SSPL. Upon further review, consumer within 10% tolerance requirements. | 10/20/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777485 | xxxxxx | 26945739 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different City than what is on the note. |  | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777485 | xxxxxx | 26945742 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,495.00 exceeds tolerance of $1,475.00. Sufficient or excess cure was provided to the borrower at Closing. (7548) |  |  | Reviewer Comment (2022-10-10): Sufficient Cure Provided At Closing |  | 10/10/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777485 | xxxxxx | 26945751 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-11-10): FTP provided | 11/10/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777485 | xxxxxx | 26945752 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-11-10): FTP provided | 11/10/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777485 | xxxxxx | 27215160 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final Title Policy reflects insured amount of xxxxxx and a recorded mortgage for xxxxxx , however the loan amount is xxxxxx |  | Reviewer Comment (2022-11-21): Received final title | 11/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778106 | xxxxxx | 26945762 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 7.65000% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 2.65000%). |  |  | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 777117 | xxxxxx | 26945967 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete |  | The file contains a private xxxxxx VOR. The guidelines require alternative documentation showing the most recent 6 months processed check to validate payment history; however, the file does not contain the required alternative documentation. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777117 | xxxxxx | 26948067 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-10-12): The client elects to waive. |  |  | 10/12/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777117 | xxxxxx | 26948069 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $20,661.90 may be required. | The file is missing the initial Loan Estimate. |  | Reviewer Comment (2022-10-17): SitusAMC received initial LE. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777117 | xxxxxx | 26948070 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $500.44 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points increased from $0.00 on the initial Closing Disclosure to $500.44 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-10-17): SitusAMC received valid COC dated xxxxxx along with missing xxxxxx xxxxxx LE's. | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 26954351 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | The file contains a gap report for the co-borrower dated xxxxxx which is not within 10 days of the loan closing. |  | Reviewer Comment (2022-10-18): Gap provided. New debt added to ratios | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 26954540 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different city than what is on the note. |  | Reviewer Comment (2022-10-13): The client elects to waive. |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 26954541 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.08903% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .08903%). |  |  | Reviewer Comment (2022-10-13): The client elects to waive. | 10/13/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 26954543 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $41.86 exceeds tolerance of $21.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2022-10-11): Sufficient Cure Provided At Closing |  | 10/11/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 26954544 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  | Reviewer Comment (2022-10-11): Sufficient Cure Provided At Closing |  | 10/11/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 26954547 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The appraisal report reflects the city as xxxxxx; however, the note reflects the city as xxxxxx. |  | Reviewer Comment (2022-10-19): Updated report received.<br>Reviewer Comment (2022-10-19): No new documents provided for this condition. Please try uploading again. | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 26954558 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 675 is less than Guideline representative FICO score of 680. | The guidelines require a minimum credit score of 680 for a First Time Home Buyer; however, the loan closed with a score of 675. The file contains an Investor exception. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-10-13): The client elects to waive. |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 26977580 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-10-13): The client elects to waive. |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 27003339 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.92120% or Final Disclosure APR of 9.92100% is in excess of allowable threshold of APOR 6.09% + 1.5%, or 7.59000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the updated appraisal dated xxxxxx was delivered to the borrower. |  | Reviewer Comment (2022-10-19): Delivery provided | 10/19/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 27003340 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the updated appraisal dated xxxxxx was delivered to the borrower. |  | Reviewer Comment (2022-10-19): Delivery provided | 10/19/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | 27005018 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-10-19): Client elects to waive |  |  | 10/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26950905 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Insurance Verification<br> Insurance Verification | Missing Insurance verification for the investment property at xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors |  |  | 10/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26950975 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Credit Report is more than 90 days prior to the Note date. Only a Gap report reflecting a recent update with no scores is provided in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-13): The client elects to waive. |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26951066 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage amount is insufficient, provide a replacement cost estimate. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors |  |  | 10/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26954109 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to closing. |  | Reviewer Comment (2022-10-13): The client elects to waive. |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Good faith redisclosure C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26954110 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.12060% or Final Disclosure APR of 8.18300% is in excess of allowable threshold of APOR 5.06% + 2.5%, or 7.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-20): TRID team cleared right to receive appraisal disclosure.<br>Reviewer Comment (2022-10-18): This condition coincides with the TRID - Right to Receive appraisal disclosure. Once that condition is addressed, this one will be as well. | 10/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26954111 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to closing. |  | Reviewer Comment (2022-10-20): SitusAMC received xxxxxx LE | 10/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Good faith redisclosure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26954112 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | A rate lock agreement was not provided to the borrower. |  | Reviewer Comment (2022-10-13): The client elects to waive. |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26954113 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership counseling organization was not provided to the borrower. |  | Reviewer Comment (2022-10-13): The client elects to waive. |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26954115 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Closing Disclosure document not provided to the borrower within three business days prior to closing. |  | Reviewer Comment (2022-10-20): SitusAMC received xxxxxx CD received 3 business days prior to consummation. | 10/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 26954116 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $29,325.00 may be required. | Loan Estimate not provided in file. |  | Reviewer Comment (2022-10-20): SitusAMC received xxxxxx LE | 10/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 27006943 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $29,137.50 exceeds tolerance of $24,750.00. Insufficient or no cure was provided to the borrower. (73109) | SitusAMC received Cd dated xxxxxx and Broker fee increased from $24750 on LE dated xxxxxx to xxxxxx on CD . In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | Reviewer Comment (2022-10-24): SitusAMC Received Valid COC along with revised LE. | 10/24/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 27006951 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | SitusAMC received CD dated xxxxxx . The file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services. |  | Reviewer Comment (2022-10-24): SitusAMC Received SSPL | 10/24/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 27006952 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of xxxxxx exceeds tolerance of $2,115.00 plus 10% or $2,326.50. Insufficient or no cure was provided to the borrower. xxxxxx | SitusAMC received CD dated xxxxxx . The file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services. |  | Reviewer Comment (2022-10-24): SitusAMC Received SSPL and borrower shopped for title fees. | 10/24/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | 27007569 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2022-10-24): SitusAMC received interim CD. | 10/24/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777663 | xxxxxx | 26978656 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.10701% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .10701%). |  |  | Reviewer Comment (2022-10-14): Client elects to waive |  |  | 10/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777663 | xxxxxx | 26984469 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $660.00 exceeds tolerance of $580.00. Insufficient or no cure was provided to the borrower. (7506) | Valid COC not provided. Updating the purchase price and loan amount would not increase the appraisal fee. |  | Reviewer Comment (2022-10-19): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 10/19/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777663 | xxxxxx | 26984481 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Second unit is missing |  | Reviewer Comment (2022-10-18): Updated HOI provided | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777663 | xxxxxx | 26984486 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.57 is less than Guideline PITIA months reserves of 6.00. | Borrower received all gift funds into their business and personal accounts. Backed out as to not double count as well as gift funds cannot be utilized for reserves. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-19): Client elects to waive with verified compensation factors |  |  | 10/19/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778066 | xxxxxx | 26960845 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-21): Gap provided | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778066 | xxxxxx | 26961019 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The DOT signed at closing reflects 3 individuals; however, the warranty deed signed only reflects 2 individuals. Please provide deed transferring ownership to all 3 parties. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-05): Part of the cure provisions is an LOE. Investor can elect to waive with valid comp factors.<br>Reviewer Comment (2022-12-02): Received correct affidavit and LOI. Pending receipt of LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2022-11-03): If the DOT is incorrect, then the DOT will need to be updated. Provide the corrected DOT, LOE to borrower, evidence of delivery tot he borrower, and LOI. |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778857 | xxxxxx | 26979426 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-10-19): FTP provided | 10/19/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778857 | xxxxxx | 26979453 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-10-19): FTP provided | 10/19/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778857 | xxxxxx | 26979483 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | The xxxxxx Closing Disclosure provided is not signed. Applying the 3 day mailbox rule, it was not received by borrower at least 3 business days prior to closing. |  | Reviewer Comment (2022-10-20): SitusAMC received xxxxxx CD received 3 business days prior to consummation. | 10/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777695 | xxxxxx | 26978574 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.25427% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .25427%). |  |  | Reviewer Comment (2022-10-14): Client elects to waive |  |  | 10/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777807 | xxxxxx | 26982286 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, non-institutional VORs require canceled checks or bank statements. Further, first time homebuyers are required to document a 0x30x12 housing history. Loan file contains a non-institutional VOR and borrower is a FTHB; however, 12 months canceled checks or bank statements were not provided. Loan file contains LOE from borrower stating their rent is paid in cash, which does not meet the guideline requirements. Loan file contains investor exception request. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-19): The document provided is the exception request form. Provide the approved exception with comp factors. |  |  | 10/21/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777807 | xxxxxx | 26982393 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 660 is less than Guideline representative FICO score of 680. | Minimum FICO for a FTHB under the xxxxxx program is 680. Loan was approved with Borrower's qualifying FICO of 660. Loan file contains investor exception request. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-19): The document provided is the exception request form. Provide the approved exception with comp factors. |  |  | 10/21/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777807 | xxxxxx | 26982417 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-10-17): Client elects to waive |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777807 | xxxxxx | 26982419 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.96393% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.96393%). |  |  | Reviewer Comment (2022-10-17): Client elects to waive |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777807 | xxxxxx | 26982421 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Zero percent fee tolerance exceeded; however, sufficient cure was provided at closing. |  | Reviewer Comment (2022-10-14): Sufficient Cure Provided At Closing |  | 10/14/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26979125 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.78726% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.78726%). |  |  | Reviewer Comment (2022-10-17): Client elects to waive |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26979126 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-10-17): Client elects to waive |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26979129 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  | Reviewer Comment (2022-10-17): Client elects to waive |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26979132 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 300.00 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | HOA dues on the Appraisal is $350.00, HOA dues on the final CD reflects $300.00 which does not match the non-escrowed property cost over year one. |  | Reviewer Comment (2022-10-17): Client elects to waive |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26979213 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit Report Gap. |  | Reviewer Comment (2022-10-21): Received UDM report dated xxxxxx Exception cleared. | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26979448 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-10-26): Received Final Title Policy. | 10/26/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26979492 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-10-26): Title Final received with correct Coverage amount. Exception Cleared.<br>Reviewer Comment (2022-10-19): Document not found in trailing documents. Please try uploading again. | 10/26/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26979499 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-10-19): Approval provided | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26987873 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The tax preparers last name is the same as the borrower as well as the preparer states they have been preparing the borrower's tax returns for 2019/2020, however, per the personal tax returns in file, a different CPA prepared the returns. |  | Reviewer Comment (2022-10-25): An LOE detailing the relationship to the borrower is not required.<br>Reviewer Comment (2022-10-24): The LOE is not from the borrower but the lender regarding the relationship. This must come from the borrower.<br>Reviewer Comment (2022-10-21): 1) the LOE is not from the borrower but the lender regarding the relationship. This must come from the borrower. 2) This still does not address why the tax preparer as stated they have prepared the tax returns for the most recent 2 years however 2021 reflects a different CPA and company prepared the returns. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26987874 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The tax preparer letter does not specify the tax preparers license number. |  | Reviewer Comment (2022-10-21): IRS acceptance reflects agent on tax letter. | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 26988014 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | 2 years personal tax returns provided on a 12 month bank statement program. Income on tax returns do not support the bank statement income. | The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-10-26): The client elects to waive. |  |  | 10/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | 27048702 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The Mortgage reflects both borrowers but the Final Title for the subject transaction only reflects the wife's name. The title should be in both names. The vesting on the mortgage must mirror the title vesting. |  | Reviewer Comment (2022-11-04): The title vesting is allowed to be only in the wife's name. | 11/04/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | 26985004 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 58.45879% exceeds Guideline total debt ratio of 50.00000%. | The loan was approved as a 12 month bank statement loan; however, loan file does not contain an income worksheet. Excluding the deposits that exceed more than 50% of the average monthly sales, the calculated DTI exceeds the guideline maximum of 50%. |  | Reviewer Comment (2022-10-25): Bank statement income was recalculated and the DTI is now 35%<br>Reviewer Comment (2022-10-19): Based on the income worksheet provided, it appears the borrower utilized bank statements from 9/2021-8/2022, however the most recent statements in file are from xxxxxx 21 - 9/2022 which is what must be utilized to qualify. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | 26985020 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Other<br> HOA Verification, Tax Verification | Loan file is missing evidence all 3 REOs (2 on xxxxxx, additional on xxxxxx) are owned free and clear, along with proof of taxes, HOI and HOA dues. |  | Reviewer Comment (2022-10-31): xxxxxx and payment receipt provided<br>Reviewer Comment (2022-10-28): Acceptable for SBA loan not in borrower's name for xxxxxx.Please provide xxxxxx and paid receipt for the HOA payment for xxxxxx.<br>Reviewer Comment (2022-10-27): Tax search is acceptable for the property on xxxxxx but still needs the HOA info. Need evidence of lien release/paid in full or a mortgage statement for the property on xxxxxx.<br>Reviewer Comment (2022-10-21): The title search for the property on xxxxxx reflects a lien. Provide evidence of lien release/paid in full or must provide evidence of P&I and mortgage history. Further, need actual documentation of HOA dues and taxes for the property on xxxxxx. The other properties are in xxxxxx County and reflect the estimated tax calculator with taxes completed.<br>Reviewer Comment (2022-10-19): Pending receipt of the follow: HOA dues and Taxes on REO xxxxxx. The tax cert provided does not reflect an amount and the HOA document does not have and address. Also, pending receipt of evidence all 3 properties (2 on xxxxxx and 1 on xxxxxx) and Free and Clear. | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | 26985047 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.28735% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .28735%). |  |  | Reviewer Comment (2022-10-17): Client elects to waive |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | 26985048 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding the guideline maximum of 50%. |  | Reviewer Comment (2022-10-25): Bank Statement income was recalculated using consistent large desposits and the DTI is now 35%<br>Reviewer Comment (2022-10-19): Based on the income worksheet provided, it appears the borrower utilized bank statements from 9/2021-8/2022, however the most recent statements in file are from xxxxxx 21 - 9/2022 which is what must be utilized to qualify. | 10/25/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | 26985049 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding the guideline maximum of 50%. |  | Reviewer Comment (2022-10-25): Bank Statement income was recalculated using consistent large desposits and the DTI is now 35%<br>Reviewer Comment (2022-10-19): Based on the income worksheet provided, it appears the borrower utilized bank statements from 9/2021-8/2022, however the most recent statements in file are from xxxxxx 21 - 9/2022 which is what must be utilized to qualify. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | 26985050 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 55.43733% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The loan was approved as a 12 month bank statement loan; however, loan file does not contain an income worksheet. Excluding the deposits that exceed more than 50% of the average monthly sales, the calculated DTI exceeds the guideline maximum of 50%. |  | Reviewer Comment (2022-10-25): Bank Statement income was recalculated using consistent large desposits and the DTI is now 35%<br>Reviewer Comment (2022-10-19): Based on the income worksheet provided, it appears the borrower utilized bank statements from 9/2021-8/2022, however the most recent statements in file are from xxxxxx 21 - 9/2022 which is what must be utilized to qualify. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | 26985051 | xxxxxx | xxxxxx | Compliance | Compliance | City / Local Compliance | State Defect | (City High Cost) Chicago Threshold Loan (Calculated APR/Rate) | City of Chicago Anti-Predatory Lending Ordinance: APR Threshold is exceeded by .39320%. APR of 9.49320% exceeds a threshold of 9.10000% based on the US Treasury for comparable maturities of 3.10000% plus jurisdiction allowable margin of 6.00000%. Compliant High Cost Loan. |  |  | Reviewer Comment (2022-10-17): Client elects to waive |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | 26985052 | xxxxxx | xxxxxx | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxxxx County Threshold Loan (Calculated APR/Rate) | xxxxxx County Predatory Lending Ordinance: APR Threshold is exceeded by .39320%. APR of 9.49320% exceeds a threshold of 9.10000% based on the US Treasury for comparable maturities of 3.10000% plus jurisdiction allowable margin of 6.00000%. Compliant High Cost Loan. |  |  | Reviewer Comment (2022-10-17): Client elects to waive |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | 26985053 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,200.00 exceeds tolerance of $960.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Zero percent fee tolerance exceeded; however, sufficient cure provided at closing. |  | Reviewer Comment (2022-10-14): Sufficient Cure Provided At Closing |  | 10/14/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779506 | xxxxxx | 26985210 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | Per guidelines, FTHB must have a documented 0x30x12 housing history. Per final 1003, borrower is a FTHB who has been residing rent free for the prior 4 years, which does not meet guideline requirements. Loan file contains investor exception request. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-21): Client elects to waive with verified compensation factors |  |  | 10/21/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779506 | xxxxxx | 26986717 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-21): Cleared report provided | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779506 | xxxxxx | 26986727 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-18): Client elects to waive |  |  | 10/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779506 | xxxxxx | 26986728 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-4,559.00. (9300) | Zero Percent Tolerance exceeded for Lender Credits |  | Reviewer Comment (2022-10-27): SitusAMC received VCC.<br>Reviewer Comment (2022-10-26): SitusAMC received rebuttal. Comments state change in loan amount/LTV is valid COC. Change is loan amount is only valid if the lender credit change proportionately to the loan amount change. If there was a change to a product/program due to LTV, please provide additional information to confirm that reason and details.<br>Reviewer Comment (2022-10-24): SitusAMC recieved xxxxxx LE. However, the xxxxxx LE reflects rate lock and the addition of the Lender Credit of $4559. The lender credit was then removed on the Initial CD dated xxxxxx without a valid changed circmstance reason. Changed circumstance reason of loan amount change is not valid unless the lender credit changes proportionately with the loan amount, which is not the case. Provide additional information to support a valid reason to remove the lender credit or cure is due. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779506 | xxxxxx | 27063057 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $1,100.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) | Sufficient cure provided at closing. |  | Reviewer Comment (2022-10-27): Sufficient Cure Provided At Closing |  | 10/27/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779506 | xxxxxx | 27063058 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,045.00 exceeds tolerance of $950.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Sufficient cure provided at closing. |  | Reviewer Comment (2022-10-27): Sufficient Cure Provided At Closing |  | 10/27/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778928 | xxxxxx | 27037436 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-28): Credit Report Gap is provided in file. | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778928 | xxxxxx | 27037572 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778928 | xxxxxx | 27037574 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | The file contains an ARM disclosure that was provided to the borrowers at closing. The file does not contain evidence the borrowers received a copy of the ARM disclosure within 3 days of the loan application. |  | Reviewer Comment (2022-10-28): Received | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778928 | xxxxxx | 27037579 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-10-31): FTP provided | 10/31/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778928 | xxxxxx | 27037582 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-10-31): FTP provided | 10/31/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778928 | xxxxxx | 27037596 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | The file contains a CPA letter for borrower 1; however, the CPA letter does not verify the borrower owns the business 100% and the file does not contain any other third party documentation to verify the borrower's ownership percentage. |  | Reviewer Comment (2022-10-28): CPA letter is provided in file and it confirms the borrower's ownership percentage. | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 26987414 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different city than what is on the note. |  | Reviewer Comment (2022-10-21): Corrected documents received. See new added condition for remaining cure since Note/DOT were incorrect. | 10/21/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 26987415 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.05041% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .05041%). |  |  | Reviewer Comment (2022-10-18): Client elects to waive |  |  | 10/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 26987416 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-10-18): Client elects to waive |  |  | 10/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 26987425 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The hazard insurance policy reflects the city as xxxxxx; however, the note reflects the city as xxxxxx. |  | Reviewer Comment (2022-10-21): Corrected documents received. See new added condition for remaining cure since Note/DOT were incorrect. | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 26987434 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The flood certificate reflects the city as xxxxxx xxxxxx; however, the note reflects the city as xxxxxx. |  | Reviewer Comment (2022-10-21): Note and Security Instruments were provided with correct address same as the flood certificate address. | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 26987440 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Desk Review / Valuation Report date: xxxxxx | The appraisal report and CDA report reflects the city as xxxxxx; however, the note reflects the city as xxxxxx. |  | Reviewer Comment (2022-10-21): Corrected documents received. See new added condition for remaining cure since Note/DOT were incorrect. | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 26987530 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | The file contains a gift letter in the amount of $300,000; however, the wire confirmation and deposit receipt reflects the donor provided $277,893.18 in gift funds. Evidence of receipt of the additional $22,106.82 is required to be provided or an updated gift letter with the correct gift amount will be needed. |  | Reviewer Comment (2022-10-24): Updated gift letter provided | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 26997702 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter does not reflect the date the funds were transferred as required by guidelines. |  | Reviewer Comment (2022-10-24): Updated gift letter provided | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 26997713 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The title policy reflects a city of xxxxxx vs. the Note/DOT which reflects xxxxxx. |  | Reviewer Comment (2022-10-21): Note and Security Instruments were provided with correct address. | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | 27015143 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Post Review: Received corrected Note and DOT correcting city name and LOI. Cure documents remaining: LOE to borrower and evidence of delivery to the borrower. |  | Reviewer Comment (2022-10-21): LOE to borrower and evidence of delivery provided | 10/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778951 | xxxxxx | 26987882 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-10-31): CDA provided | 10/31/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778951 | xxxxxx | 26987905 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | Provide evidence of the PITIA for the property on Bell Ave. |  | Reviewer Comment (2022-10-25): All REO docs were provided. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778951 | xxxxxx | 27004033 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-28): Received | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778167 | xxxxxx | 26989785 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-10-19): Client elects to waive |  |  | 10/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778167 | xxxxxx | 26989786 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.90040% or Final Disclosure APR of 8.96700% is in excess of allowable threshold of APOR 5.73% + 1.5%, or 7.23000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-10-25): Evidence of delivery of the appraisal at least 3 days prior to closnig was provided. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778167 | xxxxxx | 26989787 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-10-25): Evidence of delivery of the appraisal at least 3 days prior to closnig was provided. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777411 | xxxxxx | 26988313 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-21): Delivery received | 10/21/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777411 | xxxxxx | 26988314 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.37320% or Final Disclosure APR of 8.43300% is in excess of allowable threshold of APOR 5.20% + 1.5%, or 6.70000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-21): Delivery received | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777411 | xxxxxx | 26988315 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-10-19): Client elects to waive |  |  | 10/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777411 | xxxxxx | 26988317 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-10-21): Delivery received | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777411 | xxxxxx | 26988318 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.14061% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .14061%). |  |  | Reviewer Comment (2022-10-19): Client elects to waive |  |  | 10/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777411 | xxxxxx | 26988320 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-10-19): Client elects to waive |  |  | 10/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | 26992333 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Provide evidence the appraisal was delivered to the borrower within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-21): Appraisal delivery received | 10/21/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | 26992334 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.70990% or Final Disclosure APR of 9.79200% is in excess of allowable threshold of APOR 6.79% + 1.5%, or 8.29000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the appraisal was delivered to the borrower within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-21): Appraisal delivery received | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | 26992335 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the appraisal was delivered to the borrower within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-21): Appraisal delivery received | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | 26992336 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-10-19): Client elects to waive |  |  | 10/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | 26992338 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $725.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) | Valid COC or cure not provided |  | Reviewer Comment (2022-10-27): SitusAMC received Post CD and LOX by moving survey fee to section H. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | 27003407 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | All other owners of the business not party to the loan must provide a signed and dated letter acknowledging the borrower's access to the business account for loan qualification. |  | Reviewer Comment (2022-10-26): Received LOE explaining the borrower has full access of funds from account #7773 with xxxxxx. Exception cleared. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | 27003555 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month mortgage history for the properties on xxxxxx. Supplement provided contains < 12 months history and property profile report in file for xxxxxx reflects a previous mortgage history. |  | Reviewer Comment (2022-10-26): The mortgage history has been verified. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | 27003593 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-24): Clearance report provided | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | 27003975 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-24): Gap report provided | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779533 | xxxxxx | 27010215 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR, section 1, To: name and address of xxxxxx was not filled out. Provide the completed form. Further, it appears this is a private xxxxxx, therefore 6 months cancelled checks are required. |  | Reviewer Comment (2022-10-27): Received updated VOR along with cancelled checks from Nov 2021 to Oct 2022. Exception cleared. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 777824 | xxxxxx | 27003895 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-31): Clearance report provided | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777824 | xxxxxx | 27003951 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Provide evidence the borrower received the appraisal within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-25): Evidence of appraisal delivery was provided. | 10/25/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777824 | xxxxxx | 27003952 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.86810% or Final Disclosure APR of 8.92600% is in excess of allowable threshold of APOR 5.62% + 1.5%, or 7.12000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the borrower received the appraisal within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-25): Evidence of appraisal delivery was provided. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777824 | xxxxxx | 27003953 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The appraisal is not in the name of the Lender. |  | Reviewer Comment (2022-10-20): Client elects to waive |  |  | 10/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777824 | xxxxxx | 27003954 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the borrower received the appraisal within 3 business days prior to consummation. |  | Reviewer Comment (2022-10-25): Evidence of appraisal delivery was provided. | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777824 | xxxxxx | 27003955 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-10-20): Client elects to waive |  |  | 10/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777824 | xxxxxx | 27003974 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on appraisal differs from note, however an appraisal transfer letter was not provided in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-20): Client elects to waive |  |  | 10/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777824 | xxxxxx | 27010850 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The 2022 P&L is not signed and dated by the borrower. |  | Reviewer Comment (2022-11-04): The signed and dated P&L was provided<br>Reviewer Comment (2022-10-25): A borrower signed and dated P&L was not provided. | 11/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777824 | xxxxxx | 27010919 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Occupancy Cert in file has all fields initialed by the borrower for Primary, Secondary, and Investment. |  | Reviewer Comment (2022-10-27): Primary residence field was marked in Occupancy Certificate. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27003074 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file contains a letter of explanation from the borrower that the property locate xxxxxx is owned free and clear; however, the property history report reflects a mortgage in the amount of $97,000 with a private lender and shows that the borrower is a borrower on the private mortgage. The file does not contain any documentation to verify this mortgage has been in full. |  | Reviewer Comment (2022-11-18): Discharge of mortgage provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27003812 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | The borrower has a total of 12 NSF/Overdraft Fees on their business bank statement in the last 12 months. The file contains an Investor exception. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-20): Client elects to waive with verified compensation factors |  |  | 10/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27003847 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | The guidelines require the business being used to qualify the loan to have been open for at least 2 years. The borrower's business was opened xxxxxx which is less than 2 years from the note date of xxxxxx . | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-20): Client elects to waive with verified compensation factors |  |  | 10/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27003863 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The hazard insurance policy reflects the subject street number as xxxxxx; however, the note reflects the street number as xxxxxx. |  | Reviewer Comment (2022-10-26): HOI policy received with correct address matching Note address, Exception Cleared | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27003866 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-02): Cleared report provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27003888 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-10-27): Received borrower confirmation of appraisal receipt on xxxxxx . Doc ID 0214 | 10/27/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27003889 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.96140% or Final Disclosure APR of 10.02600% is in excess of allowable threshold of APOR 6.79% + 2.5%, or 9.29000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-10-27): Received borrower confirmation of appraisal receipt on xxxxxx . Doc ID 0214 | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27003890 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different lender than what is on the note |  | Reviewer Comment (2022-10-20): Client elects to waive |  |  | 10/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27003891 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-10-27): Received borrower confirmation of appraisal receipt on xxxxxx . Doc ID 0214 | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | 27120386 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The pre-close policy in file does not have the correct address. The post close policy is in file. The LOE from the agency is not valid as an update in the address would not result in re-underwrite of the policy (appears to be a typo). The pre-close policy must be corrected. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-22): The client elects to waive. |  |  | 11/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779227 | xxxxxx | 27007398 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Per section 9.1 of the guidelines, credit report must not show employer's name other than current employment. If other name appears, LOE from borrower is required with start/termination dates. The credit report provided reflects 2 additional employers and the loan file does not contain the required LOE from the borrower. |  | Reviewer Comment (2022-10-26): Received LOE in trailing documents. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779227 | xxxxxx | 27007411 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per section 5.3 of the guidelines, if xxxxxx is not an institution, but a private party, 6 months cancelled checks or bank statements are required to support payment history. The VOR provided reflects a private party and 6 months cancelled checks or bank statements were not provided. |  | Reviewer Comment (2022-10-26): Bank printout of rental payments provided. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779227 | xxxxxx | 27007905 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance charge underdisclosed by $150.00. There is no itemization of amount financed in the loan file to verify the fees included by Lender. |  | Reviewer Comment (2022-11-02): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-11-01): Unable to cure at this time. Remediation package has not been picked up by the courier at this time.<br>Reviewer Comment (2022-10-28): SitusAMC received xxxxxx Corrected CD. Howeveer, finance charges were still underdisclosed by $150 from the Final CD. The Title-Admion Fee of $345 is considered a finance charge. Fees included in calculation are the Title-Admin $345, Discount points $984.38, Origination $14,766.00, Prepaid Int $4306.64, Processing fee $595, Title-CPL $35, Title-Settlement Agent $995 and Underwriting fee $1250. Provide a copy of LOE to borrower which accompanied the PCCD, copy of cure refund of $150 and proof of mailing to finalize. If the Title-Admin fee is not felt to be a finance charge, provide an attestation from the Title company as to the purpose of the fee for further review.<br>Reviewer Comment (2022-10-27): The finance charge is under disclosed by $150.00. The following fees have been included in the finance charge calculation: Admin fee $345, LDP $984.38, Origination $14,766, Prepaid interest $4306.64, Processing Fee $595, Title - CPL $35, Title - Closing $995, Underwriting Fee $1250. A PCCD, LOE, copy of refund check, proof of delivery and reopen of RTC is required cure. |  | 11/02/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779227 | xxxxxx | 27101444 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | TOP costs increased over $150 and exceeds tolerance. Section D totals increased from Final CD causing underdisclosure over tolerance. |  | Reviewer Comment (2022-11-03): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-10-28): SitusAMC received xxxxxx PCCD. Costs in Section D increased over tolerance at closing and caused underdisclosure of $150. Missing copy of cure refund to borrower of $150, proof of mailing and the LOE to borrower that accompanied the xxxxxx PCCD to finaliuze cure. |  | 11/03/2022 |  | 2 B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777810 | xxxxxx | 27010121 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-10-26): The flood cert was provided. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 777810 | xxxxxx | 27037225 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: 0565, Financial Institution: xxxxxx // Account Type: Savings / Account Number: 3327 | Account Statements should cover most recent 60-day period |  | Reviewer Comment (2022-10-26): Assets have been documented and meet the requirement of the guidelines. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 777132 | xxxxxx | 27004007 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary xxxxxx) | The appraisal receipt acknowledgment provided indicates borrower either received the appraisal by email or waived the right to receive the appraisal. Please provide evidence of appraisal delivery to borrower. |  | Reviewer Comment (2022-10-27): Evidence of delivery for both appraisals was provided.<br>Reviewer Comment (2022-10-26): Email to borrower provided to evidence delivery of appraisals to the borrower does not include any attachments (Doc ID 0425). Only the email from the broker to the lender includes attachments (Doc ID 0424). Unable to confirm valuation delivery. | 10/27/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777132 | xxxxxx | 27004008 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.44780% or Final Disclosure APR of 10.50400% is in excess of allowable threshold of APOR 6.74% + 2.5%, or 9.24000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-27): Evidence of delivery for both appraisals was provided. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777132 | xxxxxx | 27004009 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx | The appraisal receipt acknowledgment provided indicates borrower either received the appraisal by email or waived the right to receive the appraisal. Please provide evidence of appraisal delivery to borrower. |  | Reviewer Comment (2022-10-27): Evidence of delivery for both appraisals was provided. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777132 | xxxxxx | 27004010 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List is in file; however, it is not dated to determine if it was obtained within 10 days of application date. |  | Reviewer Comment (2022-10-21): Client elects to waive |  |  | 10/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777132 | xxxxxx | 27004011 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $275.00 exceeds tolerance of $250.00. Insufficient or no cure was provided to the borrower. (7319) | Zero Percent Fee Tolerance exceeded for Document Preparation Fee. |  | Reviewer Comment (2022-10-31): SitusAMC Received PCCD, LOE, Copy of check and delivery report for the cure provided. |  | 10/31/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777132 | xxxxxx | 27008904 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Per guidelines, when an appraisal is dated more than 120 days prior to the Note date, a 1004D is required. Appraisal provided is dated xxxxxx , which is more than 120 days prior to the Note date, and the 1004D was not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-31): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-28): Received same documents as in original loan file. The appraisal completed by WJH and dated xxxxxx is more than 120 days prior to the Note date. A 1004D is required for this appraisal. |  |  | 10/31/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777132 | xxxxxx | 27008913 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) | The appraisal receipt acknowledgment provided indicates borrower either received the appraisal by email or waived the right to receive the appraisal. Please provide evidence of appraisal delivery to borrower. |  | Reviewer Comment (2022-10-27): Evidence of delivery for both appraisals was provided. | 10/27/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777132 | xxxxxx | 27008914 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The appraisal receipt acknowledgment provided indicates borrower either received the appraisal by email or waived the right to receive the appraisal. Please provide evidence of appraisal delivery to borrower. |  | Reviewer Comment (2022-10-27): Evidence of delivery for both appraisals was provided. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778366 | xxxxxx | 27004322 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the legal description on the title commitment, and the legal description attached to the subject security instrument, property is located in xxxxxx; however, per 3 of 13 of the security instrument signed by borrower, it states the subject is located in xxxxxx. A corrected, signed DOT, along with LOE and notice of intent to re-record and evidence of delivery to borrower is required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-10-31): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-31): DOT provided is acceptable and reflects recorded. Pending receipt of LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2022-10-27): The 3rd page of the corrected document is not stamped and certified like the incorrect DOT. The condition remains a corrected, signed DOT, along with LOE and notice of intent to re-record and evidence of delivery to the borrower is required. |  |  | 10/31/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778366 | xxxxxx | 27004347 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-10-27): The client elects to waive. |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778366 | xxxxxx | 27004349 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $666.56 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-10-27): SitusAMC received a valid Change of circumstance for the fee increased. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778366 | xxxxxx | 27004350 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $70.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77185) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-10-27): SitusAMC received SSPL. Therefore the borrower didn't shop from SSPL and it comes under unlimited tolerance. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778366 | xxxxxx | 27004351 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $575.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7729) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-10-27): SitusAMC received SSPL. Therefore the borrower didn't shop from SSPL and it comes under unlimited tolerance. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778366 | xxxxxx | 27004353 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | List of service providers not provided. |  | Reviewer Comment (2022-10-27): SitusAMC received Settlement service provider list. | 10/27/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779128 | xxxxxx | 27009330 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.47347% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .47347%). |  |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779128 | xxxxxx | 27009331 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization provided in file does not reflect the list update. |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779128 | xxxxxx | 27009332 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Document not provided in file. |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779128 | xxxxxx | 27009333 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.26010% or Final Disclosure APR of 8.31500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779128 | xxxxxx | 27009334 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | Tax disclosure was not provided to the borower. |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778208 | xxxxxx | 27013564 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.75000% or Final Disclosure APR of 9.81100% is in excess of allowable threshold of APOR 6.38% + 1.5%, or 7.88000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-28): The client elects to waive and the SOL is xxxxxx  |  |  | 10/28/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778208 | xxxxxx | 27013565 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. |  |  | Reviewer Comment (2022-10-28): The client elects to waive and the SOL is xxxxxx  |  |  | 10/28/2022 | 3 C | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | 27030644 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines for condominiums, single entity ownership is allowed up to 20% of the project. Per the HOA questionnaire provided, one entity owns 46% of the project, which is more than allowed per the guidelines. Loan file contains investor exception request. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-28): Waived with compensating factors per investor request. |  |  | 10/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | 27035221 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-10-27): Approval Received. Exception Cleared. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | 27035229 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The flood certificate provided is missing the unit number for the subject property. |  | Reviewer Comment (2022-10-28): Received | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | 27035244 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement | Missing 2021 P&L statement for borrower's Ruby business. |  | Reviewer Comment (2022-10-28): Received | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | 27035247 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-31): Clearance report provided | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | 27035567 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-24): Client elects to waive |  |  | 10/24/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | 27035568 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Notice of special flood hazards was not signed or dated by borrower. |  | Reviewer Comment (2022-10-24): Client elects to waive |  |  | 10/24/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | 27035569 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 6.54537% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 1.54537%). |  |  | Reviewer Comment (2022-10-24): Client elects to waive |  |  | 10/24/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 778679 | xxxxxx | 27036022 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | The following three large deposits were not sourced and are needed for closing and/or reserves: $200,000 on xxxxxx into #5697; $143,750 on xxxxxx into #9313; $40,000 on xxxxxx into #2551. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778679 | xxxxxx | 27036179 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778679 | xxxxxx | 27036180 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778679 | xxxxxx | 27036182 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of xxxxxx exceeds tolerance of $0.00 plus 10% or $0.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2022-10-24): Sufficient Cure Provided At Closing |  | 10/24/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778679 | xxxxxx | 27036183 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-10-28): Received Title Final. | 10/28/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778679 | xxxxxx | 27036185 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: CA |  |  | Reviewer Comment (2022-10-28): Final Title Policy received, Exception Cleared | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779643 | xxxxxx | 27037055 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | There are red flags on the fraud report that are yet to be addressed. |  | Reviewer Comment (2022-10-28): Red flags are addressed in Fraud Report | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779643 | xxxxxx | 27039260 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three businesss days prior to consummation. |  | Reviewer Comment (2022-10-26): The client elects to waive. |  |  | 10/26/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779643 | xxxxxx | 27039261 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization was not provided with a list update reflecting on the document. |  | Reviewer Comment (2022-10-26): The client elects to waive. |  |  | 10/26/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778547 | xxxxxx | 27037152 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Guidelines for the P&L only program require the CPA to attest that they have prepared the borrower's most recent tax return. The CPA letter provided does not attest to this. |  | Reviewer Comment (2022-11-03): CPA letter provided | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778547 | xxxxxx | 27037213 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-27): Received confirmation of primary appraisal sent to borrower on xxxxxx . Doc ID 0274 | 10/27/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778547 | xxxxxx | 27037214 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.70130% or Final Disclosure APR of 7.73800% is in excess of allowable threshold of APOR 6.09% + 1.5%, or 7.59000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-27): Received confirmation of primary appraisal sent to borrower on xxxxxx . Doc ID 0274 | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778547 | xxxxxx | 27037215 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-10-27): Received confirmation of primary appraisal sent to borrower on xxxxxx . Doc ID 0274 | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778547 | xxxxxx | 27037217 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $500.00 exceeds tolerance of $394.00 plus 10% or $433.40. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent fee tolerance exceeded. |  | Reviewer Comment (2022-11-03): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2022-11-01): SitusAMC received PCCD dated xxxxxx along with LOE, Copy of Check and Proof of mailing . FedEx/UPS/USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 11/03/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778547 | xxxxxx | 27037218 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $620.00. Insufficient or no cure was provided to the borrower. (7506) | Zero percent fee tolerance exceeded. The Change of Circumstance form provided does not list a reason that the appraisal fee increased. |  | Reviewer Comment (2022-11-03): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2022-11-01): SitusAMC received PCCD dated xxxxxx along with LOE, Copy of Check and Proof of mailing . FedEx/UPS/USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 11/03/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | 27040695 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.93617% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.93617%). |  |  | Reviewer Comment (2022-10-26): The client elects to waive. |  |  | 10/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | 27040696 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization was not provided with the list update reflecting on the document. |  | Reviewer Comment (2022-10-26): The client elects to waive. |  |  | 10/26/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | 27040698 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-10-24): Sufficient Cure Provided At Closing |  | 10/24/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | 27040763 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx | Subject property is located in a FEMA disaster area, however a post disaster inspection was not provided in file. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-11-02): PDI received dated xxxxxx : No Damage |  |  | 11/02/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | 27040824 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage as a shortfall of $30,000.00, provide a replacement cost estimate. |  | Reviewer Comment (2022-11-02): Investor FL overlay: Replacement cost verbiage provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | 27040841 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide twelve months housing history for the borrowers current primary residence. |  | Reviewer Comment (2022-11-02): Documentation provided reflecting no repayment of loan being paid on previous primary. | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | 27040986 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing credit report gap. |  | Reviewer Comment (2022-11-10): Updated fraud reports provided with UDM's | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779597 | xxxxxx | 27040089 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Guidelines require an LOE from each borrower for any employment listed on the credit report that is not the employer used in qualification. Per the credit report provided, the borrower has 2 additional employers and the co-borrower has 1 additional employer listed that were not the employment used in qualification and the LOE was not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-02): Client elects to waive with verified compensation factors |  |  | 11/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779597 | xxxxxx | 27040372 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.71 is less than Guideline PITIA months reserves of 6.00. | Per the final 1003, borrowers' total assets were $290, 954.54; however, per the statements in the file, total verified assets were $280,476.84. Borrowers do not meet required 6 month reserve requirement. |  | Reviewer Comment (2022-11-01): Final SS provided which matches PC-CD in file. Final cash to close reduced and borrower now has sufficient reserves.<br>Reviewer Comment (2022-10-31): Account #7261 does not have $4,932.45. The last statement for this account is dated xxxxxx . On xxxxxx , the borrower transferred $4,000 from this account to #2609. Therefore, $4,000 was backed out from #7261. Lender double counted these assets. | 11/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778409 | xxxxxx | 27046115 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-11-14): Appraisal delivery provided | 11/14/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778409 | xxxxxx | 27046116 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.88880% or Final Disclosure APR of 7.88900% is in excess of allowable threshold of APOR 5.95% + 1.5%, or 7.45000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-11-14): Appraisal delivery provided | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778409 | xxxxxx | 27046117 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-11-14): Appraisal delivery provided | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778409 | xxxxxx | 27046118 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.77024% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .77024%). |  |  | Reviewer Comment (2022-10-27): The client elects to waive. |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778409 | xxxxxx | 27046119 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $553.50 exceeds tolerance of $369.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-11-14): SitusAMC received valid COC dated xxxxxx | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778409 | xxxxxx | 27062078 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-10-27): The client elects to waive |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778869 | xxxxxx | 27041075 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.34112% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .34112%). |  |  | Reviewer Comment (2022-11-03): Client elects to waive |  |  | 11/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778319 | xxxxxx | 27044526 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide twelve months housing history for the borrower's current primary residence. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-27): The client elects to waive. |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778319 | xxxxxx | 27044987 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipts of appraisal was not provided to the borrower three business days prior to consummation. |  | Reviewer Comment (2022-10-31): Appraisal delivery received | 10/31/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778319 | xxxxxx | 27044988 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.95830% or Final Disclosure APR of 10.02300% is in excess of allowable threshold of APOR 6.79% + 1.5%, or 8.29000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-31): Appraisal delivery received | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778319 | xxxxxx | 27044989 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | An acknowledgement of receipts of appraisal was not provided to the borrower three business days prior to consummation. |  | Reviewer Comment (2022-10-31): Appraisal delivery received | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778319 | xxxxxx | 27044990 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization provided in file does not reflect the list update. |  | Reviewer Comment (2022-10-27): The client elects to waive. |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778319 | xxxxxx | 27044991 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 6,615.72 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The HOA dues on the appraisal is $492.00 which does not match the HOA dues reflecting on the final CD for the non-escrowed property cost over year one. |  | Reviewer Comment (2022-10-27): The client elects to waive. |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | 27045627 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | An acknowledgement of receipt of appraisal was not provided to the borrower three business days prior to consummation. |  | Reviewer Comment (2022-11-02): Right to receive appraisal disclosure provided | 11/02/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | 27045628 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.07670% or Final Disclosure APR of 7.11100% is in excess of allowable threshold of APOR 5.20% + 1.5%, or 6.70000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-11-02): Right to receive appraisal disclosure provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | 27045629 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | An acknowledgement of receipt of appraisal was not provided to the borrower three business days prior to consummation. |  | Reviewer Comment (2022-11-02): Right to receive appraisal disclosure provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | 27045630 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.25736% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.25736%). |  |  | Reviewer Comment (2022-10-27): The client elects to waive. |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | 27045631 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization provided does not reflect the list update. |  | Reviewer Comment (2022-10-27): The client elects to waive. |  |  | 10/27/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | 27045633 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan estimate not provided to the borrower within three business days of the application. |  | Reviewer Comment (2022-11-03): SiusAMC received Initial 1003 and xxxxxx LE | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | 27045634 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $6,340.00 exceeds tolerance of $5,240.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-11-07): SitusAMC received missing CD & valid COC dated xxxxxx <br>Reviewer Comment (2022-11-04): SitusAMC received CD dated xxxxxx whereas the COC provided states " loan amount increased for xxxxxx to xxxxxx " which is incorrect the loan amount on CD xxxxxx is xxxxxx to xxxxxx on xxxxxx CD. Kindly provide a valid COC for the fee increased or provide cure documents. Cure documents consists of Post CD, LOX, Copy of refund check and proof of mailing.<br>Reviewer Comment (2022-11-03): SitusAMC received Changed Circumstance dated xxxxxx . The discount points increased on CD issued xxxxxx , which is 4 business days from the change date. In order to re-baseline fees, a revised xxxxxx needed to be issued within 3 business days of the change occurring. Provide any missing CD or a corrected CD, copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777363 | xxxxxx | 27045265 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Guidelines for the business bank statement program require a signed and dated letter from non-borrowing owners of the business, acknowledging the transaction and verifying the borrower's access to the account for income calculations. Per CPA letter and operating agreement, borrower owns 80% of the business used for income qualification; however, the signed and dated letter from the additional 20% owner was not provided. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-10-31): Client elects to waive with verified compensation factors |  |  | 10/31/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779467 | xxxxxx | 27123852 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.70228% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.70228%). |  |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779467 | xxxxxx | 27123853 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeownership counseling organization not provided with the list update reflecting on the document. |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779467 | xxxxxx | 27123854 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Loan estimate provided xxxxxx was electronically provided and signed prior to borrower's consent to receive document electronically. |  | Reviewer Comment (2022-11-04): SitusAMC received updated E-sign Consent agreement on xxxxxx . | 11/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779467 | xxxxxx | 27127532 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The title address reflects an extra unit number at the end of the address. |  | Reviewer Comment (2022-11-07): Updated title provided | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779703 | xxxxxx | 27123054 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-11-02): Approval provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779703 | xxxxxx | 27124005 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unit xxxxxx does not meet the minimum square footage requirement of 400 (currently xxxxxx). | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-15): Client elects to waive with verified compensation factors |  |  | 12/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777870 | xxxxxx | 27122712 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines for the 1099 program require evidence of YTD earnings that are within 10% or greater than the prior year earnings. Per the 1099, prior year earnings were $58,994 and the year to date bank statements and paystubs provided reflect income of $54,198 which is more than 10% difference and does not meet guideline requirements. Loan file contains investor exception request. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-11-01): Client elects to waive with verified compensation factors |  |  | 11/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777870 | xxxxxx | 27124469 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Policy provided lists lender and servicer; however, it does not list ISAOA. |  | Reviewer Comment (2022-11-01): Updated policy provided | 11/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777870 | xxxxxx | 27125212 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-11-02): SitusAMC Sufficient cure provided at closing. | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777870 | xxxxxx | 27175683 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  |  | Reviewer Comment (2022-11-07): Sufficient Cure Provided At Closing |  | 11/07/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27125425 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | A rate lock agreement was not provided in file. |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27125426 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees |  |  |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27125427 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.99046% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.99046%). | The list of homeownership counseling organization was not provided with a list update reflected on the document. |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27125428 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Document was not provided in file. |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27125429 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of xxxxxx exceeds tolerance of $1,387.00 plus 10% or $1,525.70. Insufficient or no cure was provided to the borrower. xxxxxx | Ten percent tolerance exceeded. |  | Reviewer Comment (2022-12-09): SitusAMC received Post CD,LOX, Copy of refund check and Proof of mailing.<br>Reviewer Comment (2022-12-02): SitusAMC Received PCCD, LOE, Refund Check and Proof of Mailing; however, USPS tracking indicates label has been created, but package has not been shipped. Also, provided tracking Snip does not show borrower details. Provide proof of Mailing with borrower details in order to Cure. |  | 12/09/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27125430 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $7,095.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-11-04): SitusAMC received CD dated xxxxxx along with a valid COC for the fee increased. | 11/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27125431 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $172.00 exceeds tolerance of $86.00. Insufficient or no cure was provided to the borrower. (7520) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-12-09): SitusAMC received Post CD,LOX, Copy of refund check and Proof of mailing.<br>Reviewer Comment (2022-12-02): SitusAMC Received PCCD, LOE, Refund Check and Proof of Mailing; however, USPS tracking indicates label has been created, but package has not been shipped. Also, provided tracking Snip does not show borrower details. Provide proof of Mailing with borrower details in order to Cure. |  | 12/09/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27125485 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing credit report gap. |  | Reviewer Comment (2022-11-08): Gap provided<br>Reviewer Comment (2022-11-03): The gap report provided is dated greater than 10 days prior to closing | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27127397 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file. | The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-31): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | 27127433 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | Single Family Detached | Property is a xxxxxx. Ineligible per guidelines. Investor exception in file. | The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-10-31): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | 27127272 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The 1003 reflects the borrower has a debt of $3,651 with a payment of $200 per month; however, this debt is not reflected on the credit report and the file does not contain any other documentation to verify the debt and payment amount. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-20): The client elects to waive.<br>Reviewer Comment (2022-12-01): Being a purchase has no bearing on debt the borrower is paying nro guideline requirements. The lien is an IRS lien that the borrower is currently paying installments on. The guideline requirements were not met which includes a copy of the approved IRS installment agreement and the debt to be included in the CLTV.<br>Reviewer Comment (2022-11-28): The guidelines require an approved copy of the IRS installment agreement as well as the debt be included in the CLTV calculations. Borrower is as the max LTV/CLTV of 80% as well as the installment agreement provided is not executed by any party nor stamped approved by the IRS.<br>Reviewer Comment (2022-11-16): The only document provided was an unexecuted Instalment Agreement Request. In order for this debt to remain, the following is required: All tax liens (federal, state, and local) must be paid off prior to or at loan closing unless the requirements listed below are met:<br> • The file must contain a copy of the approved IRS installment agreement with the terms of repayment, including the monthly payment amount and total amount due (Only one plan allowed).<br> • A minimum of two (2) payments has been made under the plan with all payments made on time and the account is current. Acceptable evidence includes the most recent payment reminder from the IRS, reflecting the last payment amount and date and the next payment amount owed and due date.<br> • The maximum payment required under the plan is included in the DTI calculation.<br> • The balance of the lien, or repayment plan, must be included when determining the maximum CLTV for the program.<br> • Refinance transactions require a subordination agreement from the taxing authority for liens against the subject property. |  |  | 12/20/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | 27129622 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | 27129623 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.57260% or Final Disclosure APR of 9.59300% is in excess of allowable threshold of APOR 6.38% + 1.5%, or 7.88000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-11-03): Delivery provided | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | 27129624 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-03): Delivery provided | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | 27129625 | xxxxxx | xxxxxx | Compliance | Compliance | City / Local Compliance | State Defect | (City High Cost) Chicago Threshold Loan (Calculated APR/Rate) | City of Chicago Anti-Predatory Lending Ordinance: APR Threshold is exceeded by .47260%. APR of 9.57260% exceeds a threshold of 9.10000% based on the US Treasury for comparable maturities of 3.10000% plus jurisdiction allowable margin of 6.00000%. Compliant High Cost Loan. |  |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | 27129626 | xxxxxx | xxxxxx | Compliance | Compliance | City / Local Compliance | State Defect | (City High Cost) Chicago Threshold Loan (Points and Fees) | City of Chicago Anti-Predatory Lending Ordinance: Points and Fees on subject loan of 5.05330% is in excess of the allowable maximum of 5.00000% of the City Total Loan Amount. Points and Fees total xxxxxx on a City Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .05330%). Compliant High Cost Loan. |  |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | 27129627 | xxxxxx | xxxxxx | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxxxx County Threshold Loan (Calculated APR/Rate) | xxxxxx County Predatory Lending Ordinance: APR Threshold is exceeded by .47260%. APR of 9.57260% exceeds a threshold of 9.10000% based on the US Treasury for comparable maturities of 3.10000% plus jurisdiction allowable margin of 6.00000%. Compliant High Cost Loan. |  |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | 27129628 | xxxxxx | xxxxxx | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxxxx County Threshold Loan (Points and Fees) | xxxxxx County Predatory Lending Ordinance: Points and Fees on subject loan of 5.05330% is in excess of the allowable maximum of 5.00000% of the County Total Loan Amount. Points and Fees total xxxxxx on a County Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .05330%). Compliant High Cost Loan. |  |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129347 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-02): Gap provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129725 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-11-02): Approval provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129821 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 60.20008% exceeds Guideline total debt ratio of 50.00000%. | The loan file does not contain an approval or 1008 to determine how lender calculated borrower's debts; however, the file does contain an AUS showing that the 3 installment loans were excluded from borrower's total monthly debt obligations. Per guidelines, any business debt that is less than 6 months old must be included in the DTI ratio. Two of the three installment loans were opened two months ago; therefore, they cannot be excluded from borrower's DTI. Including these two payments, DTI exceeds the guideline maximum of 50% for a xxxxxx |  | Reviewer Comment (2022-11-02): Investor granted exception to allow exclusion of business debt with < 6 payments (new debt). DTI is within guidelines.<br>Reviewer Comment (2022-11-02): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 59.30053% exceeds Guideline total debt ratio of 50.00000%. | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129822 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.05 is less than Guideline PITIA months reserves of 6.00. | Per the guidelines, any 30 day revolving accounts must have the full balance reflected on the credit report deducted from available reserves. The credit report reflects an open 30 day account with a balance of $10,299. Subtracting this amount, along with the cash to close of $26,213.74, borrower is short the required 6 months reserves. | The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-02): Comp factors are incorrect on exception form. Credit score is not 10 points above minimum. Minimum for loan based on LTV is 680 and borrower is at 688.<br>Reviewer Comment (2022-11-02): Exception Explanation Updated from: Calculated PITIA months reserves of 1.71 is less than Guideline PITIA months reserves of 6.00. |  |  | 11/03/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129824 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-11-03): The appraisal dated xxxxxx notes on the addendum No Damage due to recent storm<br>Reviewer Comment (2022-11-02): The appraisal date does not make a difference since there is no disaster end date. A PDI is required per guidelines. |  |  | 11/03/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129844 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Missing evidence borrower is owner of business listed on 1099 and bank statements used to qualify the loan, along with evidence that it has been in existence for at least 2 years. |  | Reviewer Comment (2022-11-02): Articles of Org provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129849 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-02): Cleared Fraud report provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129939 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-11-02): Investor granted exception to allow exclusion of business debt with < 6 payments (new debt). DTI is within guidelines. | 11/02/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129940 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-11-02): Investor granted exception to allow exclusion of business debt with < 6 payments (new debt). DTI is within guidelines. | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129941 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 59.30053% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The loan file does not contain an approval or 1008 to determine how lender calculated borrower's debts; however, the file does contain an AUS showing that the 3 installment loans were excluded from borrower's total monthly debt obligations. Per guidelines, any business debt that is less than 6 months old must be included in the DTI ratio. Two of the three installment loans were opened two months ago; therefore, they cannot be excluded from borrower's DTI. Including these two payments, DTI exceeds the guideline maximum of 50% for a xxxxxx loan |  | Reviewer Comment (2022-11-02): Investor granted exception to allow exclusion of business debt with < 6 payments (new debt). DTI is within guidelines. | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27129942 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,437.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-11-03): SitusAMC Received COC dated xxxxxx with a valid reason for change. | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | 27146343 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, any business debt that is less than 6 months old must be included in the DTI ratio. Two of the three installment loans were opened two months ago; therefore, they cannot be excluded from borrower's DTI. Investor exception in file to exclude the debt. | The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-02): Comp factors are incorrect on exception form. Credit score is not 10 points above minimum. Minimum for loan based on LTV is 680 and borrower is at 688. |  |  | 11/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780188 | xxxxxx | 27125466 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.98580% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.98580%). |  |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780188 | xxxxxx | 27125468 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $510.00. Insufficient or no cure was provided to the borrower. (7506) | The Appriasal Fee increased from $510.00 on the initial Loan Estimate to $650.00 on the Loan Estimate dated xxxxxx . The file contains a change of circumstance form; however, the COC form does not provide the reason for the fee increase. |  | Reviewer Comment (2022-12-05): SitusAMC received PCCD, LOE, Proof of delivery & refund check.<br>Reviewer Comment (2022-11-16): SitusAMC received additional information stating the appraiser rejected the price quoted to borrower for the appraisal work. However, this is not necessarily a valid reason. We are missing information on "why" the fee quoted was rejected. Was it because the lender did not have accurate information on fee schedule or were their other factors that increased the cost over the fee schedule, such as distance or type of property and difficulty in comps, that would increase the cost over their fee schedule? Additional information does not show the reason for the higher cost over quoted and fee schedule and the comment log does not state the information from the appraiser on why they did not accept the quoted fee. Please provide the additional information to support the reason why the fee was greater over the fee schedule. As provided appraisers have a fee schedule and do not reject fee without a reason or unless quoted incorrectly by lender. Otherwise, cure due to borrower.<br>Reviewer Comment (2022-11-11): Fees added/increased after the Initial LE needs to be accompained by a valid COC. The reason provided for the increase in appraisal fee which states Appraiser's Quote is not a valid reason for increase in fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2022-11-08): SitusAMC received LOE stating that the increase in fee due to Appraiser QQuote...Changed Circumstance dated xxxxxx is present on file, but it does not give valid and sufficient information on why the Appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 12/05/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780188 | xxxxxx | 27125469 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,690.00 exceeds tolerance of $1,680.00. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax Fee increased from $1,680.00 on the initial Loan Estimate to $1,690.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-11-15): SitusAMC received PCCD, LOE, Proof of delivery & refund check. |  | 11/15/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27126650 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27129052 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.99055% exceeds Guideline total debt ratio of 45.00000%. | FTHB max is 45%. Per the 1008, the lender qualified the monthly credit debt at $672 vs actual $1,369. Borrower paid off 4 credit tradelines through close which was already considered. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-11): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 53.20599% exceeds Guideline total debt ratio of 45.00000%. |  |  | 11/11/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27129069 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.37689% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .37689%). |  |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27129070 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | FTHB max is 45%. Per the 1008, the lender qualified the monthly credit debt at $672 vs actual $1,369. Borrower paid off 4 credit tradelines through close which was already considered. |  | Reviewer Comment (2022-11-11): Client elects to waive with verified compensation factors. Condition no longer applies. | 11/11/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27129071 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | FTHB max is 45%. Per the 1008, the lender qualified the monthly credit debt at $672 vs actual $1,369. Borrower paid off 4 credit tradelines through close which was already considered. |  | Reviewer Comment (2022-11-11): Client elects to waive with verified compensation factors. Condition no longer applies. | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27131199 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | The preparer must attest they have prepared the borrower's most recent tax return and provide the borrower's ownership percentage. Further, proof of CPA current state license required, or EA (proof EA currently active on IRS web site), CTEC (proof CTEC currently active on CTEC web site) is required. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-11): CPA license provided. However, both CPA letters do not attest that they have prepared the borrower's most recent tax returns. |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27131282 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Arm's Length Transactions: Purchase between Family Members: Full Documentation only. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27131316 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-10): Gap report provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27131531 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Arm's Length Transaction: For-Sale-By-Owner (FSBO) transactions must be arm's-length. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27131745 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $950.00. Insufficient or no cure was provided to the borrower. (7506) | The appraisal expired on xxxxxx . The recert of value was not disclosed until closing. Outside of 3 days of discovery. Refund is due. |  | Reviewer Comment (2022-11-22): SitusAMC received: Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD. |  | 11/22/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | 27233074 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.99055% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-11): Client elects to waive with verified compensation factors |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779822 | xxxxxx | 27125665 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-11-10): Tax cert provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 779822 | xxxxxx | 27135654 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updaed 1003 reflecting the correct primary residence. Per the LOE, the borrower does not reside in xxxxxx. |  | Reviewer Comment (2022-11-17): Updated 1003 provided | 11/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 779822 | xxxxxx | 27135698 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month mortgage history for the borrower's primary residence on xxxxxx. or evidence free and clear. If borrower has no ownership in the property, a rent free letter from the owner will be required. |  | Reviewer Comment (2022-11-22): A rent-free letter was provided. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 778692 | xxxxxx | 27122543 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-02): Cleared Fraud Report provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778692 | xxxxxx | 27122795 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.20530% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .20530%). |  |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778692 | xxxxxx | 27122796 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization was not provided to the borrower. |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778692 | xxxxxx | 27122798 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2022-11-03): SitusAMC received initial CD dated xxxxxx three days prior to consummation. | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778692 | xxxxxx | 27122799 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided |  | Cure nor valid COC provided |  | Reviewer Comment (2022-11-22): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refun<br>Reviewer Comment (2022-11-18): SitusAMC received corrected PCCD, LOE, copy of refund check, and shipping label. Tracking indicates the label has been created; however, it has not been picked up for shipping. Proof of mailing is required to cure.<br>Reviewer Comment (2022-11-04): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Mortgage Broker fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/22/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778692 | xxxxxx | 27132755 | xxxxxx | xxxxxx | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Notary Fee | Payee not reflected |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27136285 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | A rate lock agreement was not provided in file. |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27136286 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.64031% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .64031%). |  |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27136287 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization was not provided in file. |  | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27136288 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Closing disclosure document not provided to the borrower at least three business days prior to closing. |  | Reviewer Comment (2022-11-03): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27136289 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $28,866.75 may be required. | Loan estimate not provided in the loan file. |  | Reviewer Comment (2022-11-03): SitusAMC received xxxxxx LE | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27136808 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Item # 10 on title |  | Reviewer Comment (2022-11-02): Email from title company provided stating Item #10 is satisfied and will not be on the FTP | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27136811 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. The pending litigation claim is not applicable to the subject unit or borrower. | HOA is the Plaintiff; they are suing construction company for items not acceptable. There is a letter in file from a licensed engineer confirming there are no structural/safety issues for the property. Additionally, building authority has issued and renewed occupancy certification and fire/safety certification | Investor exception in file, however comp factors are incorrect. DTI is not < =36%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-16): Client elects to waive<br>Reviewer Comment (2022-11-08): Escalated Review: HOA Cert: 0126<br> Court filing: 0131, 0129, 0132. Claims damages related to improper design and construction resulting in deficiencies and defects in:<br> • structural <br> • mechanical <br> • plumbing <br> • roofing <br> • HVAC <br> • waterproofing <br> • doors <br> • windows <br> • railings <br> • fire suppresion systemHOA board member email: 0232. Apparent email from HOA board member to lender states:<br> • Oct 2022 trial was postponed until Oct 2023 <br> • Some settlements were reached through mediation, but not at liberty to disclose the info <br> • A contract was signed with a company to repair leaks and roof, work expected to begin Oct 2022 & that funds would come from settlement/reserves. <br> Concerns:<br> • Numerous deficiencies claimed, including structural <br> • Unclear financial impact. Cost of repairs and legal services, and HOA financials/reserves are not documented.<br> This exception will need to remain a C due to it's material nature. |  |  | 11/16/2022 | 3 C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27148591 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,112.00 exceeds tolerance of $1,556.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) |  |  | Reviewer Comment (2022-11-03): Sufficient Cure Provided At Closing |  | 11/03/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27151539 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | SitusAMC received xxxxxx LE. Missing SSPL disclosure for proper testing |  | Reviewer Comment (2022-11-16): SSPL list provided | 11/16/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27151807 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,112.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | SitusAMC received xxxxxx LE. Sufficient cure at closing. |  | Reviewer Comment (2022-11-03): Sufficient cure at closing. | 11/03/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27151808 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $275.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104) | SitusAMC received xxxxxx LE. Sufficient cure at closing. |  | Reviewer Comment (2022-11-03): Sufficient cure at closing. | 11/03/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27151809 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) | SitusAMC received xxxxxx LE. Missing SSPL disclosure to determine if fee was shoppable or not and is held at 0% tolerance and viewed as not shoppable or a valid changed circumstance is received or SSPL disclosure showing shoppable. |  | Reviewer Comment (2022-11-04): SitusAMC received SSPL and therefore fee falls under unlimited tolernace. | 11/04/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27151810 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $60.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) | SitusAMC received xxxxxx LE. Missing SSPL disclosure to determine if fee was shoppable or not and is held at 0% tolerance and viewed as not shoppable or a valid changed circumstance is received or SSPL disclosure showing shoppable. |  | Reviewer Comment (2022-11-04): SitusAMC received SSPL and therefore fee falls under unlimited tolerance. | 11/04/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | 27267233 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $275.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  |  | Reviewer Comment (2022-11-16): Sufficient Cure Provided At Closing |  | 11/16/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27140037 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per guidelines, rural properties are not eligible. Per appraisal in file, subject location is Rural. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-03): Client elects to waive with verified compensation factors |  |  | 11/03/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27141194 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 53.51230% exceeds Guideline total debt ratio of 50.00000%. | Per the final 1003 and final 1008 provided, Lender did not include the PITIA payments for any of the REOs owned by the borrowers. Including all 3 of the REO PITI payments, DTI exceeds the guideline maximum of 50%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-08): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 64.21477% exceeds Guideline total debt ratio of 50.00000%.<br>Reviewer Comment (2022-11-07): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 71.93336% exceeds Guideline total debt ratio of 50.00000%. |  |  | 11/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27141335 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-11-02): Client elects to waive |  |  | 11/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27141336 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors. Condition no loner applies. | 11/08/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27141337 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding 50%. |  | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors. Condition no longer applies. | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27141338 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 64.21477% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Per the final 1003 and final 1008 provided, Lender did not include the PITIA payments for any of the REOs owned by the borrowers. Including all 3 of the REO PITI payments, DTI exceeds the guideline maximum of 50%. |  | Reviewer Comment (2022-11-08): See revised exception<br>Reviewer Comment (2022-11-07): Exception Detail Updated from: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 71.93336% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27141339 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Loan file contains list; however, it is not dated to determine if it was obtained within 10 days of the application date. |  | Reviewer Comment (2022-11-02): Client elects to waive |  |  | 11/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27141614 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-02): Client elects to waive |  |  | 11/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27188436 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, fixed expense ratio for bank statement income is 50%. The investor is granting an exception to utilize a lower expense factor of 40% based on industry/business/rental income. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | 27188485 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.51230% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779509 | xxxxxx | 27135626 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-11-04): Updated commitment provided | 11/04/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779509 | xxxxxx | 27135665 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Verification of First and Last Month Rent, Verification of Security Deposit | Borrowers are turning departing primary residence into an investment REO, which requires evidence of a copy of th e lease, a comparable rent schedule and first month's rent and security deposit. The first month's rent and security deposit.were not provided as required. |  | Reviewer Comment (2022-11-10): 1st month rents, security deposit received. 1007 in file.<br>Reviewer Comment (2022-11-04): The attached documents do not clear the condition. Need 1007, Lease Agreement, First months rent and security deposit for the REO. Document provided is a wire from a bank. | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | 27131518 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per guidelines, any gaps of employment greater than one month require an LOE from the borrower. Per final 1003, borrower had more than a one month gap between prior and current employment and the LOE was not provided. |  | Reviewer Comment (2022-11-09): LOE provided | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | 27131663 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-08): Gap provided | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | 27132253 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx xxxxxx employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Missing VOE for current employment dated within 10 days of Note date. |  | Reviewer Comment (2022-11-08): VOE provided | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | 27132265 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Per the title commitment, property is vested in borrower's name, married, as sole and separate property; however, DOT signed at closing indicates borrower is unmarried. Please provide deed executed at closing correcting vesting. |  | Reviewer Comment (2022-11-09): Deed provided | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | 27132348 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.96892% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.96892%). |  |  | Reviewer Comment (2022-11-02): Client elects to waive |  |  | 11/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | 27132349 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing VOE for current employment dated within 10 days of Note date. |  | Reviewer Comment (2022-11-08): VOE provided | 11/08/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | 27132350 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | Missing VOE for current employment dated within 10 days of Note date. |  | Reviewer Comment (2022-11-08): VOE provided | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | 27132351 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing VOE. |  | Reviewer Comment (2022-11-08): VOE provided | 11/08/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779091 | xxxxxx | 27137004 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | Subject is identified on xxxxxx Appraisal as Mixed Use; however, per Exterior and other supporting documentation, it is a multifamily residential property (xxxxxx units). There are no photos or information indicating commercial use. |  | Reviewer Comment (2023-01-05): Updated appraisal provided<br>Reviewer Comment (2022-12-09): The appraisal reflects Mixed Use. The BPO reflects Multi-Family. If the appraisal is incorrect, it must be updated in all sections that reflect Mixed Use.<br>Reviewer Comment (2022-11-28): The appraisal reflects Mixed Use. The BPO reflects Multi-Family. If the appraisal is incorrect, it must be updated in all sections that reflect Mixed Use. | 01/05/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779091 | xxxxxx | 27151268 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the borrower's primary residence or evidence free and clear. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-01-09): Corrected and initialed application provided. Pending receipt of updated mortgage history. The deed reflects transferred to Guarantor and additional party on xxxxxx . Payments only provided for 4/2022-9/2022.<br>Reviewer Comment (2022-11-28): Seller comments reflect test- please ignore. Pushed back.<br>Reviewer Comment (2022-11-28): The application provided does not reflect the borrower's primary residence is on xxxxxx. If this is incorrect, an updated application will be required. Further, the payment history for xxxxxx only covers 4/2022-9/2022 which is only for 5 months. A 12 month history is required. |  |  | 01/09/2023 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779236 | xxxxxx | 27143624 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization provided in file does not reflect the list update. |  | Reviewer Comment (2022-11-03): Client elects to waive |  |  | 11/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779236 | xxxxxx | 27143626 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | The loan estimate not delivered to the borrower within three business days of the application. |  | Reviewer Comment (2022-11-14): SitusAMC received earlier signed LE | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779236 | xxxxxx | 27143812 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing credit report gap. |  | Reviewer Comment (2022-11-07): Gap report provided | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27143858 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-11-08): Flood Cert | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27143915 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure |  | Reviewer Comment (2022-11-02): Client elects to waive |  |  | 11/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27143916 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.90860% or Final Disclosure APR of 9.97400% is in excess of allowable threshold of APOR 6.38% + 1.5%, or 7.88000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-11-08): LE provided with right to receive appraisal disclosure acknowledgment | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27143917 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. |  | Reviewer Comment (2022-11-09): SitusAMC received the LE.<br>Reviewer Comment (2022-11-08): No Loan Estimate was provided for this loan. | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27143918 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock documentation not provided. |  | Reviewer Comment (2022-11-02): Client elects to waive |  |  | 11/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27143919 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.42781% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .42781%). |  |  | Reviewer Comment (2022-11-02): Client elects to waive |  |  | 11/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27143920 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-02): Client elects to waive |  |  | 11/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27143921 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | File only contains the final CD. Please provide all CDs. |  | Reviewer Comment (2022-11-09): SitusAMC received xxxxxx CD 3 business days prior to consummation | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27143923 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $19,008.59 may be required. | File does not contain any LE's. Please provide all LE's. |  | Reviewer Comment (2022-11-09): SitusAMC received the LE. | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27195839 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,718.40 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | SitusAMC COC dated xxxxxx shows discount point change to $1074; however, in actual we do not have any CD showing discount point $1074. Provide any missing CD if available. |  | Reviewer Comment (2022-11-11): SitusAMC received CD dated xxxxxx . | 11/11/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27195898 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $45.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7562) | SitusAMC Title - Closing Protection Letter charged on CD dated xxxxxx paid by borrower without valid COC. Provide Valid COC or Cure Docs or SSPL in order to evaluate the correct tolerance category. |  | Reviewer Comment (2022-11-11): SitusAMC received SSPL. | 11/11/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27195899 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7566) | SitusAMC Title - Insurance Binder Fee charged on CD dated xxxxxx paid by borrower without valid COC. Provide Valid COC or Cure Docs or SSPL in order to evaluate the correct tolerance category. |  | Reviewer Comment (2022-11-11): SitusAMC received SSPL. | 11/11/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | 27195900 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Provide SSPL |  | Reviewer Comment (2022-11-11): SitusAMC received SSPL. | 11/11/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779256 | xxxxxx | 27144000 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The file contains a gift letter; however, the gift letter did not provide the date the funds were to be transferred. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779256 | xxxxxx | 27144075 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-07): Gap report provided | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779256 | xxxxxx | 27144731 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.71 is less than Guideline PITIA months reserves of 6.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779256 | xxxxxx | 27144739 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.87681% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .87681%). |  |  | Reviewer Comment (2022-11-02): Client elects to waive |  |  | 11/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | 27145558 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HOI policy provided lists Lender only. |  | Reviewer Comment (2022-11-07): Updated HOI provided | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | 27145570 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Guidelines for the P&L program require the C xxxxxx preparer to attest they have prepared the borrower's tax returns. The CPA letter provided does not contain this attestation as required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-09): Client elects to waive with verified compensator factors<br>Reviewer Comment (2022-11-08): The CPA letter in file verifies that the borrower, xxxxxx has been preparing a corporate income tax return for the last 4 years. The CPA does not verify that they prepared or files the returns. |  |  | 11/09/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | 27145659 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-07): Delivery received | 11/07/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | 27145660 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.13930% or Final Disclosure APR of 9.18000% is in excess of allowable threshold of APOR 5.95% + 1.5%, or 7.45000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-11-07): Delivery received | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | 27145661 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-11-07): Delivery received | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | 27145662 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-03): Client elects to waive |  |  | 11/03/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | 27145664 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | File only contains the final CD. Please provide all additional CDs. |  | Reviewer Comment (2022-11-08): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779099 | xxxxxx | 27171145 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-02): The policy provided is dated post close and not acceptable. |  |  | 12/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778990 | xxxxxx | 27145981 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx | Disaster Name: HURRICANE xxxxx<br> Disaster Declaration Date: xxxxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-11-08): Appraisal completed after disaster dated xxxxxx . Comments in item #39 reflects No Damage due to recent disaster. |  |  | 11/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779579 | xxxxxx | 27159141 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-04): Client elects to waive |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779579 | xxxxxx | 27159350 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list was provided; however, it's not dated to determine if it was obtained within 10 days of application date. |  | Reviewer Comment (2022-11-04): Client elects to waive |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779579 | xxxxxx | 27159353 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $1,000.00. Insufficient or no cure was provided to the borrower. (7507) | Zero percent fee tolerance exceeded. The changed circumstance form provided does not list a valid reason for the increase in this fee. |  | Reviewer Comment (2022-11-22): SitusAMC Received PCCD, LOE, Refund Check and Proof of Mailing<br>Reviewer Comment (2022-11-17): SitusAMC received PCCD, LOE & proof of mailing. Missing Copy of Refund Check.<br>Reviewer Comment (2022-11-16): No PCCD, LOE and shipping label attached. Please provide the valid COC or cure docs required.<br>Reviewer Comment (2022-11-11): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Second Appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/22/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27151610 | xxxxxx | xxxxxx | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27152153 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-09): Gap report provided | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27157857 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | The file is missing a copy of the Appraisal Disclosure. |  | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27157858 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.50420% or Final Disclosure APR of 9.54100% is in excess of allowable threshold of APOR 6.79% + 1.5%, or 8.29000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the Appraisal Disclosure. |  | Reviewer Comment (2022-11-09): Right to receive appraisal disclosure provided | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27157859 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | The file is missing a copy of the Appraisal Disclosure. |  | Reviewer Comment (2022-11-10): SitusAMC received the initial LE. | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27157860 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.20194% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .20194%). |  |  | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27157861 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the Homeownership Counseling List. |  | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27157862 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of counseling agencies list per Maryland HB 1399. | The file is missing a copy of the Maryland Homeownership Counseling Agencies Disclosure. |  | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27157863 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | The file is missing a copy of the Maryland HPML Disclosure. |  | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Lender attestation indicating that (1) the borrower did not qualify for any non-higher-priced loans or (2) the lender does not offer non-higher-priced loans. C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27157864 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 9.50420% or Final Disclosure APR of 9.54100% is in excess of allowable threshold of APOR 6.79% + 1.5%, or 8.29000%. Non-Compliant Higher Priced Loan. | The loan is non-compliant with Maryland HPML due to missing the Maryland Counseling Agencies Disclosure and the HPML Disclosure. |  | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27157865 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $25,524.86 may be required. | The file is missing a copy of the Loan Estimate(s). |  | Reviewer Comment (2022-11-10): SitusAMC received the initial LE. | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27158019 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27245953 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | SSPL list was not provided |  | Reviewer Comment (2022-11-16): SitusAMC Received copy of missing Service providers list(SSPL). | 11/16/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27245954 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) | Cure not valid COC was provided for increase in fee. |  | Reviewer Comment (2022-11-16): SitusAMC Received copy of missing Service providers list(SSPL), fees fall within tolerance. | 11/16/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | 27245955 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77179) | Cure not valid COC was provided for increase in fee |  | Reviewer Comment (2022-11-16): SitusAMC Received copy of missing Service providers list(SSPL), fees fall within tolerance. | 11/16/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779170 | xxxxxx | 27159525 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, FTHB are not eligible to purchase investment properties. Per final 1003, borrower is a FTHB and subject transaction is a purchase of an investment property. Loan file contains investor exception request. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-04): Client elects to waive with verified compensation factors |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779170 | xxxxxx | 27160545 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Per guidelines, minimum loan amount for xxxxxx is $150,000. Subject loan was approved with a loan amount of xxxxxx . Loan file contains investor exception request. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-04): Client elects to waive with verified compensation factors |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779170 | xxxxxx | 27160549 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-04): Client elects to waive |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779170 | xxxxxx | 27205874 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $1,338.44 does not match Calculated P&I of $852.53 | Cure provisions: Executed revised Note and LOE to borrower. |  | Reviewer Comment (2022-11-28): Evidence of delivery provided<br>Reviewer Comment (2022-11-22): Received executed revised Note and LOE to borrower; however, the mailing label in the file indicates only that the label was created, not that it was sent or received by borrower. Need evidence of delivery to borrower, as the revised Note received was signed. | 11/28/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | 27166013 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-04): Client elects to waive |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | 27166305 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-04): Client elects to waive |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | 27166306 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 7.72945% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 2.72945%). |  |  | Reviewer Comment (2022-11-04): Client elects to waive |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | 27166308 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Late Charge | California Non Primary Residence Late Charge Grace Period Testing | California Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2022-11-04): Client elects to waive |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | 27172325 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Per the HUD-1 in file, the borrower is paying off personal debt. Loan is considered a Consumer Purpose Investment Property. The PPP is not permissible. |  | Reviewer Comment (2022-12-05): Client elects to waive<br>Reviewer Comment (2022-12-05): Regraded exception to Open EV2-B. No explicit cure provision for violation of 1026.43(g). Good faith cure made by lender by removing PPP. Borrower was provided new note indicating there would be no penalty for prepayment.<br>Reviewer Comment (2022-11-09): The same HUD-1 was provided that was in file at time of review. Per the HUD-1 in file, the borrower is paying off personal debt. Loan is considered a Consumer Purpose Investment Property. The PPP is not permissible. |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | 27172326 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Closing Disclosures in the Loan File | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is not subject to high cost testing. | Per the HUD-1 in file, the borrower is paying off personal debt. Loan is considered a Consumer Purpose Investment Property. ATR and TRID apply. |  | Reviewer Comment (2022-12-09): Client elects to waive. SOL 1 year expires xxxxxx <br>Reviewer Comment (2022-11-09): The same HUD-1 was provided that was in file at time of review. Per the HUD-1 in file, the borrower is paying off personal debt. Loan is considered a Consumer Purpose Investment Property. ATR and TRID apply. |  |  | 12/09/2022 | 3 C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | 27172328 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $0.00 may be required. | Per the HUD-1 in file, the borrower is paying off personal debt. Loan is considered a Consumer Purpose Investment Property. ATR and TRID apply. |  | Reviewer Comment (2022-12-09): Client elects to waive. SOL 1 year expires xxxxxx <br>Reviewer Comment (2022-11-09): The same HUD-1 was provided that was in file at time of review. Per the HUD-1 in file, the borrower is paying off personal debt. Loan is considered a Consumer Purpose Investment Property. ATR and TRID apply. |  |  | 12/09/2022 | 3 C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | 27172362 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The policy in file is mostly blank and is missing critical information (i.e. dwelling coverage, effective date, end date, Agency, Company, etc) |  | Reviewer Comment (2022-11-14): HOI provided<br>Reviewer Comment (2022-11-09): The same policy was provided that was in file at time of review. The policy in file is mostly blank and is missing critical information (i.e. dwelling coverage, effective date, end date, Agency, Company, etc) | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | 27165489 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing credit report gap. |  | Reviewer Comment (2022-11-09): Gap report provided | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | 27165522 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1084 or income worksheet, CPA Letter | Missing CPA letter. |  | Reviewer Comment (2022-11-09): CPA letter provided. Guidelines do not require an income worksheet. | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | 27165528 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | 27165607 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Lease Agreement, Statement, Tax Verification | Provide the mortgage statement for the reo property to verify taxes and insurance are included in the monthly payment. Further rental income is being utilized on the departing residence, a lease agreement, 1007 with estimated rents, security deposit, and 1st-month rent are required. |  | Reviewer Comment (2022-11-11): Taxes and insurance provided. Rental income not being utilized. | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | 27166585 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The CPA and or third party verification of employment was not provided in file. |  | Reviewer Comment (2022-11-09): CPA letter provided | 11/09/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | 27166586 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx, xxxxxx I/Bank Statements) | The CPA and or third party verification of employment was not provided in file. |  | Reviewer Comment (2022-11-09): CPA letter provided | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | 27166588 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The CPA and or third party verification of employment was not provided in file. |  | Reviewer Comment (2022-11-09): CPA letter provided | 11/09/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | 27166589 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeownership counseling organization provided does not reflect a list update. |  | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | 27166590 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Amount of Non-Escrowed Property Costs over Year 1. (Final xxxxxx) | The final CD does not reflect the non-escrowed property cost over year one. |  | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | 27166520 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file contains a 1008; however, the 1008 does not contain the underwriter's name. |  | Reviewer Comment (2022-11-09): Approval provided<br>Reviewer Comment (2022-11-09): The approval provided is not for the subject property. | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | 27167242 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-10): Updated fraud report with UDM provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | 27167559 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-10): Appraisal delivery | 11/10/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | 27167560 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.52490% or Final Disclosure APR of 10.52900% is in excess of allowable threshold of APOR 6.74% + 1.5%, or 8.24000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-11-10): Appraisal delivery | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | 27167561 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-10): Appraisal delivery | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | 27167562 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | 27167564 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The Appraisal Desk Review Fee increased from $0.00 on the initial Loan Estimate to $120.00 on the initial Closing Disclosure. The file contains a change of circumstance (COC) form; however, the COC did not provide the reason for the needing to be added. |  | Reviewer Comment (2022-11-17): SitusAMC received valid COC dated xxxxxx . | 11/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | 27167573 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-11-10): Supp report provided | 11/10/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | 27167577 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-07): The client elects to waive. |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779474 | xxxxxx | 27169704 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 779474 | xxxxxx | 27576243 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow use of lease rents with only 1 month verification of rent in file for DSCR calculations. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-03): Client elects to waive with verified compensation factors |  |  | 01/03/2023 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 777820 | xxxxxx | 27167785 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Per guidelines, a gap or unidsclosed debt monitoring report is required no more than 10 days prior to loan closing or any time after closing. The gap report provided is dated xxxxxx , which is more than 10 days prior to the loan closing date of xxxxxx (per notarized deed of trust date). | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-09): Lender would like to waive |  |  | 11/10/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777820 | xxxxxx | 27168296 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.07 is less than Guideline PITIA months reserves of 6.00. | Per guidelines, the amount of business assets that may be utilized is limited to the borrower's ownership percentage of the business. Per the CPA letter provided, borrower is 50% owner of the business indicated on the business bank statements. Utilizing 50% of these accounts, borrower is short the required 6 months reserves for a FTHB. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-09): An access letter does not clear this as the guidelines specifically say the usage is limited to the ownership % in the business. |  |  | 11/10/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777820 | xxxxxx | 27168309 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-04): Client elects to waive |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777820 | xxxxxx | 27168404 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-04): Client elects to waive |  |  | 11/04/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777820 | xxxxxx | 27168406 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim xxxxxx) | Loan Estimate dated xxxxxx was received by borrower on or after the Closing Disclosure dated xxxxxx . |  | Reviewer Comment (2022-11-11): SitusAMC received documentation of issue and receipt dates.<br>Reviewer Comment (2022-11-10): No electronic documentation of receipt was located in the loan file for the xxxxxx CD. Please provide documentation of receipt. | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777820 | xxxxxx | 27168408 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $14,161.50 exceeds tolerance of $14,160.00. Insufficient or no cure was provided to the borrower. (73109) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-11-10): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 11/10/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777820 | xxxxxx | 27168409 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $153.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-11-10): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 11/10/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778322 | xxxxxx | 27170690 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778322 | xxxxxx | 27170936 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-09): FTP provided | 12/09/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778322 | xxxxxx | 27181219 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPL and Title reflects the city as xxxxxx vs. the Note/DOT which reflect the city as xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-10): Client elects to waive with verified compensation factors |  |  | 11/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778322 | xxxxxx | 27181318 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal report with a completion date of xxxxxx reflects a City of xxxxxx vs. Note/DOT which reflect a city of xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-10): Client elects to waive with verified compensation factors |  |  | 11/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778322 | xxxxxx | 27181346 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 86.66667% exceeds Guideline loan to value percentage of 70.00000%. | 2 appraisal reports, dated prior to closing and within 120 days of closing along with a CDA were provided in the loan file. The lowest appraisal value needs to be utilized for securitization purposes since the value is >10% between appraisals. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-14): The borrower name on the appraisal report has no consideration on this condition. The report is for the subject property and was completed at the time of origination review. Appraisal cannot be disregarded for securitization. |  |  | 12/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778322 | xxxxxx | 27181454 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM's for the liens paid through closing for 12 months. If from a private party or non-institiuonal lender, cancelled checks will be required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): The Final Title policy does not clear this condition as a history is required.<br>Reviewer Comment (2022-11-11): Document provided is a payoff which does not clear the condition. Provide the VOM for the liens paid through closing for xxxxxx and xxxxxx. Both appear to be private/non-institutional lenders, therefore cancelled checks will also be required. |  |  | 12/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779010 | xxxxxx | 27170135 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779010 | xxxxxx | 27170138 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The subject unit number is missing from the CDA provided. |  | Reviewer Comment (2022-11-14): Updated CDA provided | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779010 | xxxxxx | 27170221 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.19833% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .19833%). |  |  | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779010 | xxxxxx | 27170222 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was provided; however, it was not dated to determine if it was obtained within 10 days of application date. |  | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779010 | xxxxxx | 27170224 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $241.00 exceeds tolerance of $199.00 plus 10% or $218.90. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Ten Percent Fee Tolerance exceeded; however, sufficient cure provided at closing. |  | Reviewer Comment (2022-11-04): Sufficient Cure Provided At Closing |  | 11/04/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779010 | xxxxxx | 27170225 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Zero Percent Fee Tolerance exceeded; however, sufficient cure provided at closing. |  | Reviewer Comment (2022-11-04): Sufficient Cure Provided At Closing |  | 11/04/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779010 | xxxxxx | 27184464 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Provide the litigation documents for review. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive<br>Reviewer Comment (2022-11-14): downgraded request to xxxxxx Policy and financials support<br>Reviewer Comment (2022-11-11): Escalated for review. Once DD hears back, we will update the condition. |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779010 | xxxxxx | 27245647 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779780 | xxxxxx | 27171138 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM missing for subject property |  | Reviewer Comment (2022-12-01): VOM provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779780 | xxxxxx | 27171221 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization are missing from the file |  | Reviewer Comment (2022-12-01): Articles provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779780 | xxxxxx | 27171230 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing from file |  | Reviewer Comment (2022-12-02): COGS provided | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779780 | xxxxxx | 27171235 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Subject lease is missing from file |  | Reviewer Comment (2022-12-14): Lease Agreement provided<br>Reviewer Comment (2022-12-01): Only the Ext was provided. Provide the full lease agreement. | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779780 | xxxxxx | 27171427 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-08): Client elects to waive |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779780 | xxxxxx | 27191864 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2022-12-01): Corp Res provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779780 | xxxxxx | 27191879 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Document in file is signed but blank. Sections 1 and 2 were not completed. |  | Reviewer Comment (2022-12-09): Updated occupancy signed | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779780 | xxxxxx | 27191922 | xxxxxx | xxxxxx | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Required on Entity loans in community property states. |  | Reviewer Comment (2022-12-29): Spousal consent form provided<br>Reviewer Comment (2022-12-21): The spousal consent form provided is not complete. The first paragraph is missing the name of spouse, name of guarantor, date, seller, etc are all missing. Please provide fully completed spousal consent form. | 12/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780204 | xxxxxx | 27178355 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-08): Client elects to waive |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 780161 | xxxxxx | 27173337 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx | Dry State: The hazard insurance policy is effective as of xxxxxx which is after the disbursement date xxxxxx . |  | Reviewer Comment (2022-11-16): Final SS provided verifying disbursement date of xxxxxx <br>Reviewer Comment (2022-11-14): The PC-CD alone does not clear this condition as it is a lender generated document. Provide the executed/stamped certified Final Settlement Statement verifying disbursement date. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780161 | xxxxxx | 27173338 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-11-16): Supplement to title provided | 11/16/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780161 | xxxxxx | 27173339 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-08): Client elects to waive |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780161 | xxxxxx | 27173462 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | The guidelines require inconsistent or large deposits should be sourced or excluded from the analysis. The definition of an inconsistent or large deposit is any deposit exceeding 50% of the average monthly sales of the business. The 50% of the average monthly sale is $17,782.99. The following large deposits were not sourced: $45,745.60 on xxxxxx ; $41,035.55 on xxxxxx ; $37,384.71 on xxxxxx ; $28,643.77 on xxxxxx ; $35,276.30 on xxxxxx ; $32,776.24 on xxxxxx ; $26,608.53 on xxxxxx ; $20,122.04 on xxxxxx ; $21,350.19 on xxxxxx |  | Reviewer Comment (2022-11-16): Per investor email, they are accepting the business listing of items for sale and the bank statements reflecting large deposits are from xxxxxx is acceptable for sourcing.<br>Reviewer Comment (2022-11-14): The source documents will need to be provided as required per the guidelines when large deposits are in excess of 50%. (payment history from xxxxxx, sales receipts/invoices, etc). | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27180488 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2022-11-11): Final 1003 provided | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181246 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require 12 month housing history for a First Time Home Buyer. The file contains a letter of explanation that the borrower pays rent in cash. There is no other documentation to verify the rental history as well as cash payments cannot be verified. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-11): Client elects to waive with verified compensation factors |  |  | 11/11/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181613 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181614 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181615 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.48820% or Final Disclosure APR of 8.49100% is in excess of allowable threshold of APOR 6.74% + 1.5%, or 8.24000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to consummation as well as evidence the updated appraisal dated xxxxxx was delivered to the borrower. |  | Reviewer Comment (2022-11-16): Appraisal deliveries provided<br>Reviewer Comment (2022-11-16): No new documents were provided for this condition. Please try uploading again. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181616 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to consummation as well as evidence the updated appraisal dated xxxxxx was delivered to the borrower. |  | Reviewer Comment (2022-11-16): Appraisal deliveries provided<br>Reviewer Comment (2022-11-16): No new documents were provided for this condition. Please try uploading again. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181617 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to consummation as well as evidence the updated appraisal dated xxxxxx was delivered to the borrower. |  | Reviewer Comment (2022-11-16): Appraisal deliveries provided<br>Reviewer Comment (2022-11-16): No new documents were provided for this condition. Please try uploading again. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181618 | xxxxxx | xxxxxx | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. No high cost analysis in file. |  | Reviewer Comment (2022-12-07): Cure documentation received. Loan no longer HOEPA loan.<br>Reviewer Comment (2022-11-18): The document provided does not clear the condition. The loan was re-tested with the undiscounted rate and price already. Cure provisions for HOEPA: The required cure documentation that would be expected of lender or assignee, within 60 days of discovery, would include:<br> 1. LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant<br> 2. Borrower signed letter indicating choice confirming the cure method chosen was their decision<br> 3. If borrower requests refund, copy of the refund check<br> 4. Proof of delivery to borrower (e.g., FedEx label) (assuming borrower chooses refund)<br> 5. If borrower chooses to keep the loan high-cost over the refund, we would require proof that any failed prohibited practice exceptions were cured thereby making the loan a compliant high-cost loan.<br>Reviewer Comment (2022-11-16): Retested loan utilizing undiscounted rate of 8% and price of 0. The HOEPA and High Cost conditions are valid and there are no bonafide discount points that can be excluded.<br>Reviewer Comment (2022-11-11): The document provided reflects the undiscounted rate but not the price. This is not the discount points charged on the loan. Provide the undiscounted rate and price via a loan discount point worksheet or other documentation. | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181619 | xxxxxx | xxxxxx | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. No high cost analysis in file. |  | Reviewer Comment (2022-12-07): Cure documentation received. Loan no longer HOEPA loan.<br>Reviewer Comment (2022-11-18): The document provided does not clear the condition. The loan was re-tested with the undiscounted rate and price already. Cure provisions for HOEPA: The required cure documentation that would be expected of lender or assignee, within 60 days of discovery, would include:<br> 1. LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant<br> 2. Borrower signed letter indicating choice confirming the cure method chosen was their decision<br> 3. If borrower requests refund, copy of the refund check<br> 4. Proof of delivery to borrower (e.g., FedEx label) (assuming borrower chooses refund)<br> 5. If borrower chooses to keep the loan high-cost over the refund, we would require proof that any failed prohibited practice exceptions were cured thereby making the loan a compliant high-cost loan.<br>Reviewer Comment (2022-11-16): Retested loan utilizing undiscounted rate of 8% and price of 0. The HOEPA and High Cost conditions are valid and there are no bonafide discount points that can be excluded.<br>Reviewer Comment (2022-11-11): The document provided reflects the undiscounted rate but not the price. This is not the discount points charged on the loan. Provide the undiscounted rate and price via a loan discount point worksheet or other documentation. | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181620 | xxxxxx | xxxxxx | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. No high cost analysis in file. |  | Reviewer Comment (2022-12-07): Cure documentation received. Loan no longer HOEPA loan.<br>Reviewer Comment (2022-11-18): The document provided does not clear the condition. The loan was re-tested with the undiscounted rate and price already. Cure provisions for HOEPA: The required cure documentation that would be expected of lender or assignee, within 60 days of discovery, would include:<br> 1. LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant<br> 2. Borrower signed letter indicating choice confirming the cure method chosen was their decision<br> 3. If borrower requests refund, copy of the refund check<br> 4. Proof of delivery to borrower (e.g., FedEx label) (assuming borrower chooses refund)<br> 5. If borrower chooses to keep the loan high-cost over the refund, we would require proof that any failed prohibited practice exceptions were cured thereby making the loan a compliant high-cost loan.<br>Reviewer Comment (2022-11-16): Retested loan utilizing undiscounted rate of 8% and price of 0. The HOEPA and High Cost conditions are valid and there are no bonafide discount points that can be excluded.<br>Reviewer Comment (2022-11-11): The document provided reflects the undiscounted rate but not the price. This is not the discount points charged on the loan. Provide the undiscounted rate and price via a loan discount point worksheet or other documentation. | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181621 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.54908% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .54908%). Non-Compliant High Cost Loan. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. No high cost analysis in file. |  | Reviewer Comment (2022-12-07): SitusAMC received borrower choice letter, copy of refund check, LOE, and proof of mailing.<br>Reviewer Comment (2022-11-22): Exception Detail Updated from: Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.54688% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .54688%). Non-Compliant High Cost Loan.<br>Reviewer Comment (2022-11-18): The document provided does not clear the condition. The loan was re-tested with the undiscounted rate and price already. Cure provisions for HOEPA: The required cure documentation that would be expected of lender or assignee, within 60 days of discovery, would include:<br> 1. LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant<br> 2. Borrower signed letter indicating choice confirming the cure method chosen was their decision<br> 3. If borrower requests refund, copy of the refund check<br> 4. Proof of delivery to borrower (e.g., FedEx label) (assuming borrower chooses refund)<br> 5. If borrower chooses to keep the loan high-cost over the refund, we would require proof that any failed prohibited practice exceptions were cured thereby making the loan a compliant high-cost loan.<br>Reviewer Comment (2022-11-16): Retested loan utilizing undiscounted rate of 8% and price of 0. The HOEPA and High Cost conditions are valid and there are no bonafide discount points that can be excluded.<br>Reviewer Comment (2022-11-11): The document provided reflects the undiscounted rate but not the price. This is not the discount points charged on the loan. Provide the undiscounted rate and price via a loan discount point worksheet or other documentation. |  | 12/07/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181622 | xxxxxx | xxxxxx | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. No high cost analysis in file. |  | Reviewer Comment (2022-12-07): Cure documentation received. Loan no longer HOEPA loan.<br>Reviewer Comment (2022-11-18): The document provided does not clear the condition. The loan was re-tested with the undiscounted rate and price already. Cure provisions for HOEPA: The required cure documentation that would be expected of lender or assignee, within 60 days of discovery, would include:<br> 1. LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant<br> 2. Borrower signed letter indicating choice confirming the cure method chosen was their decision<br> 3. If borrower requests refund, copy of the refund check<br> 4. Proof of delivery to borrower (e.g., FedEx label) (assuming borrower chooses refund)<br> 5. If borrower chooses to keep the loan high-cost over the refund, we would require proof that any failed prohibited practice exceptions were cured thereby making the loan a compliant high-cost loan.<br>Reviewer Comment (2022-11-16): Retested loan utilizing undiscounted rate of 8% and price of 0. The HOEPA and High Cost conditions are valid and there are no bonafide discount points that can be excluded.<br>Reviewer Comment (2022-11-11): The document provided reflects the undiscounted rate but not the price. This is not the discount points charged on the loan. Provide the undiscounted rate and price via a loan discount point worksheet or other documentation. | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181623 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 5.54688% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 2.54688%). |  |  | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181626 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $116.43 exceeds tolerance of $80.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $80.00 on the initial Loan Estimate to $116.43 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-11-22): SitusAMC received Post CD,LOX, Copy of refund check and proof of mailing.<br>Reviewer Comment (2022-11-14): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Credit Report fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/22/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27181650 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | 27326076 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $116.43 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower. (7520) | SitusAMC received Post CD ,LOX, copy of refund check and proof of mailing. |  | Reviewer Comment (2022-11-23): Sufficient Cure Provided within 60 Days of Closing |  | 11/23/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | 27180508 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on appraisal differs from note, however an appraisal transfer letter was not provided in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | 27180534 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | 27180740 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.10350% or Final Disclosure APR of 10.11200% is in excess of allowable threshold of APOR 6.38% + 1.5%, or 7.88000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the appraisal was delivered to the borrower within 3 days prior to consummation. |  | Reviewer Comment (2022-11-10): Delivery provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | 27180741 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | This is due to the lender on appraisal differs from the note. |  | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | 27180742 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the appraisal was delivered to the borrower within 3 days prior to consummation. |  | Reviewer Comment (2022-11-10): Delivery provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | 27180743 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.77392% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .77392%). |  |  | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | 27180744 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization was not provided with a list update reflecting on the document. |  | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | 27180752 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) | Provide evidence the appraisal was delivered to the borrower within 3 days prior to consummation. |  | Reviewer Comment (2022-11-10): Delivery provided | 11/10/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | 27203827 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The undated CPA letter in file states the borrower has been self employed with the business for over 2 years. However, the Articles of Org and the Third Party business search documents reflect < 2 years self employed with the company. |  | Reviewer Comment (2022-11-10): Additional CPA letter provided reflecting SE as sole owner in 2020 prior to Inc. | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775090 | xxxxxx | 27179966 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $22,918.72 is less than Cash From Borrower $85,972.50. |  |  | Reviewer Comment (2022-12-12): Prelims and Final HUDs/Settlement Statements provided for additional financed properties C/O.<br>Reviewer Comment (2022-12-09): If the seller can provide a prelim HUD-1 for both those refinanced properties to utilize for proceeds on the current transaction, kind of like CCT, we would be able to take that along with the Final and utilize the funds for closing/reserves as long as it is dated prior to closing of this current transaction. If not, then an exception would need to be granted for short funds/reserves.<br>Reviewer Comment (2022-12-07): The closing/consummation date is the date the DOT was executed which was xxxxxx . The Settlement Statement does not supersede this as well as borrower needed sufficient funds to close at time of closing vs. disbursement.<br>Reviewer Comment (2022-12-01): The attached document is an unexecuted HUD-1 for the subject property which does not clear the condition. Please see comments from xxxxxx and xxxxxx . Additional property refinance HUD's are dated post closing and cannot be considered.<br>Reviewer Comment (2022-11-29): The additional closing statement provided is still dated post closing and not acceptable.<br>Reviewer Comment (2022-11-28): The HUD-1 provided and closing statement provided with proceeds are dated post-closing and cannot be considered. This current transaction closed xxxxxx and the HUD-1 is dated xxxxxx and closing statement dated xxxxxx . Disbursement date has not bearing on this. | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775090 | xxxxxx | 27179985 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775090 | xxxxxx | 27180326 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. |  |  | Reviewer Comment (2022-12-12): Prelims and Final HUDs/Settlement Statements provided for additional financed properties C/O.<br>Reviewer Comment (2022-12-09): If the seller can provide a prelim HUD-1 for both those refinanced properties to utilize for proceeds on the current transaction, kind of like CCT, we would be able to take that along with the Final and utilize the funds for closing/reserves as long as it is dated prior to closing of this current transaction. If not, then an exception would need to be granted for short funds/reserves.<br>Reviewer Comment (2022-12-07): The closing/consummation date is the date the DOT was executed which was xxxxxx . The Settlement Statement does not supersede this as well as borrower needed sufficient funds to close at time of closing vs. disbursement.<br>Reviewer Comment (2022-12-01): The attached document is an unexecuted HUD-1 for the subject property which does not clear the condition. Please see comments from xxxxxx and xxxxxx . Additional property refinance HUD's are dated post closing and cannot be considered.<br>Reviewer Comment (2022-11-29): The additional closing statement provided is still dated post closing and not acceptable.<br>Reviewer Comment (2022-11-28): The HUD-1 provided and closing statement provided with proceeds are dated post-closing and cannot be considered. This current transaction closed xxxxxx and the HUD-1 is dated xxxxxx and closing statement dated xxxxxx . Disbursement date has not bearing on this. | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780339 | xxxxxx | 27184140 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Margin is ineligible per guidelines. |  | The guidelines require a margin of 4%; however, the note reflects the loan was approved with a margin of 5%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-11): Client elects to waive with verified compensation factors |  |  | 11/11/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780339 | xxxxxx | 27184540 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines require a letter of explanation for all inquiries in the last 90 days. The credit report reflects 9 inquiries. The file does not contain the required LOE for the inquiries. |  | Reviewer Comment (2022-11-11): LOE provided | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780339 | xxxxxx | 27184638 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780339 | xxxxxx | 27184640 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.74760% or Final Disclosure APR of 8.76100% is in excess of allowable threshold of APOR 6.38% + 1.5%, or 7.88000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the updated appraisal dated xxxxxx was delivered to the borrower. |  | Reviewer Comment (2022-11-11): Appraisal delivery provided | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780339 | xxxxxx | 27184641 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the updated appraisal dated xxxxxx was delivered to the borrower. |  | Reviewer Comment (2022-11-11): Appraisal delivery provided | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780339 | xxxxxx | 27184650 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-09): Client elects to waive with verified compensation factors |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780339 | xxxxxx | 27225070 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778440 | xxxxxx | 27187578 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778440 | xxxxxx | 27189167 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower three days prior to consummation. |  | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778440 | xxxxxx | 27189169 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Late Charge | California Non Primary Residence Late Charge Grace Period Testing | California Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778440 | xxxxxx | 27212546 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide the full Fraud Report. Only clearance report was provided. |  | Reviewer Comment (2022-11-16): Fraud Report provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778440 | xxxxxx | 27212569 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month mortgage history for the property on xxxxxx. Also, provide evidence of the P&I. |  | Reviewer Comment (2022-11-11): Note and cancelled checks/bank statements provided for payment history. | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778887 | xxxxxx | 27188224 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate reflects city as xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2022-11-14): Updated flood cert provided | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778887 | xxxxxx | 27188225 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778887 | xxxxxx | 27188286 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Initial 1003 is dated xxxxxx and per the NMLS, the originator was not in approved status from xxxxxx through xxxxxx . |  | Reviewer Comment (2022-12-05): Cleared based upon lender's attestation that MLO did not perform origination activities during license lapse time.<br>Reviewer Comment (2022-12-01): The LOE from the LO does not clear this condition. This is an incurable condition. No matter the reasoning, the license must be active from time of application through closing with no gaps.<br>Reviewer Comment (2022-11-28): A PC-CD does not clear this condition.<br>Reviewer Comment (2022-11-18): An exception cannot be granted for this condition as their are no cure provisions. Verus an elect to take as an EV3.<br>Reviewer Comment (2022-11-18): The rebuttal is not acceptable. The originator must be active from start to close of the loan. Being only 3 days inactive has no bearing on this. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778887 | xxxxxx | 27188288 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $185.00 exceeds tolerance of $175.00. Insufficient or no cure was provided to the borrower. (75103) | Zero percent fee tolerance exceeded. Changed circumstance form provided does not list the reason for the increase in the appraisal re-inspection fee. |  | Reviewer Comment (2022-11-29): SitusAMC recieved Letter of Explanation Copy of Refund Check, and Corrected CD |  | 11/29/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779592 | xxxxxx | 27188833 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779592 | xxxxxx | 27188841 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-11-15): FTP provided | 11/15/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779592 | xxxxxx | 27188844 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-11-15): FTP provided | 11/15/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779592 | xxxxxx | 27188846 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779260 | xxxxxx | 27183427 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | N/A | No | Property Focused |
| xxxxxx | 779260 | xxxxxx | 27214849 | xxxxxx | xxxxxx | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: | The pending litigation claim is not applicable to the subject unit or borrower. One owner (not our borrower) of a Unit is suing the HOA as they allegedly did not repair their roof timely. Their roof has since been replaced and does not affect our borrower/subject property. | The pending litigation claim is not applicable to the subject unit or borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-16): Client elects to waive<br>Reviewer Comment (2022-11-11): The HOA litigation condition is a property condition and cannot be downgraded with verified compensation factors. This was escalated for review. Once we hear back, we will update the loan file. |  |  | 11/16/2022 | 3 C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | N/A | No | Property Focused |
| xxxxxx | 779260 | xxxxxx | 27214873 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the condo documentation and litigation documentation. |  | Reviewer Comment (2022-11-14): Condo docs provided | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | N/A | No | Property Focused |
| xxxxxx | 779129 | xxxxxx | 27189746 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779129 | xxxxxx | 27189867 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Guidelines for the bank statement program require 12 months of consecutive bank statements, the most recent statement dated within 90 days of the Note date. The most recent bank statement provided is dated xxxxxx , which is 93 days prior to the Note date of xxxxxx . Please provide updated, consecutive statements. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-28): Client elects to waive with verified compensation factors |  |  | 11/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27190264 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The file contains six gift letters; however, all six gift letters are missing the transfer date of the gift funds. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-30): The lender cannot alter documents that need to be completed by the borrower. The attestation is not sufficient. The investor will need to elect to waive with valid comp factors.<br>Reviewer Comment (2022-11-30): Transfer date was written in on the same gift letters that were provided in file that were missing the information. There is no indication of who filled this in. Investor to advise if they are accepting.<br>Reviewer Comment (2022-11-28): It is irrelevant if the borrower had sufficient funds of their own at time of closing. They received the gift funds, therefore all guideline requirements must be met.<br>Reviewer Comment (2022-11-21): Reviewed LOE from Seller; however, it does not clear this condition. Guidelines require the gift letter to specify the date the funds were transferred, which was not provided on the 4 gift letters used in the transaction. |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27190969 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The file contains a gift letter dated xxxxxx from the borrower's sister in the amount of $7,000 indicating a gift will be received from account #2742; however, the file does not contain the source or transfer of the gift funds. This is not the receipt of EMD. This was from another gift letter in file for $7,000. |  | Reviewer Comment (2022-11-21): Per LOE, funds were not used at closing. | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27191136 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete |  | The guidelines require alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.) when the VOR is completed by a private party. The VOR provided is completed by a private party and the file is missing the required alternative documentation. |  | Reviewer Comment (2022-11-21): Received | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27191406 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27191407 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.78960% or Final Disclosure APR of 9.88100% is in excess of allowable threshold of APOR 6.79% + 1.5%, or 8.29000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-11-28): Delivery received<br>Reviewer Comment (2022-11-21): The appraisal delivery notices provided are dated xxxxxx , which is for delivery of the preliminary appraisal dated xxxxxx . Please provide evidence of delivery of the final appraisal report dated xxxxxx to clear this condition. | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27191409 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different city than what is on the note. |  | Reviewer Comment (2022-12-01): Client elects to waive<br>Reviewer Comment (2022-11-30): Any updates made to the appraisal are valid and cannot be disregarded as well as this appraisal was delivered to the borrower. The address must be updated on the most recent appraisal and evidence of delivery provided. The UCDP has no bearing on this.<br>Reviewer Comment (2022-11-21): The appraisal reports received do not clear this condition. The most recent appraisal dated xxxxxx does not reflect the same city as the city on the subject Note. |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27191411 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-28): Delivery received<br>Reviewer Comment (2022-11-21): The appraisal delivery notices provided are dated xxxxxx , which is for delivery of the preliminary appraisal dated xxxxxx . Please provide evidence of delivery of the final appraisal report dated xxxxxx to clear this condition. | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27191439 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The hazard insurance policy reflects the city as xxxxxx; however, the note reflects the city as xxxxxx. |  | Reviewer Comment (2022-11-21): Received | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27191451 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27191469 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The appraisal report reflects the city as xxxxxx (xxxxxx Area); however, the note reflects the city as xxxxxx. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-30): Any updates made to the appraisal are valid and cannot be disregarded as well as this appraisal was delivered to the borrower. The address must be updated on the most recent appraisal and evidence of delivery provided. The UCDP has no bearing on this.<br>Reviewer Comment (2022-11-21): The appraisal reports received do not clear this condition. The most recent appraisal dated xxxxxx does not reflect the same city as the city on the subject Note. |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27231207 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $275.00 exceeds tolerance of $200.00 plus 10% or $220.00. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  | Reviewer Comment (2022-12-01): SitusAMC received: Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD.<br>Reviewer Comment (2022-11-30): No new documents received. PCCD & FInal CD cannot have a same issue date. Please provide a PCCD with issue date after final CD reflecting cure amount.<br>Reviewer Comment (2022-11-29): SitusAMC received LOE, Copy of refund check, shipping label and PCCD dated xxxxxx . However, PCCD and Final CD date issued is dated xxxxxx . It cannot be the same. Please provide corrected PCCD with corrected Date issued.<br>Reviewer Comment (2022-11-21): SitusAMC received LOE, Copy of refund check and shipping label. However, UPS tracking indicates label has been created, but package has not been shipped. Also, missing corrected PCCD. Proof of mailing and PCCD is required to cure. |  | 12/01/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | 27231263 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Per the P&L program, the CPA must attest to preparing the borrower's most recent tax returns. However, the CPA letter only states they examined the already filed tax returns for the last 5 years. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors |  |  | 11/17/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778907 | xxxxxx | 27189527 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2022-11-16): Final SS provided | 11/16/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 778907 | xxxxxx | 27189696 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 778907 | xxxxxx | 27189814 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 2.00. | Final HUD-1 is missing |  | Reviewer Comment (2022-11-16): Final SS provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 778907 | xxxxxx | 27228543 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the borrower's primary residence. If from a private or non-institutional xxxxxx, cancelled checks will be required. |  | Reviewer Comment (2022-11-16): VOR provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 778907 | xxxxxx | 27228648 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx | The 1004D in file is dated prior to the disaster end date xxxxxx | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-16): Client elects to waive with verified compensation factors |  |  | 11/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 779181 | xxxxxx | 27189541 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27190173 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-16): Gap provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27191196 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.02580% or Final Disclosure APR of 8.02500% is in excess of allowable threshold of APOR 6.38% + 1.5%, or 7.88000%. Non-Compliant Higher Priced Mortgage Loan. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  | Reviewer Comment (2022-11-16): Right to receive appraisal disclosure provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27191197 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  | Reviewer Comment (2022-11-16): Provided document dated within tolerance | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27191198 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a xxxxxx |  |  | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27191199 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.51326% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .51326%). |  |  | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27191200 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27191201 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Evidence of earlier receipt was not provided. |  | Reviewer Comment (2022-11-16): SitusAMC received proof of receipt of E-sign consent.<br>Reviewer Comment (2022-11-16): SitusAMC received updated LE dated xxxxxx . However, the consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27191245 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27230706 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.80126% exceeds Guideline total debt ratio of 50.00000%. | Per the 1003 and supplement, the borrower was supposed to payoff the debt with xxxxxx, however this was not reflected on the Final CD. |  | Reviewer Comment (2022-11-18): 6 months evidence the business pays for xxxxxx credit debt provided. DTI is within guidelines<br>Reviewer Comment (2022-11-17): Per guidelines, in order to exclude debt from the rations that is being paid by the business, the most recent six (6) months of cancelled checks drawn against the business account must be provided (or bank statements showing payment is being made). If the debt is less than six (6) months old, the payment must be included in the DTI ratio.<br>Reviewer Comment (2022-11-16): It is unclear what the seller's comments mean. The most recent credit suppl+O2152ement dated xxxxxx reflects the xxxxxx debt of $599/Mon with $8,695 balance. This is > 10 payments. The xxxxxx debt was excluded at time of review as it is 10 payments or less on an installment debt. The Final CD does not reflect the xxxxxx debt as being paid through closing. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27230738 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Per the 1003 and supplement, the borrower was supposed to payoff the debt with xxxxxx, however this was not reflected on the Final CD. |  | Reviewer Comment (2022-11-18): 6 months evidence the business pays for xxxxxx credit debt provided. DTI is within guidelines<br>Reviewer Comment (2022-11-17): Per guidelines, in order to exclude debt from the rations that is being paid by the business, the most recent six (6) months of cancelled checks drawn against the business account must be provided (or bank statements showing payment is being made). If the debt is less than six (6) months old, the payment must be included in the DTI ratio.<br>Reviewer Comment (2022-11-16): It is unclear what the seller's comments mean. The most recent credit supplement dated xxxxxx reflects the xxxxxx debt of $599/Mon with $8,695 balance. This is > 10 payments. The xxxxxx debt was excluded at time of review as it is 10 payments or less on an installment debt. The Final CD does not reflect the xxxxxx debt as being paid through closing. | 11/18/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27230739 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per the 1003 and supplement, the borrower was supposed to payoff the debt with xxxxxx, however this was not reflected on the Final CD. |  | Reviewer Comment (2022-11-18): 6 months evidence the business pays for xxxxxx credit debt provided. DTI is within guidelines<br>Reviewer Comment (2022-11-17): Per guidelines, in order to exclude debt from the rations that is being paid by the business, the most recent six (6) months of cancelled checks drawn against the business account must be provided (or bank statements showing payment is being made). If the debt is less than six (6) months old, the payment must be included in the DTI ratio.<br>Reviewer Comment (2022-11-16): It is unclear what the seller's comments mean. The most recent credit supplement dated xxxxxx reflects the xxxxxx debt of $599/Mon with $8,695 balance. This is > 10 payments. The xxxxxx debt was excluded at time of review as it is 10 payments or less on an installment debt. The Final CD does not reflect the xxxxxx debt as being paid through closing. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27230740 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 52.80126% and based on 1026.43(c)(5) of 52.80% moderately exceed the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per the 1003 and supplement, the borrower was supposed to payoff the debt with xxxxxx, however this was not reflected on the Final CD. |  | Reviewer Comment (2022-11-18): 6 months evidence the business pays for xxxxxx credit debt provided. DTI is within guidelines<br>Reviewer Comment (2022-11-17): Per guidelines, in order to exclude debt from the rations that is being paid by the business, the most recent six (6) months of cancelled checks drawn against the business account must be provided (or bank statements showing payment is being made). If the debt is less than six (6) months old, the payment must be included in the DTI ratio.<br>Reviewer Comment (2022-11-16): It is unclear what the seller's comments mean. The most recent credit supplement dated xxxxxx reflects the xxxxxx debt of $599/Mon with $8,695 balance. This is > 10 payments. The xxxxxx debt was excluded at time of review as it is 10 payments or less on an installment debt. The Final CD does not reflect the xxxxxx debt as being paid through closing. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27230796 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,985.00 exceeds tolerance of $935.00 plus 10% or $1,028.50. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided. There are multiple COC's in file, however all are for dated LE's not in file. |  | Reviewer Comment (2022-11-22): SitusAMC Received Corrected PCCD with LOE showing fees moved fron Sec B to Sec C.<br>Reviewer Comment (2022-11-18): SitusAMC received rebuttal stating 'Title-Settlement Fee' disclosed in section B is an 'Attorney Fee' to be considered for 0% tolerance, however, since the fee has a 'Title-prefix' it will be considered for 10% Tolerance. Also, fee was not disclosed on LE & got added in section B of xxxxxx CD. COC dated xxxxxx does not provide sufficient information on why the 'Title-Settlment fee' was added on xxxxxx CD. In order to determine if the changed circumstance is valid more information is necessary on reason fee was added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2022-11-16): SitusAMC received LE to CD worksheet. However, the Title - Settlement fee was disclosed in Section B which are tested at 10% tolerance. Provider listed on SSPL is "xxxxxx, ESQ Title and Fee on CD was paid to xxxxxx & xxxxxx Title. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE or borrower required to cure. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27230797 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $11,715.00 exceeds tolerance of $7,680.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided. There are multiple COC's in file, however all are for dated LE's not in file. |  | Reviewer Comment (2022-11-18): SitusAMC received additonal information for COC dated xxxxxx <br>Reviewer Comment (2022-11-16): SitusAMC received updated LE dated xxxxxx & xxxxxx . However, Loan discount point further increased on LE dated xxxxxx xxxxxx & CD dated xxxxxx xxxxxx. Moreover, provided COC dated xxxxxx & xxxxxx indicates "Rate has been locked", but rate was already locked on xxxxxx , for which we do not have valid COC. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779181 | xxxxxx | 27230798 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,094.00 exceeds tolerance of $2,770.00. Insufficient or no cure was provided to the borrower. (8304) | Cure nor valid COC provided. There are multiple COC's in file, however all are for dated LE's not in file. |  | Reviewer Comment (2022-11-18): SitusAMC received additonal information for COC dated xxxxxx <br>Reviewer Comment (2022-11-16): SitusAMC received Lender rebuttal comment for Transfer taxes increased due to Loan amount changed. However, provided COC dated xxxxxx indicates "Rate has been locked" and does not mentioned about the Loan amount increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780693 | xxxxxx | 27192618 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780693 | xxxxxx | 27229431 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-11-16): COGS provided<br>Reviewer Comment (2022-11-15): No new documents were received. Please try uploading again. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780693 | xxxxxx | 27229491 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 1.03 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.50. | Investor exception in file, however comp factor is incorrect. LTV is not 5% or more above the max. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775286 | xxxxxx | 27197759 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower is a Foreign National doing a C/O transaction on an xxxxxx-unit multi-family property. Per theFrgn matrix, an xxxxxx-unit multi-family property is not allowed. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775286 | xxxxxx | 27211909 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775286 | xxxxxx | 27226606 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Minimum square footage for each unit is 400 for xxxxxx unit properties. Unit xxxxxx is xxxxxx square feet. Lender exception in file. Must be approved by the investor. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775286 | xxxxxx | 27226894 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOM for the subject property is from a private lender. Provide the cancelled checks. |  | Reviewer Comment (2022-11-21): Received | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775286 | xxxxxx | 27226896 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | All VOM's in file do not have a 24 month history. Per guidelines, foreign national borrowers without qualifying U.S. credit (Including borrowers without a valid Social Security number and borrowers with or without an Individual Tax Identification Number) must provide evidence of two (2) open tradelines reporting for two (2) years with activity in the most recent 12 months. No derogatory credit history is permitted within the 2-year history under review. ANY combination of the following is acceptable to arrive at the tradeline requirement:<br> • Tradelines evidenced via a U.S. credit report; AND/OR<br> • Tradelines evidenced via international credit report if a U.S. credit report cannot be produced, or does not provide a sufficient number of tradelines; AND/OR<br> Alternative Tradelines consisting of two of the following:<br> • Credit Reference letter(s) from a verified financial institution in the borrower's country of origin<br> o A reference letter must be from an internationally known financial institution.<br> o Each letter of reference must state the type and length of the relationship, how the account is held, payment amount, outstanding balance and status of account including a minimum 12-month payment history.<br> o A single reference source may provide verification of multiple accounts. Individual account detail must be provided.<br> o The letter must mention the borrower by name.<br> o Name, title & contact information of the person signing the letter must be included. Currency must be converted to U.S. Dollars and signed and dated by certified translator.<br> o All documents must be translated into English.<br> • Credit Card Statements – minimum of twelve (12) recent credit card statements reflecting a timely payment history. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2022-11-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-21): VOM provided does not clear this condition. Borrower is required to have 2 tradelines, with activity in past 12 months, reporting for 2 years. VOM only has 18 months history and does not meet the guideline requirements listed above. |  |  | 11/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775286 | xxxxxx | 27227004 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx | PDI provided is dated prior to disaster end date xxxxxx. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775286 | xxxxxx | 27227010 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: BPO / Valuation Report date: xxxxxx |  | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775286 | xxxxxx | 27227025 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. |  | Reviewer Comment (2022-11-21): Received tax bill. | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 775286 | xxxxxx | 27227053 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.03 is less than Guideline PITIA months reserves of 6.00. | Per the Multi-Family guidelines, C/O cannot be utilized to meet the reserve requirement. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779795 | xxxxxx | 27192963 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780703 | xxxxxx | 27201242 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780703 | xxxxxx | 27239211 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Per guidelines, the gift letter must reflect the date the funds were transferred. |  | Reviewer Comment (2022-11-22): An updated gift letter was provided.<br>Reviewer Comment (2022-11-17): The gift letter is applicable as the joint account holder is not on the loan nor a non-borrowing spouse. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780703 | xxxxxx | 27239389 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The section for borrower name, address, loan number, etc. is blank. |  | Reviewer Comment (2022-11-16): Updated BP cert provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780703 | xxxxxx | 27239435 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-05): DI received dated xxxxxx : No Damage<br>Reviewer Comment (2022-11-16): Exception Explanation Updated from: Most Recent Valuation Inspection Date: xxxxxx <br> Disaster End Date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration Date: xxxxxx <br>Reviewer Comment (2022-11-16): The DI provided is prior to the disaster end date. Further, the date of inspection was not completed on the report. Only the date of signature and report date was completed. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778559 | xxxxxx | 27202486 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778559 | xxxxxx | 27203033 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778559 | xxxxxx | 27239812 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the Cert of Good Standing for the Borrowing Entity. |  | Reviewer Comment (2022-11-16): COGS provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777125 | xxxxxx | 27204091 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777125 | xxxxxx | 27204122 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx | The guidelines require two (2) months of proof of the receipt of rental income. The file contains two months of bank statements that verify a deposit of $2,000 from the individual on the lease agreement; however, the lease agreement reflects rental income of $2,900 per month. There is no documentation to verify that additional $900 per month. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors |  |  | 11/29/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777125 | xxxxxx | 27204188 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file contains an Investor exception for the developer of the condominium complex being in control of the project. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | 27203917 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Third party verification of self-employment was not provided verifying 2 years of self-employment history and ownership percentage. |  | Reviewer Comment (2022-11-28): Articles or Org and CPA letter provided<br>Reviewer Comment (2022-11-23): The document provided is dated 14 months prior to the Note date. | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | 27204005 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | 27204128 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-29): Gap report provided<br>Reviewer Comment (2022-11-28): The document provided is not a gap report but only a supplement for the mortgage lien. A gap credit report is required and needs to be dated within 10 days prior to the Note date or anytime after. | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | 27204406 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Third party verification of self-employment was not provided verifying 2 years of self-employment history and ownership percentage. |  | Reviewer Comment (2022-11-28): Articles or Org and CPA letter provided | 11/28/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | 27204407 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx/Bank Statements) | Third party verification of self-employment was not provided verifying 2 years of self-employment history and ownership percentage. |  | Reviewer Comment (2022-11-28): Articles or Org and CPA letter provided | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | 27204408 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Third party verification of self-employment was not provided verifying 2 years of self-employment history and ownership percentage. |  | Reviewer Comment (2022-11-28): Articles or Org and CPA letter provided | 11/28/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | 27204409 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | 27244950 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The COC provided only reflects a desk review fee was added without stating a valid reason for the addition. Provide a valid changed circumstance or a refund is due. |  | Reviewer Comment (2022-12-01): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2022-11-30): SitusAMC received PCCD, LOE, Copy of check & poof of mailing. UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 12/01/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779560 | xxxxxx | 27205236 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779560 | xxxxxx | 27205237 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779560 | xxxxxx | 27205288 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779560 | xxxxxx | 27242270 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the Certificate of Good Standing for the Borrowing Entity. |  | Reviewer Comment (2022-11-16): COGS provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779560 | xxxxxx | 27242284 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide receipt of current year franchise tax payment or clear search for the Borrowing Entity. |  | Reviewer Comment (2022-11-16): COGS provided which reflects Current Status with the State. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778147 | xxxxxx | 27205492 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-18): Gap report provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778147 | xxxxxx | 27205854 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778147 | xxxxxx | 27205865 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-18): Clearance report provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778147 | xxxxxx | 27206009 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.15456% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.15456%). |  |  | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778147 | xxxxxx | 27206010 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was provided; however, it is not dated to determine if it was obtained within 10 days of application date. |  | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778147 | xxxxxx | 27206011 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | No evidence in file of endorsements. |  | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779243 | xxxxxx | 27205417 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779243 | xxxxxx | 27206570 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-16): Clearance report provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779243 | xxxxxx | 27206575 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-16): Gap provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779243 | xxxxxx | 27245086 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the Final 1003, a xxxxxx credit debt was added to to the ratios for $450/month, however documentation to support this monthly payment was not provided nor is reflected on the credit report. Only the documentation for the new xxxxxx debt was provided. |  | Reviewer Comment (2022-11-16): Lender attestation and updated 1003 provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779243 | xxxxxx | 27245233 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | The CPA letter in file is not dated |  | Reviewer Comment (2022-11-16): Dated CPA letter provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780133 | xxxxxx | 27212447 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780133 | xxxxxx | 27251675 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOM for the subject property is from a private lender. If the lender is not an institution but a private party, 6 months cancelled checks or bank statements are required to support payment history. xxxxxx or other cash exchange apps are allowed if it evidences clear lender on statements |  | Reviewer Comment (2022-11-23): 6 canceled checks were provided. | 11/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779598 | xxxxxx | 27212250 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The file contains a gift letter for $40,000 from the borrower's brother-in-law; however, the deposit receipt and wire confirmation from the brother-in-law verifies the gift amount received was $61,088.13. An updated gift letter is required. |  | Reviewer Comment (2022-11-18): Gift letter received | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779598 | xxxxxx | 27212514 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.83918% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.83918%). |  |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779598 | xxxxxx | 27212533 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | 27224591 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Per the guidelines for the bank statement program, the business being used to source income must be in existence for a minimum of two years. Per the CPA letter and state business entity listing in the loan file, the business used to source income was established xxxxxx , which is less than two years prior to the Note date of xxxxxx . Further, per the CPA letter provided, borrower had a gap of self-employment from xxxxxx through xxxxxx , which was not explained. Borrower does not meet minimum guideline requirements for the bank statement program. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-11): The business bank statement program requires the business being utilized to qualify be in existence for 2 years. If one restaurant closed and the borrower opened another, that would be less than 2 years the business was in existence. See section 5.3.6.1 of the guidelines: The business being used to source income must be in existence for a minimum of two (2) years. |  |  | 11/15/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | 27225210 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.10 is less than Guideline PITIA months reserves of 12.00. | Per guidelines, LTV greater than 85% requires 12 months reserves, which were not documented in the loan file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-15): Client elects to waive with verified compensation factors |  |  | 11/15/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | 27225257 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | 27225452 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | 27225453 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.19850% or Final Disclosure APR of 9.28400% is in excess of allowable threshold of APOR 5.95% + 1.5%, or 7.45000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-11-16): Delivery provided<br>Reviewer Comment (2022-11-14): Origination appraisal and origination appraisal delivery provided. Pending receipt of delivery of the updated appraisal dated xxxxxx All updated appraisal must also be delivered to the borrower per regulations. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | 27225454 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Appraisal in file is dated xxxxxx , which is after Note date of xxxxxx . Please provide appraisal dated prior to consummation of subject loan. |  | Reviewer Comment (2022-11-14): Pre-close appraisal provided | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | 27225456 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | Loan file is missing the Seller Closing Disclosure. |  | Reviewer Comment (2022-11-16): SitusAMC received final settlement statement | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | 27225942 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-11-16): Delivery provided<br>Reviewer Comment (2022-11-14): Origination appraisal and origination appraisal delivery provided. Pending receipt of delivery of the updated appraisal dated xxxxxx All updated appraisal must also be delivered to the borrower per regulations.<br>Reviewer Comment (2022-11-11): The appraisal we have in file has a completion date of xxxxxx . The delivery provided reflects delivered on xxxxxx . The appraisal cannot be delivered prior to completion. If there is an appraisal completed xxxxxx or prior, please provide that appraisal along with evidence the appraisal with a completion date of xxxxxx was delivered to the borrower. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | 27264284 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27213482 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27214546 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-11-17): As- Is appraisal provided - Was subject to review of HOA questionnaire | 11/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27214584 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-17): Gap report provided | 11/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27215034 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.48963% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .48963%). |  |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27215035 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27215037 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 5,500.00 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The HOA due on the appraisal reflect $1,360.00 per months while on the final CD, the non-escrowed property cost over year one is $5,500.00 which does not match the amount on the appraisal. |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27215038 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-11-10): Sufficient Cure Provided At Closing |  | 11/10/2022 |  | 1 A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27252178 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | YTD earnings must be documented to support the ongoing receipt of income showing on the 1099s by:<br> o Checks or a single check stub(s) with YTD totals if available, or<br> o Bank statements (YTD).<br> ▪ The YTD earnings from the total of check stubs or the tally of deposits from bank statements must be within 10% or greater than prior year earnings. |  | Reviewer Comment (2022-11-18): Bank statements and WVOE provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27252475 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27252505 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The Appraisal and CDA do not reflect Route in the address vs. all other documents which reflect Route in the address. |  | Reviewer Comment (2022-12-08): Updated CDA provided<br>Reviewer Comment (2022-11-28): Updated appraisal provided, however the CDA provided now is missing Vermont from the address.<br>Reviewer Comment (2022-11-28): Exception Detail Updated from: Valuation Type: Appraisal / Valuation Report Date: xxxxxx , Valuation Type: Desk Review / Valuation Report Date: xxxxxx <br>Reviewer Comment (2022-11-18): Exception Detail Updated from: Valuation Type: Appraisal / Valuation Report Date: xxxxxx , Valuation Type: Desk Review / Valuation Report Date: xxxxxx  | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | 27290128 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778210 | xxxxxx | 27213384 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778210 | xxxxxx | 27252651 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter does not reflect the date the funds were transferred which is a guideline requirement\ nor reflects the correct amount of $120,000 |  | Reviewer Comment (2022-11-22): Reviewed documents in file. $120,000 deposit did come from borrower's business. There was an additional $75,000 deposit on the same day xxxxxx) to borrower's personal account, which matches gift letter documentation in the file. Condition cleared.<br>Reviewer Comment (2022-11-22): Reviewed documents in file. $120,000 deposit did come from borrower's business. There was an additional $75,000 deposit on the same day to borrower's personal account, which matches gift letter documentation in the file. Condition cleared.<br>Reviewer Comment (2022-11-17): The gift letter reflects the date the funds were transferred however does not reflect the correct amount. The total gift was $120,000 vs. $75,000. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778210 | xxxxxx | 27252687 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | All other owners of the business not party to the loan must provide a signed and dated letter acknowledging the borrower's access to the business account for loan qualification. |  | Reviewer Comment (2022-11-29): Access letter provided<br>Reviewer Comment (2022-11-28): LOE was not found. Please try uploading again. | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778210 | xxxxxx | 27255994 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-16): Gap report provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779111 | xxxxxx | 27226757 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.45455% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .45455%). |  |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779111 | xxxxxx | 27226784 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.86957% exceeds Guideline loan to value percentage of 70.00000%. | The guidelines require a 5% LTV reduction due to the property zip code is on the CBSA list. The guidelines allow a maximum LTV of 75% for a xxxxxx unit refinance transaction; therefore, with the 5% reduction, the maximum LTV is 70%. The loan closed with an LTV of 70.87%. |  | Reviewer Comment (2022-11-18): Client requested re-review to 9.2022 matrix. Condition no longer applies.<br>Reviewer Comment (2022-11-18): If a re-review is required to different guidelines, an email sent to the DD firm will need to be sent. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779111 | xxxxxx | 27226830 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779111 | xxxxxx | 27226833 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The bank statements reflect deposit transfers from xxxxxx; however, there is no documentation to verify the transfers came from business income. The transfers are required for the loan to qualify as the DTI would be over 50% without these deposits. |  | Reviewer Comment (2022-11-22): An LOE was provided reflecting these deposits are business related.<br>Reviewer Comment (2022-11-21): Please see the bank statements provided, reflecting the transfers from xxxxxxs, which are the transfers in question. We need evidence these are for business work performed by borrower's business.<br>Reviewer Comment (2022-11-18): The LOE provided is not sufficient as there is no evidence this is for business work performed. Further, the guidelines require source documents for large deposits. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779111 | xxxxxx | 27256252 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $815.00 exceeds tolerance of $407.50. Insufficient or no cure was provided to the borrower. (7200) | A valid COC was not provided for the increase. |  | Reviewer Comment (2022-11-22): SitusAMC received VCC dated xxxxxx .<br>Reviewer Comment (2022-11-18): SitusAMC received COC dated xxxxxx whereas the fee increased on CD dated xxxxxx for xxxxxx.Kindly provide a valid COC for the fee increased or provide cure documents. Cure documents consist of Post CD,LOX, Copy of refund check and proof of mailing. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | 27226679 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.54688% exceeds Guideline total debt ratio of 43.00000%. | The max DTI for a Rent Free borrower is 43%. Per the LOE in file, the borrower is living rent free with the non-borrowing spouse. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): The second lien document was provided verifying borrower is not obligated to the second lien, however the DTI still stands. Borrower has ownership in the current primary which means he is not a FTHB but since is not obligated to any liens on the property and is not paying, he is living rent free. Max 43%.<br>Reviewer Comment (2022-11-21): The guidelines state a borrower who owns their primary residence F&C are not considered living rent free or borrowers who sold a primary residence within the past 6 months are not considered to be living rent free. Neither of these scenarios apply to this borrower. Further, the property history report provided reflects two mortgage liens on the property listed as borrower's primary residence. The Note for the first lien is in file, reflecting only the non-borrowing spouse. Please provide evidence the second lien dated xxxxxx is solely the responsibility of the non-borrowing spouse. DTI subject to recalculation. |  |  | 12/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | 27226727 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The max DTI for a Rent Free borrower is 43%. Per the LOE in file, the borrower is living rent free with the non-borrowing spouse. |  | Reviewer Comment (2022-12-18): Client elects to waive with verified compensation factors. Condition no longer applies.<br>Reviewer Comment (2022-12-09): The second lien document was provided verifying borrower is not obligated to the second lien, however the DTI still stands. Borrower has ownership in the current primary which means he is not a FTHB but since is not obligated to any liens on the property and is not paying, he is living rent free. Max 43%.<br>Reviewer Comment (2022-11-21): The guidelines state a borrower who owns their primary residence F&C are not considered living rent free or borrowers who sold a primary residence within the past 6 months are not considered to be living rent free. Neither of these scenarios apply to this borrower. Further, the property history report provided reflects two mortgage liens on the property listed as borrower's primary residence. The Note for the first lien is in file, reflecting only the non-borrowing spouse. Please provide evidence the second lien dated xxxxxx is solely the responsibility of the non-borrowing spouse. DTI subject to recalculation. | 12/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | 27226728 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 46.54688% and based on 1026.43(c)(5) of 46.55% moderately exceed the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The max DTI for a Rent Free borrower is 43%. Per the LOE in file, the borrower is living rent free with the non-borrowing spouse. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): The second lien document was provided verifying borrower is not obligated to the second lien, however the DTI still stands. Borrower has ownership in the current primary which means he is not a FTHB but since is not obligated to any liens on the property and is not paying, he is living rent free. Max 43%.<br>Reviewer Comment (2022-11-21): The guidelines state a borrower who owns their primary residence F&C are not considered living rent free or borrowers who sold a primary residence within the past 6 months are not considered to be living rent free. Neither of these scenarios apply to this borrower. Further, the property history report provided reflects two mortgage liens on the property listed as borrower's primary residence. The Note for the first lien is in file, reflecting only the non-borrowing spouse. Please provide evidence the second lien dated xxxxxx is solely the responsibility of the non-borrowing spouse. DTI subject to recalculation. |  |  | 12/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | 27227063 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | 27227065 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The max DTI for a Rent Free borrower is 43%. Per the LOE in file, the borrower is living rent free with the non-borrowing spouse. |  | Reviewer Comment (2022-12-18): Client elects to waive with verified compensation factors. Condition no longer applies.<br>Reviewer Comment (2022-12-09): The second lien document was provided verifying borrower is not obligated to the second lien, however the DTI still stands. Borrower has ownership in the current primary which means he is not a FTHB but since is not obligated to any liens on the property and is not paying, he is living rent free. Max 43%.<br>Reviewer Comment (2022-11-21): The guidelines state a borrower who owns their primary residence F&C are not considered living rent free or borrowers who sold a primary residence within the past 6 months are not considered to be living rent free. Neither of these scenarios apply to this borrower. Further, the property history report provided reflects two mortgage liens on the property listed as borrower's primary residence. The Note for the first lien is in file, reflecting only the non-borrowing spouse. Please provide evidence the second lien dated xxxxxx is solely the responsibility of the non-borrowing spouse. DTI subject to recalculation. | 12/18/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | 27227373 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | 27264948 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the Note for the borrower's current primary residence on xxxxxx reflecting not obligated to the mortgage lien. The LOE in file states borrower is living rent free with the non-borrowing spouse, however the Fraud Report reflects a mortgage lien and borrower as a vested owner. |  | Reviewer Comment (2022-12-09): Second lien mortgage provided verifying not obligated to lien.<br>Reviewer Comment (2022-11-21): The guidelines state a borrower who owns their primary residence F&C are not considered living rent free or borrowers who sold a primary residence within the past 6 months are not considered to be living rent free. Neither of these scenarios apply to this borrower. Further, the property history report provided reflects two mortgage liens on the property listed as borrower's primary residence. The Note for the first lien is in file, reflecting only the non-borrowing spouse. Please provide evidence the second lien dated xxxxxx is solely the responsibility of the non-borrowing spouse. DTI subject to recalculation. | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | 27264982 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-18): UDM provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | 27265220 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,300.00 exceeds tolerance of $1,000.00. Insufficient or no cure was provided to the borrower. (7506) | The COC in file only reflects appraisal fee increase required but does not reflect a valid reason as to why. |  | Reviewer Comment (2022-12-19): SitusAMC received: Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD. |  | 12/19/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779764 | xxxxxx | 27237592 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779764 | xxxxxx | 27238448 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Late Charge | California Non Primary Residence Late Charge Grace Period Testing | California Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779764 | xxxxxx | 27238457 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 58.15051% exceeds Guideline total debt ratio of 50.00000%. | The file contains 3 months of payments that the business is paying the mortgage obligation on the borrower's primary residence. However, in order to exclude debt paid by the business, the most recent six (6) months of cancelled checks drawn against the business account. If the debt is less than six (6) months old, the payment must be included in the DTI ratio. |  | Reviewer Comment (2022-12-19): The DTI is now 43.21768% using 75% of the 1007 rental income for the subject.<br>Reviewer Comment (2022-12-15): The income utilized to qualify at time of review was $16,448.66. With this income and mortgage debt added to the ratios, the DTI is 58.15051%.<br>Reviewer Comment (2022-12-15): Only 5 months were provided when 6 months are required to exclude debt. | 12/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27238057 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, investor concentration allowed up to 60% in a condominium project. Per the HOA questionnaire provided, the investor concentration of the subject property is 72%, which exceeds the guideline maximum of 60%. Loan file contains an investor exception request. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-15): Client elects to waive with verified compensation factors |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27238402 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per final 1003, borrower has rented current residence for 2 months, with a payment of $525 and rented prior residence for 2 years, 6 months with a payment of $790 per month. Loan file is missing VOR for both current and former residence, to verify a 0x30x12 housing history as required under the xxxxxx. |  | Reviewer Comment (2022-11-22): Received LOE from borrower, along with evidence of most recent 2 months' payments for current residence.<br>Reviewer Comment (2022-11-21): Received updated 1003; however, it still reflects borrower has rented current residence for 2 months with a payment of $525 per month. Please provide VOR for this residence and if non-institutional lender, canceled checks or bank statements will also be required. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239198 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-11-18): Fraud report provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239228 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239373 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Provide evidence the origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to closing. Evidence is only in file that the updated appraisal dated xxxxxx was delivered tot the borrower. |  | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239375 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to closing. Evidence is only in file that the updated appraisal dated xxxxxx was delivered tot the borrower. |  | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239376 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.64226% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.64226%). |  |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239377 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Per final CD, finance charge underdisclosed by $254.20. |  | Reviewer Comment (2022-11-23): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2022-11-21): SitusAMC received Detailed LOE to borrower, copy of cure refund and proof of mailing. However, the UPS tracking states only label has been created and package not yet picked up by carrier. Provide proof when package has been picked up to finalize. |  | 11/23/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239379 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $651.50 exceeds tolerance of $400.00 plus 10% or $440.00. Insufficient or no cure was provided to the borrower. xxxxxx | Ten percent fee tolerance exceeded for recording fees. |  | Reviewer Comment (2022-11-21): SitusAMC received clarification, cure provided at closing. | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239380 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $191.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-11-23): SitusAMC Received PCCD, LOE, Copy of check and delivery report for the cure provided.<br>Reviewer Comment (2022-11-21): SitusAMC received Changed Circumstance dated xxxxxx . The Extension Fee increased on CD issued xxxxxx , which is 6 days from the change date. In order to re-baseline fees, a revised CD needed to be issued within 3 business days of the change occurring. Please provide any Missing CD or a valid COC or cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/23/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239381 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $805.00 exceeds tolerance of $800.00. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-11-21): SitusAMC received clarification, cure provided at closing. | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239382 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | Zero Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-11-21): SitusAMC received clarification, cure provided at closing. | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27239402 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines for condominiums, a single entity can own up to 20% of the project. Per the HOA questionnaire provided, a single entity owns xxxxxx of the xxxxxx units, or 56.36%, which exceeds the guideline maximum of 20%. Loan file contains an investor exception request. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-18): Client elects to waive with verified compensation factors |  |  | 11/18/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27253959 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Provide evidence the origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to closing. Evidence is only in file that the updated appraisal dated xxxxxx was delivered tot the borrower. |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27253960 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.58070% or Final Disclosure APR of 9.56500% is in excess of allowable threshold of APOR 6.38% + 1.5%, or 7.88000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to closing. Evidence is only in file that the updated appraisal dated xxxxxx was delivered tot the borrower. |  | Reviewer Comment (2022-11-18): Delivery provided<br>Reviewer Comment (2022-11-18): Evidence of updated appraisal received, however need evidence origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to closing. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | 27253961 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to closing. Evidence is only in file that the updated appraisal dated xxxxxx was delivered tot the borrower. |  | Reviewer Comment (2022-11-18): Delivery provided<br>Reviewer Comment (2022-11-18): Evidence of updated appraisal received, however need evidence origination appraisal dated xxxxxx was delivered to the borrower within 3 business days prior to closing. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | 27227237 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | 27227262 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal is not in name of Lender and file does not contain an appraisal transfer letter. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | 27227495 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Due to missing appraisal transfer letter. |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | 27227496 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.74396% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .74396%). |  |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | 27227497 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The initial escrow statement provided does not match the actual charges on the Final CD. |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | 27227499 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Initial CD not signed by borrower, and no evidence of delivery in file. Applying 3 day mailbox rule, it was not received by borrower at least 3 business days prior to closing. |  | Reviewer Comment (2022-11-22): SitusAMC received disclosure tracking for the xxxxxx CD. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | 27254140 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the Trust Agreement. Refinance transaction and loan originally vested in a Trust. |  | Reviewer Comment (2022-12-16): Trust Agreement and Cert of Trust provided | 12/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | 27460758 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | New Note was received adding an I/O along with mailing label. Provide the LOE to borrower to clear. |  | Reviewer Comment (2022-12-09): LOE provided | 12/09/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780519 | xxxxxx | 27238320 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 85.00000% exceeds Guideline loan to value percentage of 80.00000%. | The guidelines require a 5% reduction on the LTV when the property zip code is on the CBSA list. The maximum LTV for a qualifying credit score of 690 is 85%; therefore, with the 5% reduction, the allowed LTV is 80%. The loan closed with an LTV of 85%. |  | Reviewer Comment (2022-11-29): Client requested re-review to 9.2022 matrix. Condition no longer applies.<br>Reviewer Comment (2022-11-29): Loan will be re-reviewed as soon as possible and the updates to the conditions provided.<br>Reviewer Comment (2022-11-28): If a re-review is required, a request must be emailed to the DD firm from the investor. | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780519 | xxxxxx | 27238334 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different lender than what is on the note. |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780519 | xxxxxx | 27238350 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): The PDI provided was in file at time of review is is prior to the disaster end date. Client can elect to waive. |  |  | 11/28/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780519 | xxxxxx | 27238361 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27249459 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27250153 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | All 7 of the gift letters in file are not dated. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2023-01-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-29): Lender would like to waive<br>Reviewer Comment (2022-12-01): The date of closing is when the funds were transferred which is also a guideline requirement. The gift letters are not dated.<br>Reviewer Comment (2022-12-01): Gift letters do need to be dated and must be dated prior to closing. |  |  | 01/06/2023 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27250613 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.78710% or Final Disclosure APR of 9.86100% is in excess of allowable threshold of APOR 7.03% + 1.5%, or 8.53000%. Non-Compliant Higher Priced Mortgage Loan. | The right to receive copy of appraisal was not provided to the borrower within three business days of the application. |  | Reviewer Comment (2023-01-06): On initial LE received<br>Reviewer Comment (2023-01-06): On xxxxxx LE<br>Reviewer Comment (2022-12-29): This condition pertains to the Right to Receive Appraisal Disclosure receipt vs. appraisal delivery. Please see comments on xxxxxx and xxxxxx <br>Reviewer Comment (2022-12-07): The document provided does not reflect what documents were sent. Just says Esign session expired, manually fulfilled, other inters info receive from document vendor, and initial disclosures created - e disclosure sent.<br>Reviewer Comment (2022-12-01): The condition pertains to the right to receive appraisal disclosure. The app date is xxxxxx , disclosure received xxxxxx which is > 3 days from app date. | 01/06/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27250614 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | This is due to lender on appraisal differs from note, however an appraisal transfer letter was provided in file. |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27250618 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.59196% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.59196%). |  |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27250620 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27250621 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan estimate not provided to the borrower within three business days of the application. |  | Reviewer Comment (2022-12-14): Loan file shows rate increase on the xxxxxx CD. The CD is not signed and as such mailbox rule is applied. xxxxxx CD would not be received until xxxxxx which is less than three days from closing on xxxxxx .<br>Reviewer Comment (2022-12-08): SitusAMC received audit history reflecting Initial disclosure created on 10-19-22 and manual fulfillment initiated on 10-20-22. However, the initial LE in file has issue date of xxxxxx and not xxxxxx. xxxxxx LE would not have been provided to borrower within 3 business days of application. Please provide proof of earlier disclosure to meet the 3 business day from application date of xxxxxx. | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27250623 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | A settlement service provider list was not provided to the borrower. |  | Reviewer Comment (2022-12-13): SitusAMC Received Settlement Service provider List. | 12/13/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27250624 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,212.60 exceeds tolerance of $3,594.00 plus 10% or $3,953.40. Insufficient or no cure was provided to the borrower. xxxxxx | Ten percent tolerance exceeded. |  | Reviewer Comment (2022-12-13): SitusAMC Received Initial 1003 and Settlement Service provider List. | 12/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27250625 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $10.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7727) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-12-14): SitusAMC received proof of receipt for initial LE. | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27253814 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27253815 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The right to receive copy of appraisal was not provided to the borrower within three business days of the application. |  | Reviewer Comment (2023-01-06): On initial LE received<br>Reviewer Comment (2023-01-06): On xxxxxx LE<br>Reviewer Comment (2022-12-30): SitusAMC agrees that documentation indicates Appraisal was sent to borrower electronically. The receipt of the appraisal does not address the exception. No document explaining the borrowers right to receive the appraisal was provided to the borrower within three days of application date. Please provide the Right to Received appraisal document for testing.<br>Reviewer Comment (2022-12-08): SitusAMC received audit history reflecting Initial disclosure created on xxxxxx and manual fulfillment initiated on xxxxxx. However, the initial LE in file has issue date of xxxxxx and not xxxxxx. xxxxxx LE would not have been provided to borrower within 3 business days of application. Please provide proof of earlier disclosure to meet the 3 business day from application date of xxxxxx.<br>Reviewer Comment (2022-12-02): SitusAMC received appraisal upload documentation. However, this exception relates to the initial appraisal disclosure normally found on the initial LE. Once initial LE provided to meeting application disclosure requirements and if relfects the appraisal disclosure verbiage on page 3, exception will clear xxxxxx provide initial appraisal disclosure issued within 3 business days of application. | 01/06/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27253817 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2022-12-30): SitusAMC received proof of receipt.<br>Reviewer Comment (2022-12-15): Provided documentation is insufficient. No proof of receipt for xxxxxx CD or VCC for xxxxxx rate increase was included in trailing documents.<br>Reviewer Comment (2022-12-14): Rate increase on xxxxxx was not received 3 or more days prior to closing. Please provide evidence of receipt and VCC regarding change in interest rate for testing. | 12/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27266567 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide receipt of the gift funds for $20,000, $5,000, and $25,000. |  | Reviewer Comment (2022-12-06): Wire provided<br>Reviewer Comment (2022-12-01): The wire needs to be provided for the $20K gift. The CD does not clear this. | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27266651 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Credit file must contain documentation showing evidence of the preparers business when a business expense statement letter is utilized. |  | Reviewer Comment (2022-12-01): Document provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27266657 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-06): Clearance report provided<br>Reviewer Comment (2022-12-01): The high risk alert for the income on the clearance report was not addressed. | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | 27266702 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.14 is less than Guideline PITIA months reserves of 6.00. | Per guidelines, gift funds cannot be utilized for reserves. Further, the borrower received $26,000 in gifts into their business account which was backed out ($16,000, $5,000, & $5,000) |  | Reviewer Comment (2022-12-01): Additional bank statement provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780742 | xxxxxx | 27237004 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780742 | xxxxxx | 27237038 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 6.51851% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 1.51851%). |  |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | 27239690 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per appraisal report, subject property location is rural, which is not allowed per guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-29): The exception report provided does not cover this exception nor reflect any comp factors<br>Reviewer Comment (2022-11-28): Exception report not found. Please try uploading again. |  |  | 12/13/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | 27240757 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, renters purchasing from xxxxxx must provide 24 months canceled checks. Loan file only contains evidence of the xxxxxx 22 payment. Please provide additional 23 months canceled checks, as borrowers are purchasing subject property from current xxxxxx. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-29): The exception report provided does not reflect any comp factors<br>Reviewer Comment (2022-11-28): Exception report not found. Please try uploading again. |  |  | 12/13/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | 27240813 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-11-28): Fraud Report provided | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | 27241180 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | 27241188 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-11-22): Received second full appraisal | 11/22/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | 27241225 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Initial Loan Estimate was provided to borrower on xxxxxx ; however, per e-sign consent documentation in file, borrowers did not consent to receive electronic documents until xxxxxx . |  | Reviewer Comment (2022-12-14): SitusAMC received e-signed consent agreement.<br>Reviewer Comment (2022-11-22): SitusAMC received e consent dated xxxxxx . However The consumer went through the e Consent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided e Consent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application. | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | 27241227 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $835.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-12-07): SitusAMC Received PCCD dated xxxxxx along with copy of check, LOE and Proof of mailing<br>Reviewer Comment (2022-12-02): SitusAMC received Corrected PCCD, LOX and Copy of refund check. However, we also required proof of mailing label or provided confirmation on email from borrower that they received copy of check in order to cure this exception.<br>Reviewer Comment (2022-11-22): SitusAMC received COC dated xxxxxx stating" due to updated appraised value and invoice received". However second appraisal report in the file is dated xxxxxx which indicates the fee was disclosed to borrower within 3 days from the change. Cure is due to borrower. |  | 12/07/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779255 | xxxxxx | 27265419 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | 27284144 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-11-29): Fraud Report provided<br>Reviewer Comment (2022-11-28): No new documents were provided. Please try uploading again. | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | 27284202 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Based on the final 1003 and letter of explanation in file, borrower has been residing at the current residence for the past few years, home belongs to the father in-law and requires borrower to pay rent, borrower just recently took possession of the property like a month ago through refinance. Provide twelve months housing history of the borrower's current residence. |  | Reviewer Comment (2022-12-01): Updated LOE provided to correct to previously living rent free<br>Reviewer Comment (2022-11-29): The same LOE was provided with "did not" added. Investor to advise if they are approving the LOE.<br>Reviewer Comment (2022-11-28): No new documents were provided. Please try uploading again. | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | 27284270 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | 27284300 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-11-29): Flood Cert provided<br>Reviewer Comment (2022-11-28): No new documents were provided. Please try uploading again. | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | 27284795 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Missing mortgage statement for the borrower's REO property. Must support taxes and insurance are escrowed. |  | Reviewer Comment (2022-11-29): Frist payment letter received.<br>Reviewer Comment (2022-11-28): No new documents were provided. Please try uploading again. | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | 27284819 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The CDA does not reflect the second unit in the address. |  | Reviewer Comment (2022-12-02): Updated CDA provided<br>Reviewer Comment (2022-11-28): No new documents were provided. Please try uploading again. | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | 27284976 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | 27285570 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Investor exception in file for NSF tolerance exceed. 13 over the last 12 months and 1 in the last 3 months. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | 27281654 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2022-11-28): PC provided | 11/28/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | 27281911 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Updated per matrix for P&L only max LTV is 80%, the subject property zip code appears on the list of State/ CBSA restriction which requires a 5% deduction of the LTV. |  | Reviewer Comment (2022-11-29): Client requested re-review to 9.2022 guidelines. Condition no longer applies.<br>Reviewer Comment (2022-11-29): Email was received and we will re-review as soon as possible. The loan file will be updated once a re-review is completed.<br>Reviewer Comment (2022-11-28): If a re-review is required, please email the DD firm to request. | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | 27281947 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | 27281955 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-28): Updated UDM provided<br>Reviewer Comment (2022-11-28): The UDM provided is dated more than 10 days prior to closing | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | 27282420 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.34316% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .34316%). |  |  | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | 27282421 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | 27284962 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOR is from a private xxxxxx. Borrower pays rents in cash which cannot be verified. Investor exception is in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | 27285074 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-28): Cleared report provided | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779754 | xxxxxx | 27284135 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Title is Vested in a Trust. Required documentation is missing or does not meet the criteria per the guidelines. |  | Per guidelines, a fully executed Certification of Trust is required when the loan closes in the name of a Trust. Loan file is missing the fully executed certification. |  | Reviewer Comment (2022-12-01): Cert of Trust provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779754 | xxxxxx | 27284849 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779754 | xxxxxx | 27284858 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-08): FTP provided | 12/08/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779754 | xxxxxx | 27284860 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-08): FTP provided | 12/08/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779754 | xxxxxx | 27284883 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Per the Note, address is xxxxxx; however, per the flood certificate the address is xxxxxx. |  | Reviewer Comment (2022-12-01): Updated flood cert provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779565 | xxxxxx | 27270795 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, non-institutional VOR require canceled checks or bank statements to verify payments. Loan file contains a private VOR; however, canceled checks or bank statements for the xxxxxx 22 was not provided to complete the required 0x30x12 housing history for a first time homebuyer. |  | Reviewer Comment (2022-12-13): LOE from xxxxxx provided regarding upfront rent utilized for October. Most recent 6 months bank statements in file for VOR.<br>Reviewer Comment (2022-12-13): Evidence of the 1st, last months, and security deposit will be required to support the xxxxxx statement as this is a private xxxxxx.<br>Reviewer Comment (2022-11-28): The same VOR and payment history that was in file was provided that was in file at time of review. We need the cancelled check or bank statement for the xxxxxx 22 payment. | 12/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779565 | xxxxxx | 27276054 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 11.66 is less than Guideline PITIA months reserves of 12.00. | Per guidelines, LTV greater than 85% requires 12 months reserves. Borrowers verified reserves of 11.43 are less than the required 12 months. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-13): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 11.43 is less than Guideline PITIA months reserves of 12.00.<br>Reviewer Comment (2022-11-28): The account provided was already considered at time of review. Funds to close are calculated as funds to close + EMD + POCB Fees+ any adjustments/gifts/1031 funds on Final xxxxxx D. Borrower is short reserves. Verified assets in file are $120,664.15 which includes the POCB of $1,475 (invoices for appraisal) and EMD $5,000 included for closing assets only. Borrower has 11.66 months reserves remaining. There is a POCB fee for $4,804 for the HOI premium. If the seller can provide the paid invoice for this, we can add it back to the closing assets. |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779565 | xxxxxx | 27276323 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-02): DI received<br>Reviewer Comment (2022-11-28): We currently do not have a PDI in file and the appraiser makes no comments regarding the recent disaster. | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779565 | xxxxxx | 27276923 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779565 | xxxxxx | 27281584 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.63412% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.63412%). |  |  | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779565 | xxxxxx | 27281585 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero percent fee tolerance exceeded; however, sufficient cure provided at closing. |  | Reviewer Comment (2022-11-17): Sufficient Cure Provided At Closing |  | 11/17/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | 27283197 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | 27283207 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | 27283252 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-11-28): Supplement provided | 11/28/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | 27283286 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx P&L Statement<br> Paystub | 1) The YTD P&L was not provided for second Schedule C business 2) B2 W2's herself for xxxxxx. Guidelines require a YTD paystub. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): The UW cert does not clear this condition. A paystub is required when a borrower W2's themselves.<br>Reviewer Comment (2022-12-02): Per client, removed 2nd Schedule C business due to no P&L. Pending receipt of paystub for B2.<br>Reviewer Comment (2022-11-30): The UW cert does not clear this condition. The CPA letter was acknowledged on xxxxxx . 1) If the P&L encumbers both, this will need to be broken out with accurate figures for each schedule C. 2) Borrower's W2'ing themselves require a YTD paystub which is a guideline requirements. The tax returns are not sufficient. If documents cannot be provided, the investor can consider waiving.<br>Reviewer Comment (2022-11-28): 1) The same P&L was provided that was in file at time of review. The borrower has 2 schedule C businesses, self titled. If the P&L encumbers both, this will need to be broken out with accurate figures for each schedule C. 2) Borrower's W2'ing themselves require a YTD paystub which is a guideline requirements. The tax returns are not sufficient. |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | 27283443 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx Tax Verification<br> Tax Verification | Evidence of taxes was not provided for xxxxxx and xxxxxx. |  | Reviewer Comment (2022-11-28): Evidence of taxes provided and added to ratios. | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | 27298466 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | All personal and business tax returns are not signed and dated by the borrower. |  | Reviewer Comment (2022-12-01): Signed personal return provided<br>Reviewer Comment (2022-11-30): Please see comments from xxxxxx :The executed personal returns were not provided<br>Reviewer Comment (2022-11-28): The executed personal returns were not provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | 27298636 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership in xxxxxx |  | Reviewer Comment (2022-11-30): CPA letter verifies 100% owner and passthrough companies.<br>Reviewer Comment (2022-11-28): The tax returns are not sufficient evidence of ownership. Provide third party documentation of ownership. | 11/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | 27298721 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the second line on the property on xxxxxx |  | Reviewer Comment (2022-11-28): HELOC agreement provided reflecting first payment not due until xxxxxx . | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | 27298778 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | The Initial 1003 reflects intent to occupy on dec page |  | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779225 | xxxxxx | 27298309 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing evidence of the 9/2022 payment for the first mortgage on borrower's primary residence to complete a 0x30x36 housing history required for first time investors. |  | Reviewer Comment (2022-11-29): Credit supplement provided<br>Reviewer Comment (2022-11-28): Supplement was not provided. Please try uploading again. | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779225 | xxxxxx | 27298417 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 646 is less than Guideline representative FICO score of 680. | Minimum credit score for a first time investor is 680. Loan was approved with a 646 FICO and a first time investor, which does not meet guideline requirements. Loan file contains Investor exception request; however, the compensating factor stating 0x30 for 48 months on all mortgages is incorrect, as loan file is missing evidence of the 9/2022 payment for borrower's primary residence first mortgage to confirm it was not 30 days late. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): Credit supplement was not provided. Please try uploading again. |  |  | 11/29/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779225 | xxxxxx | 27298444 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779225 | xxxxxx | 27299890 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower must carry HO-6 coverage for replacement of such items as flooring, wall covering, cabinets, fixtures, built-ins, and any improvements made to the unit. The HO6 only provides $5,000 in coverage. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): The same blanket and HO6 policy was provided. The blanket does not contain walls in coverage and the amount on the HO6 for $5K would not cover items such as flooring, wall coverings, cabinets, fixtures, built-ins, and any improvements to the unit. |  |  | 12/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779225 | xxxxxx | 27544902 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The completion Report does not have a Date of Inspection completed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-23): The client elects to waive. |  |  | 12/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780113 | xxxxxx | 27307652 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 6.21 is less than Guideline PITIA months reserves of 12.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors |  |  | 11/29/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780113 | xxxxxx | 27307778 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-11-29): Approval provided | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780113 | xxxxxx | 27308577 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780113 | xxxxxx | 27308956 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  |  |  | Reviewer Comment (2022-11-29): Updated flood cert provided | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780113 | xxxxxx | 27309211 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780113 | xxxxxx | 27309213 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.15910% or Final Disclosure APR of 10.22300% is in excess of allowable threshold of APOR 7.03% + 1.5%, or 8.53000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-11-29): Delivery provided | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780113 | xxxxxx | 27309214 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-11-29): Delivery provided | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780113 | xxxxxx | 27309216 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $150.00 plus 10% or $165.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2022-11-21): Sufficient Cure Provided At Closing |  | 11/21/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780689 | xxxxxx | 27310711 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780689 | xxxxxx | 27310752 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Missing rate lock. |  | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | 27310973 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | The HOA questionnaire provided in the file is incomplete. Please have Part 1 - Project Information fully completed, along with questions 23, 24, 25, 26, 27, 35, and 38. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-21): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-06): No new documents were received. Please try uploading again.<br>Reviewer Comment (2022-11-30): Per the email provided, multiple questions were left blank because they cannot be answered. Investor will need to consider waiving. |  |  | 12/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | 27311000 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, the minimum square footage for a condominium is 500 square feet. Per appraisal provided, subject is xxxxxx square feet, which does not meet the guideline requirement. Loan file contains investor exception request. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | 27311230 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per final 1003, borrower has been renting primary residence for 2 years, with a payment of $2,800 per month; however, VOR was not provided. Please provide VOR. Please note, if non-institutional lender, 6 months canceled checks or bank statements are also required. |  | Reviewer Comment (2022-11-30): VOR and bank statements provided | 11/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | 27311361 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of xxxxxx | Per guidelines, minimum loan amount for the xxxxxx Full Doc program is xxxxxx . Subject loan was approved at xxxxxx which is below the minimum amount. Loan file contains investor exception request. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | 27311371 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | 27311402 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | File is missing evidence of appraisal delivery to borrower. |  | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | 27311422 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines for condominium projects, investor concentration is allowed up to 60%. Per the HOA questionnaire, there are xxxxxx total units, and xxxxxx are investor owned, which is an 83.33% investor concentration and exceeds guideline maximum. Loan file contains investor exception request. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780599 | xxxxxx | 27314143 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-12-01): Gap provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780599 | xxxxxx | 27314357 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780599 | xxxxxx | 27314358 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-09): Clearance docs provided<br>Reviewer Comment (2022-12-01): OFAC for citizens was not provided (under hazard insurance and high risk red flag) | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311732 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-12-21): A gap report was provided. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311738 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311756 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement |  |  | Reviewer Comment (2022-11-30): Per seller, income was not utilized to qualify. Removed. | 11/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311877 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-12-21): Evidence the appraisals were delivered at least 3 days prior to close was provided. | 12/21/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311878 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.67310% or Final Disclosure APR of 9.05300% is in excess of allowable threshold of APOR 6.06% + 1.5%, or 7.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-12-21): Evidence the appraisals were delivered at least 3 days prior to close was provided. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311879 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-12-21): Evidence the appraisals were delivered at least 3 days prior to close was provided. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311880 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) Massachusetts Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details) | Massachusetts Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. |  |  | Reviewer Comment (2022-12-21): Evidence the appraisals were delivered at least 3 days prior to close was provided. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311881 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Non-Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 8.67310% or Final Disclosure APR of 9.05300% is in excess of allowable threshold of APOR 6.06% + 1.5%, or 7.56000% Non-Compliant Higher Priced Loan. |  |  | Reviewer Comment (2022-12-21): Evidence the appraisals were delivered at least 3 days prior to close was provided. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311883 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing lease agreement for investment property. |  | Reviewer Comment (2022-12-21): Evidence the appraisals were delivered at least 3 days prior to close was provided. | 12/21/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311884 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx xxxxxx % Vacancy Method) | Missing lease agreement for investment property. |  | Reviewer Comment (2022-12-21): Evidence the appraisals were delivered at least 3 days prior to close was provided. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27311885 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing lease agreement for investment property. |  | Reviewer Comment (2022-12-21): Evidence the appraisals were delivered at least 3 days prior to close was provided. | 12/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | 27534894 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 8.67310% or Final Disclosure APR of 9.05300% is in excess of allowable threshold of APOR 6.06% + 1.5%, or 7.56000% Compliant Higher Priced Loan. |  |  | Reviewer Comment (2022-12-21): The client elects to waive. |  |  | 12/21/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779802 | xxxxxx | 27327441 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The last name on the title commitment provided does not match the Borrower's last name on the loan documents. Please provide evidence title is vested in borrower's name. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-12): The QCD provided is dated post closing and now reflects the non-borrowing spouse, which the DOT does not.<br>Reviewer Comment (2022-11-30): Same name affidavit and marriage cert provided. Provide the deed with the correct name transfer to match the DOT or Final Title Policy. |  |  | 12/13/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779802 | xxxxxx | 27327443 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-29): Exception Explanation Updated from: Most Recent Valuation Inspection Date: xxxxxx <br> Disaster End Date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration Date: xxxxxx  |  |  | 11/29/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779802 | xxxxxx | 27327448 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779802 | xxxxxx | 27327490 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-29): Clearance report provided | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779802 | xxxxxx | 27327626 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The List of Homeownership Counseling Organizations is in the loan file; however, the list is not dated to determine that it was obtained within 10 days of application date. |  | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779642 | xxxxxx | 27338442 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779642 | xxxxxx | 27338448 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-11-30): CDA provided | 11/30/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779642 | xxxxxx | 27338775 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.13415% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .13415%). |  |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779642 | xxxxxx | 27338776 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations was provided; however, the list was not dated to determine if it was obtained within 10 days of application date. |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | 27337669 | xxxxxx | xxxxxx | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | 27338403 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The file is missing the mortgage history for the property located on xxxxxx. The mortgage statement and HELOC documentation only reflects a third party individual; however, the abstract search reflects the borrower is a mortgagor on the HELOC. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-02): We would need the mortgage history on the HELOC obligated.<br>Reviewer Comment (2022-12-01): The same comments were provided that were previously rejected. See comments from xxxxxx : The HELOC agreement does not reflect xxxxxx, however that does not explain why the title was recorded with her as a mortgager to the HELOC. Further, the HELOC agreement is not executed by any party. Provide an explanation.<br>Reviewer Comment (2022-11-30): The HELOC agreement does not reflect xxxxxx, however that does not explain why the title was recorded with her as a mortgager to the HELOC. Further, the HELOC agreement is not executed by any party. Provide an explanation. |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | 27338735 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | 27338736 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | 27338737 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | 27338765 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | 27339782 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the LLC. |  | Reviewer Comment (2022-12-05): Assignment of Lease provided | 12/05/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779011 | xxxxxx | 27339452 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-12-05): UDM provided | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779011 | xxxxxx | 27339910 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779011 | xxxxxx | 27339956 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing evidence of appraisal delivery to borrower. |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779011 | xxxxxx | 27339957 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 47,094.96 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780143 | xxxxxx | 27332745 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | The guidelines require a 12 month rental history for a First Time Home Buyer; however, the borrower has been living rent free; therefore, the housing requirement was not met. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780143 | xxxxxx | 27333549 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $265.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The Appraisal Re-Inspection Report Fee increased from $0.00 on the initial Loan Estimate to $265.00 on the Closing Disclosure dated xxxxxx . The file contains a change of circumstance form; however, the form does not provide the reason the fee was added. |  | Reviewer Comment (2022-12-16): SitusAMC Received COC dated xxxxxx with a valid reason for change. and also Received PCCD, LOE, Copy of check and delivery report for the cure provided for $15 |  | 12/16/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780143 | xxxxxx | 27333558 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781254 | xxxxxx | 27339785 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | The guidelines require inconsistent or large deposits to be sourced. The definition of an inconsistent or large deposit is any deposit exceeding 50% of the average monthly sales of the business. The large deposit threshold is $4,214 (all deposits from last 24 months is $202,264.44 / 24 months divided by 50%). The following deposits exceed the large deposit threshold and were not documented in the file: $4,800 on xxxxxx ; $8,000 on xxxxxx ; $8,130 in xxxxxx ; $8,000 on xxxxxx ; $6,300 on xxxxxx ; $5,000 on xxxxxx ; $8,460 on xxxxxx ; $7,800 on xxxxxx ; $5,240 on xxxxxx ; $8,500 on xxxxxx 21; $7,500 on xxxxxx ; $5,250 on xxxxxx ; $5,825 on xxxxxx ; $8,625 on xxxxxx ; $6,020 on xxxxxx ; $7,675 on xxxxxx . The file contains an Investor exception request to not source any deposits less than $9,000. Provide the approved exception form with comp factors. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781254 | xxxxxx | 27340472 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781254 | xxxxxx | 27341144 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: City does not match the Note. Contains Township in it vs. all other documents which do not. |  | Reviewer Comment (2022-12-06): Updated CDA provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780059 | xxxxxx | 27395860 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $31,207.74 is less than Cash From Borrower $32,164.82. | Documented qualifying Assets for Closing of $31,207.74 is less than Cash From Borrower $32,164.82. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-05): The most recent statement xxxxxx does not reflect sufficient funds to closed. Guidelines require a VOD or recent bank statement for funds. Wire is not acceptable. |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780059 | xxxxxx | 27395862 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780059 | xxxxxx | 27401597 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the Final Settlement Statement, only the taxes were escrowed. The xxxxxx requires both taxes and insurance to be escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780065 | xxxxxx | 27395789 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): Verus is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780065 | xxxxxx | 27395867 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780065 | xxxxxx | 27402385 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  |  | Reviewer Comment (2022-12-08): Condo rider provided<br>Reviewer Comment (2022-12-05): Investor to advise if verbiage within mortgage is acceptable. | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780065 | xxxxxx | 27402413 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780065 | xxxxxx | 27402426 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6 unit number is missing. |  | Reviewer Comment (2022-12-09): Updated HO6 provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780065 | xxxxxx | 27402430 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower on title < 12 months: Value estimate limited to the lessor of the original purchase price or the current appraised value | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780043 | xxxxxx | 27401406 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-05): PDI received dated 11.21.2022: No Damage | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780043 | xxxxxx | 27401420 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780043 | xxxxxx | 27402907 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | HOI has xxxxxx in liability coverage when $xxxxxx is required. Lender exception in file must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779978 | xxxxxx | 27403367 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779978 | xxxxxx | 27410037 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | Lender exception in file for 3x30x24 | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-14): The investor must approve all exceptions |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779978 | xxxxxx | 27410054 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779978 | xxxxxx | 27410072 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per VCC matrix, taxes and insurance are required to be escrowed. HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779960 | xxxxxx | 27405092 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-09): FTP provided | 12/09/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779960 | xxxxxx | 27405095 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-09): FTP provided | 12/09/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779960 | xxxxxx | 27405101 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779960 | xxxxxx | 27410554 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. Only taxes are escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780054 | xxxxxx | 27405015 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Estimated Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780054 | xxxxxx | 27405020 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file contains a signed estimated Closing Statement; however, the final HUD-1/Closing Statement is missing. |  | Reviewer Comment (2022-12-19): The final HUD was provided. | 12/19/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780054 | xxxxxx | 27405168 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require a full 12 month housing history for the borrower's primary residence. The file only contains 7 months of mortgage history for the primary residence. The prior housing history was not provided to complete a full 12 month history. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780054 | xxxxxx | 27405278 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780054 | xxxxxx | 27406752 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780058 | xxxxxx | 27408457 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The earnest money deposit check indicates the account the check is written on is a business account. The source of the funds and evidence of access to the business account is required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): The owner is a non-borrower. Signing the mortgage required as the property is in community property state so that has no bearing. Investor to waive. |  |  | 12/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780058 | xxxxxx | 27408800 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780058 | xxxxxx | 27408820 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-15): All mortgages for xxxxxx are > 36 months old from DLA. The borrower is a FTHB. This is an investor overlay to be noted on the loans which they can elect to waive. |  |  | 12/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780058 | xxxxxx | 27415837 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780058 | xxxxxx | 27415865 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $114,577.61. | Printout in file without an owner name reflected. |  | Reviewer Comment (2022-12-09): Wire provided reflecting account owners name which is the borrower. | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780058 | xxxxxx | 27415870 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | 5% LTV deduction for FTI | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780058 | xxxxxx | 27415871 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Printout in file without an owner name reflected. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779948 | xxxxxx | 27409151 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The final HUD-1 reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779948 | xxxxxx | 27409297 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's Experience/Track Record | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779948 | xxxxxx | 27416037 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower on title < 12 months: Value estimate limited to the lessor of the original purchase price or the current appraised value | Borrower's Experience/Track Record | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors |  |  | 12/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779928 | xxxxxx | 27408910 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's Experience/Track Record | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779928 | xxxxxx | 27417524 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. |  | Reviewer Comment (2022-12-19): Received | 12/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779928 | xxxxxx | 27417534 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): Verus is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780041 | xxxxxx | 27410180 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780041 | xxxxxx | 27410203 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Effective date xxxxxx ; Closed xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-15): Client elects to waive with verified compensation factors |  |  | 12/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780041 | xxxxxx | 27417567 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the primary residence. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780041 | xxxxxx | 27417768 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779906 | xxxxxx | 27409932 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's Experience/Track Record | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779906 | xxxxxx | 27410087 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 645 is less than Guideline representative FICO score of 650. |  | Borrower's Experience/Track Record | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779906 | xxxxxx | 27431732 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779906 | xxxxxx | 27431733 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  |  | Reviewer Comment (2022-12-09): Condo Rider provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779906 | xxxxxx | 27431734 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Last 4 of Zip do not match the Note. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780031 | xxxxxx | 27432361 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780031 | xxxxxx | 27432391 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx | Dry State: HOI effective date is after disbursement date | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780031 | xxxxxx | 27432596 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780031 | xxxxxx | 27436470 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $114,795.91 is less than Cash From Borrower $134,071.66. | Non-borrower assets cannot be utilized. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-16): The guidelines do not state non-borrower accounts can be utilized. Condition remains. |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780008 | xxxxxx | 27417914 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780008 | xxxxxx | 27435390 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780008 | xxxxxx | 27435424 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month VOM for the subject property and primary residence. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780008 | xxxxxx | 27435437 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | Lender exception in file for 1x30 in the past 90 days. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780008 | xxxxxx | 27435458 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Allowed for R/T only. Lender exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780007 | xxxxxx | 27433249 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780007 | xxxxxx | 27433536 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-15): PDI provided 11.22.2022: No Damage | 12/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780007 | xxxxxx | 27433541 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-15): FTP provided | 12/15/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780007 | xxxxxx | 27433542 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  | Reviewer Comment (2022-12-15): FTP provided | 12/15/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780007 | xxxxxx | 27433546 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779935 | xxxxxx | 27417470 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779935 | xxxxxx | 27436088 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779935 | xxxxxx | 27436093 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $8,914.95. |  | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779935 | xxxxxx | 27436095 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | 5% LTV deduction for FTI | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779935 | xxxxxx | 27436096 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780064 | xxxxxx | 27417661 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $248,832.96 is less than Cash From Borrower $262,589.68. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): The loan approval does not clear this condition. Sufficient assets needs to be documented in the file. Cash to close is considered funds to close + EMD + POCB fees+ any adjustments/gifts/1031 on the Final H xxxxxx lement Statement |  |  | 12/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780064 | xxxxxx | 27417666 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780064 | xxxxxx | 27434714 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Flood Insurance is not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779941 | xxxxxx | 27435724 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Hazard Insurance was not escrowed on the HUD as required by guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779941 | xxxxxx | 27435754 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779941 | xxxxxx | 27435779 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: 29050.00 | Collection account exceeds the $25,000 limit and is not paid off as required by guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779941 | xxxxxx | 27435838 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Note reflects the street type as 'xxxxxx'; however, the 1004 reflects 'xxxxxx'. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779984 | xxxxxx | 27436376 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing missing for xxxxxx |  | Reviewer Comment (2022-12-16): COGS provided. The 60 days prior to closing requirement is under Corporations only<br>Reviewer Comment (2022-12-15): The only document uploaded was the SOS for a different Entity and is not dated. | 12/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779984 | xxxxxx | 27436848 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-15): PDI received dated 11.22.2022: No Damage | 12/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779984 | xxxxxx | 27436850 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-06): Client elects to weave |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779908 | xxxxxx | 27437978 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779908 | xxxxxx | 27437983 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | Verus Overlays: FTHB should be flagged as a credit exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-14): Investor has applied their own overlays to the VCC guidelines. It is valid. Investor to review. |  |  | 12/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779908 | xxxxxx | 27437995 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 646 is less than Guideline representative FICO score of 650. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779908 | xxxxxx | 27444985 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the borrower's primary residence. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779920 | xxxxxx | 27445166 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 779920 | xxxxxx | 27445319 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's Experience/Track Record | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 779920 | xxxxxx | 27453265 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The Final Closing Statement in file is not signed/stamped certified. The signed settlement statement in file is an estimate. |  | Reviewer Comment (2022-12-16): Final SS provided | 12/16/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780005 | xxxxxx | 27448674 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require a VOR from a management company or cancelled rent checks from the borrower for the past 12 months to verify the borrower's rental history. The file contains a VOR; however, it is from a private individual and the file does not contain the required cancelled checks. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780005 | xxxxxx | 27448690 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | The program matrix reflects the maximum LTV for a First Time Investor is 70%. The loan closed with an LTV of 75%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780005 | xxxxxx | 27448702 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx , Disbursement date: xxxxxx | Wet State: HOI effective date is after closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780005 | xxxxxx | 27448710 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779997 | xxxxxx | 27446559 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines require a minimum of $300,000 in liability insurance. The policy reflects liability coverage of $100,000. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779997 | xxxxxx | 27446835 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | The program matrix allows a maximum LTV of 70% for a First Time Investor; however, the loan closed with an LTV of 75%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779997 | xxxxxx | 27446839 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-15): PDI received dated 11.22.2022: No Damage | 12/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779997 | xxxxxx | 27446861 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780010 | xxxxxx | 27448000 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780010 | xxxxxx | 27448161 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | The program matrix reflects the maximum LTV for a First Time Investor as 70%. The loan closed with an LTV of 75%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780010 | xxxxxx | 27448192 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780010 | xxxxxx | 27459622 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Provide the Trust Agreement for the assets | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-14): The investor will need to consider waiving as we do not have evidence of ownership in the trust. |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780010 | xxxxxx | 27459629 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2022-12-14): HOA questionnaire provided | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780010 | xxxxxx | 27459659 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HO6 does not reflect the Entity as insured. |  | Reviewer Comment (2022-12-19): Received | 12/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780010 | xxxxxx | 27459670 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The blanket policy covers xxxxxx. However, our subject property is xxxxxx. |  | Reviewer Comment (2022-12-14): Updated blanket provided | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780056 | xxxxxx | 27447600 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780056 | xxxxxx | 27447630 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780056 | xxxxxx | 27447637 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780056 | xxxxxx | 27447716 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Borrower is a First Time Investor and the Guidelines require a 5% reduction in LTV for FTI's. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780056 | xxxxxx | 27447805 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Hazard Insurance was not escrowed on the HUD as required by guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780724 | xxxxxx | 27337045 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per the guidelines for institutional lenders, a 12 month mortgage history is required to be documented. The final CD and title commitment reflect 2 institutional mortgages being paid through closing, however a 12 month history was not provided as required. AUS approve was provided, however per the guidelines this is only allowed for non-instititual lenders. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-07): If the liens are tied to the property and being paid off through closing, a payment history is required whether or not the borrower was obligated on payment history or not. |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337110 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  | Reviewer Comment (2022-12-01): Updated commitment provided | 12/01/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337111 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337166 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Due to transferred appraisal report. |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337167 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.29899% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.29899%). |  |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337168 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing required consecutive bank statements. |  | Reviewer Comment (2022-12-07): xxxxxx 21 BS provided | 12/07/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337169 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (xxxxxx,xxxxxx/Bank Statements) | File only contains 11 months of consecutive bank statements. Please provide either the xxxxxx 21 or xxxxxx 22 bank statement to complete the required 12 months of consecutive statements for account xxxxxx. |  | Reviewer Comment (2022-12-07): xxxxxx 21 BS provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337170 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing required consecutive bank statements. |  | Reviewer Comment (2022-12-07): xxxxxx 21 BS provided | 12/07/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337171 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $240.50 exceeds tolerance of $150.00 plus 10% or $165.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Ten percent fee tolerance exceeded; however, sufficient cure was provided at closing. |  | Reviewer Comment (2022-11-28): Sufficient Cure Provided At Closing |  | 11/28/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337292 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing 12th consecutive month of bank statements as required by guidelines. |  | Reviewer Comment (2022-12-07): xxxxxx BS provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27337318 | xxxxxx | xxxxxx | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. | Borrower: xxxxxx xxxxxx mployment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx Statement Period Months provided: 11, | File only contains 11 months of consecutive bank statements. Please provide either the xxxxxx 21 or xxxxxx 22 bank statement to complete the required 12 months of consecutive statements for account xxxxxx. |  | Reviewer Comment (2022-12-07): xxxxxx 21 bank statement provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780724 | xxxxxx | 27452713 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2022-12-07): xxxxxx BS provided | 12/07/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778336 | xxxxxx | 27341451 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Guidelines do not allow rural properties. The appraisal report verifies the property is in a rural area. The file contains a lender exception; however, the file is missing the investor exception. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778336 | xxxxxx | 27342089 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778336 | xxxxxx | 27369328 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $63.00 plus 10% or $69.30. Insufficient or no cure was provided to the borrower. xxxxxx | The Recording Fee increased from $63.00 on the initial Loan Estimate to $75.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-12-14): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 12/14/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778336 | xxxxxx | 27369329 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $151.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower.(7520) | The Credit Report Fee increased from $100.00 on the initial Loan Estimate to $151.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-12-09): SitusAMC received sufficient cure at closing for the Credit Report fee increased. | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | 27390070 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-12-06): Approval provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | 27392712 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-12-06): UDM provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | 27393279 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | 27393294 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | File is missing CPA letter, or other reliable third party verification, of borrower's ownership percentage of the business used in income qualifying. The xxxxxx document provided does not indicate any owners or their percentage of ownership. |  | Reviewer Comment (2022-12-12): Partnership agreement provided<br>Reviewer Comment (2022-12-06): The documents provided are for the Borrowing Entity. This is for the business in which income was utilized to qualify which is xxxxxx. | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | 27393296 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-09): Clearance report provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | 27393334 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing evidence of appraisal delivery to borrower. |  | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | 27393389 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines for bank statement program, rental income must be documented into separate bank account when using in income qualifying. A separate account was provided; however, the rental deposit amounts do not match the lease agreements in the file. The borrower provided an LOE for the rental amounts and loan file contains an investor exception request. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27342472 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-12-02): Gap report provided | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27342604 | xxxxxx | xxxxxx | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27342627 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Per guidelines, 6 months reserves are required. File contains a gift letter, indicating that $177,000 will be transferred to borrowers at closing; however, final CD provided does not reflect the funds were received. Please provide evidence gift funds received by settlement agent and/or borrower at or prior to closing to re-calculate available closing funds and reserves. |  | Reviewer Comment (2022-12-02): Evidence of gift funds received. Does not need to be prior to closing since we have signed gift letter dated prior to closing. | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27342638 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | There is no evidence in the file that items 13, 14 and 16 on Schedule B, Part 1 of the title commitment were paid at or prior to closing of the subject transaction. |  | Reviewer Comment (2022-12-05): FTP provided<br>Reviewer Comment (2022-12-02): Client stated to disregarded previous comments. Pushed back.<br>Reviewer Comment (2022-12-02): The report provided reflects liens were satisfied and these were paid on the seller CD. The report nor what was paid off on the Seller CD match the title report 13, 14, and 16. Provide a clear title policy of supplemental report that these will not appear on the final title.<br>Reviewer Comment (2022-12-02): None of the figures on the documents match the figures on the tile report. Provide the clear title report. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27342641 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $168,149.08 is less than Cash From Borrower $233,515.57. | File contains a gift letter, indicating that $177,000 will be transferred to borrowers at closing; however, final CD provided does not reflect the funds were received. Please provide evidence gift funds received by settlement agent and/or borrower at or prior to closing in order to re-calculate available closing funds. |  | Reviewer Comment (2022-12-02): Evidence of gift funds received. Does not need to be prior to closing since we have signed gift letter dated prior to closing. | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27342642 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-05): FTP provided | 12/05/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27342643 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27350928 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.45338% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .45338%). |  |  | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27350931 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27350932 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of counseling agencies list per Maryland HB 1399. |  |  | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27350936 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Lender attestation indicating that (1) the borrower did not qualify for any non-higher-priced loans or (2) the lender does not offer non-higher-priced loans. C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27351024 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 8.90920% or Final Disclosure APR of 8.95400% is in excess of allowable threshold of APOR 6.95% + 1.5%, or 8.45000%. Non-Compliant Higher Priced Loan. |  |  | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27351047 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $32,973.57may be required. | Loan file does not contain any loan estimates. |  | Reviewer Comment (2022-12-02): SitusAMC received xxxxxx-LE | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27351051 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM disclosure in file is signed/dated by borrowers the date of closing and was not provided within 3 days of application date. |  | Reviewer Comment (2022-12-02): Earlier disclosure received | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27351052 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | CHARM booklet disclosure in file is signed/dated by borrowers the date of closing and was not provided within 3 days of application date. |  | Reviewer Comment (2022-12-02): Earlier disclosure received | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27412560 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Missing SSPL Disclosure |  | Reviewer Comment (2022-12-05): SitusAMC received SSPL. | 12/05/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27412590 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of xxxxxx exceeds tolerance of $280.00 plus 10% or $308.00. Insufficient or no cure was provided to the borrower. xxxxxx | SitusAMC received xxxxxx LE. Missing valid changed circumstance(s) and SSPL disclosure. Cure would be due with Corrected CD, LOE to borrower, copy of cure refund and proof of mailing |  | Reviewer Comment (2022-12-05): SitusAMC received SSPL. Upon further review, consumer within 10% tolerance requirements. | 12/05/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | 27412591 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of xxxxxx exceeds tolerance of $495.00. Insufficient or no cure was provided to the borrower. (77169) | SitusAMC received xxxxxx LE. Missing valid changed circumstance(s) and SSPL disclosure. Cure would be due with Corrected CD, LOE to borrower, copy of cure refund and proof of mailing |  | Reviewer Comment (2022-12-05): SitusAMC received SSPL. Upon further review, consumer within 0% tolerance requirements. | 12/05/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780131 | xxxxxx | 27394785 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 780131 | xxxxxx | 27394787 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-12-02): CDA received | 12/02/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 780131 | xxxxxx | 27395459 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.82 is less than Guideline PITIA months reserves of 2.00. | Gift funds cannot be utilized for reserves. All gifts received into borrower's account were backed out. |  | Reviewer Comment (2022-12-02): Additional bank statement provided<br>Reviewer Comment (2022-12-02): No new documents were received. Please try uploading again. | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 781046 | xxxxxx | 27390461 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781046 | xxxxxx | 27390590 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781046 | xxxxxx | 27390591 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt was not provided |  | Reviewer Comment (2022-12-07): SitusAMC received Web Log Report which shows borrower received Initial CD on xxxxxx . | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781046 | xxxxxx | 27390716 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-12-06): Gap provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781046 | xxxxxx | 27398547 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | 2x30x12 > 0x30x12 for xxxxxx. |  | Reviewer Comment (2022-12-08): Client requested re-review to xxxxxx which allows 0x60x12 with an LTV restriction. | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780623 | xxxxxx | 27394029 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780623 | xxxxxx | 27394058 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.66739% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .66739%). |  |  | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781230 | xxxxxx | 27390403 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification from the bank of the transaction histories from xxxxxx through xxxxxx for account ending #0152. The file contains bank statements dated xxxxxx and xxxxxx that both state the balances as $74,978.00; however, the file contains a printout dated xxxxxx that reflects the balance on xxxxxx as $15,078.00 which does not match the statement balance dated xxxxxx of $74,978.00. |  | Reviewer Comment (2022-12-20): Received | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781230 | xxxxxx | 27393196 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781230 | xxxxxx | 27393197 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781230 | xxxxxx | 27393198 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.67920% or Final Disclosure APR of 8.70000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.89000 + 1.75%, or 7.64000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781230 | xxxxxx | 27393208 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | 27394280 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 646 is less than Guideline representative FICO score of 680. | The guidelines require a score of 680 for a First Time Home Buyer. The loan was closed with a score of 646. The file contains an Investor exception, however comp factors are not reflected. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-05): The same exception form was provided that was in file at time of review. The comp factors are not reflected. |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | 27394302 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $765.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | The Second Appraisal Fee increased from $0.00 on the initial Loan Estimate to $765.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-12-09): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check. |  | 12/09/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | 27394307 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | 27394309 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-12-05): Second appraisal provided | 12/05/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | 27394339 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | The bank statements reflect 7 NSF's in the last 12 months. The file contains an Investor exception, however comp factors are not reflected. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-05): The same exception form was provided that was in file at time of review. The comp factors are not reflected. |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | 27470605 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) | Provide evidence the second appraisal was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2022-12-21): Received appraisal delivery confirmation | 12/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | 27470606 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.48760% or Final Disclosure APR of 10.52300% is in excess of allowable threshold of APOR 7.00% + 1.5%, or 8.50000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the second appraisal was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2022-12-21): Received appraisal delivery confirmation | 12/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | 27470607 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx | Provide evidence the second appraisal was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2022-12-21): Received appraisal delivery confirmation | 12/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781225 | xxxxxx | 27394944 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.23 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2022-12-08): Additional statement provided with updated balance<br>Reviewer Comment (2022-12-07): The EMD is included in the overall cash to close along with POCB fees and any adjustments on page 3 of the Final CD. The EMD was documented in file and included in the assets. Investor can elect to waive.<br>Reviewer Comment (2022-12-06): Additional bank statement provided for xxxxxx however borrower is still short reserves. New reserve count is 2.23<br>Reviewer Comment (2022-12-06): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 0.05 is less than Guideline PITIA months reserves of 6.00.<br>Reviewer Comment (2022-12-05): The 1008 does not clear this condition. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gift funds/1031 exchange funds on the Final CD. After cash to close, remaining funds are $339.80 | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781225 | xxxxxx | 27394950 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781567 | xxxxxx | 27395466 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.93 is less than Guideline PITIA months reserves of 6.00. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-05): Lender would like to waive |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781567 | xxxxxx | 27395480 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan does not meet the Safe Harbor requirements due to the appraisal report shows a different lender than what is on the note. |  | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781567 | xxxxxx | 27395482 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file is missing the initial Closing Disclosure. |  | Reviewer Comment (2022-12-06): SitusAMC received Esigned copy of xxxxxx CD received 3 business days prior to consummation. | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781567 | xxxxxx | 27395487 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | The Loan Estimate dated xxxxxx is not signed and dated and the file does not contain any documentation to verify the date the borrower received the Loan Estimate; therefore, the estimated date of xxxxxx which is not at least 4 business days prior to the loan closing. |  | Reviewer Comment (2022-12-06): SitusAMC received proof of receipt. | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781567 | xxxxxx | 27395495 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780518 | xxxxxx | 27395644 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per the final 1003, borrower has owned primary residence for 9 months, and owned prior residence for 1 year, 10 months. Loan file contains pay history for the Lender that was paid off during the refinance of the departing primary; however, it does not contain any information identifying that it belongs to the borrower's loan. The property history report provided for the prior primary on xxxxxx indicates it was sold xxxxxx , which is more than 9 months prior to the subject transaction. Please provide address of borrower's residence prior to the current departing primary reflected on the 1003, along with evidence of payments to complete the required 12 month mortgage history. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-12-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): The guidelines allow a waiver of VOM/VOR history for non-institiuonal only and the AUS must be approved. AUS provided is Ineligible. Further, the corrected 1003 was not provided with correct housing history. |  |  | 12/14/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780518 | xxxxxx | 27395778 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779532 | xxxxxx | 27406404 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779532 | xxxxxx | 27406473 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779532 | xxxxxx | 27406474 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of xxxxxx used as disbursement date for compliance testing. | Loan file is missing final xxxxxx D-1/Closing Statement. |  | Reviewer Comment (2022-12-05): Fina HUD-1 provided | 12/05/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779532 | xxxxxx | 27406475 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Loan file is missing final xxxxxx D-1/Closing Statement. |  | Reviewer Comment (2022-12-05): Fina HUD-1 provided | 12/05/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779532 | xxxxxx | 27435747 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for xxxxxx to remain in dispute. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27407868 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27408058 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing evidence of appraisal delivery to borrower at least 3 business days prior to consummation. |  | Reviewer Comment (2022-12-13): Client elects to waive |  |  | 12/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27408059 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.75580% or Final Disclosure APR of 9.78400% is in excess of allowable threshold of APOR 7.03% + 1.5%, or 8.53000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-12-19): Evidence of delivery for all appraisals was provided.<br>Reviewer Comment (2022-12-19): The document provided does not reflect that borrower received/downloaded the appraisal report dated xxxxxx . It is instructions for the borrower to download the report, but does not confirm that it was received by borrower. Please provide evidence borrower received appraisal report dated xxxxxx .<br>Reviewer Comment (2022-12-13): Provide evidence the updated appraisal was delivered to the borrower<br>Reviewer Comment (2022-12-05): The document provided is just an acceptance that the borrower agrees to receive the appraisal electronically. Provide evidence the appraisal was delivered to the borrower for download. | 12/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27408060 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Missing evidence of appraisal delivery to borrower at least 3 business days prior to consummation. |  | Reviewer Comment (2022-12-19): Evidence of delivery for all appraisals was provided.<br>Reviewer Comment (2022-12-19): The document provided does not reflect that borrower received/downloaded the appraisal report dated xxxxxx . It is instructions for the borrower to download the report, but does not confirm that it was received by borrower. Please provide evidence borrower received appraisal report dated xxxxxx .<br>Reviewer Comment (2022-12-16): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx <br>Reviewer Comment (2022-12-13): Provide evidence the updated appraisal was delivered to the borrower<br>Reviewer Comment (2022-12-05): The document provided is just an acceptance that the borrower agrees to receive the appraisal electronically. Provide evidence the appraisal was delivered to the borrower for download. | 12/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27408061 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 9.75580% or Final Disclosure APR of 9.78400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.94000 + 1.75%, or 8.69000%. Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27408062 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | Per the appraisal and final CD, there are HOA dues on the subject property; however, page 4 of the final CD did not disclose the amount. |  | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27408063 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing |  |  |  | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27408064 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,050.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-12-12): SitusAMC received LOE confirming in LE Transfer Taxes and recording Fee were listed as lumpsum amount along with itemization of fees.<br>Reviewer Comment (2022-12-07): SitusAMC received Changed Circumstance dated xxxxxx , which indicates "Title Company and Bank attorney updated. Fees are updated per Preliminary CD, for which we do not have a valid reason to the addition of Transfer taxes. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change or refund cure is required to borrower. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2022-12-06): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was added on CD it only states updated title company & bank attorney . In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27408073 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the appraisal provided, property is in a PUD with monthly HOA dues; however, there is no PUD Rider attached to the security instrument. Further, the title commitment provided, under the endorsement section, does not indicate that a PUD Rider will be attached. Please provide an executed PUD Rider, along with evidence a PUD endorsement will appear on the final title. |  | Reviewer Comment (2022-12-13): Corrected appraisal provided | 12/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27447341 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.75580% or Final Disclosure APR of 9.78400% is in excess of allowable threshold of APOR 7.03% + 1.5%, or 8.53000%. Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-12-13): Updated appraisal in file with no delivery | 12/13/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | 27519510 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-12-19): The client elects to waive. |  |  | 12/19/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27408991 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-12-09): Gap provided. New debt for CB added to ratios. | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27409229 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Title commitment provided reflects co-borrower, as sole owner; however, Security Instrument reflects borrower and co-borrower, as joint tenants with rights of survivorship. Please provide signed deed at closing transferring property to both borrowers. |  | Reviewer Comment (2022-12-08): Deed provided | 12/08/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27409252 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27409304 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Due to appraisal being in different Lender's name. |  | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27409305 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.98697% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.98697%). |  |  | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27409307 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,885.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-12-12): SitusAMC received COC dated xxxxxx . | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27409308 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | Zero percent fee tolerance exceeded. The Change of Circumstance form provided does not indicate why the fee was required. |  | Reviewer Comment (2022-12-22): SitusAMC received VCC dated xxxxxx .<br>Reviewer Comment (2022-12-20): SitusAMC received COC dated xxxxxx but it does not give sufficient information on why the Appraisal review fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change as the SSR report in file is dated xxxxxx and fee got added on xxxxxx which is not in 3 days of change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2022-12-12): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change as the SSR report in file is dated xxxxxx and fee got added on xxxxxx which is not in 3 days of change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 12/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27409309 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $620.00 exceeds tolerance of $595.00. Insufficient or no cure was provided to the borrower. (7506) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-12-12): SitusAMC sufficient cure provided at closing. | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27537698 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) |  |  | Reviewer Comment (2022-12-22): Sufficient Cure Provided At Closing |  | 12/22/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | 27537699 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $620.00 exceeds tolerance of $595.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2022-12-22): Sufficient Cure Provided At Closing |  | 12/22/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780748 | xxxxxx | 27406689 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 781856 | xxxxxx | 27406818 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 781856 | xxxxxx | 27406823 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-12-07): CDA received | 12/07/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 781856 | xxxxxx | 27406828 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-07): Cleared Fraud Report provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 781856 | xxxxxx | 27408067 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects a different lender. |  | Reviewer Comment (2023-01-03): Updated policy provided<br>Reviewer Comment (2022-12-13): Page 2 was reviewed. Under additional interest, this still reflects xxxxxx iSAOA. If the original document was altered, our system is designed to remove any alterations.<br>Reviewer Comment (2022-12-07): The fictitious business name uploaded reflects xxxxxx. The HOI mortgagee + ISAOA reflects xxxxxx | 01/03/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A |  | N/A | No | Property Focused |
| xxxxxx | 781507 | xxxxxx | 27437091 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-12-13): 1008 W/ UW name provided | 12/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437092 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-12-12): Flood Cert provided. See added condition for street name mismatch | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437207 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.87 is less than Guideline PITIA months reserves of 6.00. | Per final 1003, borrower has 3 asset accounts totaling $65,648; however, loan file only contains statements for the business account totaling $19,622.93, which is not sufficient to meet the required 6 month reserve requirement. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-23): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-12): Additional and updated asset account statements provided, however borrower is still short reserves. Account #xxxxxxwas not utilized as there is no evidence of ownership in the business. New reserve count is 4.87 months.<br>Reviewer Comment (2022-12-12): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. |  |  | 12/23/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437208 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 673 is less than Guideline representative FICO score of 680. | Minimum FICO per xxxxxx 22 xxxxxx matrix for a purchase of a primary residence at 85% LTV is 680. Borrower's FICO of 673 does not meet this requirement. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-23): Waived with compensating factors per investor request. |  |  | 12/23/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437215 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $22,152.93 is less than Cash From Borrower $52,701.30. | Per final 1003, borrower has 3 asset accounts totaling $65,648; however, loan file only contains statements for the business account totaling $19,622.93, which is not sufficient to meet the required cash to close. |  | Reviewer Comment (2022-12-12): Additional asset statement account provided along with an updated asset account statement. | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437222 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437223 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-12-12): CDA provided | 12/12/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437233 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Guidelines for the bank statement program require either a CPA letter or other third party documentation reflecting borrower's ownership percentage of business used in income qualifications. Loan file is missing this required documentation. |  | Reviewer Comment (2022-12-12): Articles of Org provided | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437297 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.84713% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.84713%). |  |  | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437298 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing third party verification of borrower's business. |  | Reviewer Comment (2022-12-12): Third party docs provided | 12/12/2022 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437299 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx/Bank Statements) | Due to missing third party verification of borrower's business. |  | Reviewer Comment (2022-12-12): Third party docs provided | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27437300 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing third party verification of borrower's business. |  | Reviewer Comment (2022-12-12): Third party docs provided | 12/12/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781507 | xxxxxx | 27470828 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note/DOT+ Riders reflect "xxxxxx" vs. all other documents which reflect xxxxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-23): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-13): Provide all pages of the corrected Note and DOT. LOI received. Also provide the LOE to borrower and evidence of delivery to the borrower. |  |  | 12/23/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781896 | xxxxxx | 27407782 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781896 | xxxxxx | 27413220 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $141,813.84 is less than Cash From Borrower $152,649.81. | Business funds provided for assets. Borrower is only 34.60% owner of the business which can only be utilized to qualify per guidelines. Full access letter from the other members has no bearing on this as the guidelines are specific and do not allow full access letter in lieu of. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-14): Client elects to waive with verified compensation factors |  |  | 12/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781896 | xxxxxx | 27413225 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 4.00. | Business funds provided for assets. Borrower is only 34.60% owner of the business which can only be utilized to qualify per guidelines. Full access letter from the other members has no bearing on this as the guidelines are specific and do not allow full access letter in lieu of. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-14): Client elects to waive with verified compensation factors |  |  | 12/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779498 | xxxxxx | 27407256 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779498 | xxxxxx | 27412688 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for multiple parcels with converted garage / unit on additional parcel. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779498 | xxxxxx | 27412732 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | 2370 is missing |  | Reviewer Comment (2022-12-06): Updated Flood Cert provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779498 | xxxxxx | 27412733 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: 2370 is missing |  | Reviewer Comment (2022-12-06): Updated CDA provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27409022 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx <br> Disaster End date: xxxxxx | Condition will be re-reviewed upon receipt of appraisal. |  | Reviewer Comment (2022-12-06): Appraisal received and completed after disaster. | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27409047 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27409054 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 | Note date: xxxxxx ; Lien Position: 1 | Appraisal with 1007 is required. |  | Reviewer Comment (2022-12-06): Appraisal received | 12/06/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27409056 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-12-12): CDA provided. See new condition. | 12/12/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27409091 | xxxxxx | xxxxxx | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | Address: xxxxxx., xxxxxx, xxxxxx |  |  | Reviewer Comment (2022-12-06): Lease provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27409100 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-12-06): Approval provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27409101 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  | Reviewer Comment (2022-12-06): Credit report provided | 12/06/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27409107 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2022-12-06): OFAC provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27409111 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-12-06): Fraud Report provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27412923 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are two Abstract Judgments in file that reflect still due. Provide evidence paid in full and released. |  | Reviewer Comment (2023-01-04): Title agency LOE that states judgments do not belong to the borrower.<br>Reviewer Comment (2022-12-13): The title in file did not reflect the judgments. These were two separate documents from xxxxxx and xxxxxx. We will need evidence that these do not belong to the borrower or are satisfied/paid in full. The email provide is partial and not specific and appears to be in reference to the title which did not reflect any judgments. | 01/04/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27412967 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 696 is less than Guideline representative FICO score of 660. | Credit report is missing |  | Reviewer Comment (2022-12-06): Credit report provided<br>Reviewer Comment (2022-12-06): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Representative FICO score of is less than Guideline representative FICO score of 700. | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27474507 | xxxxxx | xxxxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7 | Note date: xxxxxx ; Lien Position: 1 | CDA provided reflects Indeterminate. Provide the ARR from Pro Teck or Field Review. |  | Reviewer Comment (2023-01-04): Field review provided | 01/04/2023 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780593 | xxxxxx | 27581360 | xxxxxx | xxxxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note date: xxxxxx ; Lien Position: 1 |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-04): Client elects to waive |  |  | 01/04/2023 | 2 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780804 | xxxxxx | 27412535 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-12-07): Approval provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780804 | xxxxxx | 27412536 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-12-07): Gap report provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780804 | xxxxxx | 27412537 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-12-22): Received | 12/22/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780804 | xxxxxx | 27412601 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-07): FTP provided | 12/07/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780804 | xxxxxx | 27412606 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx |  |  | Reviewer Comment (2022-12-09): Final SS provided. Effective date after disbursement. Dry State | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780804 | xxxxxx | 27412608 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: xxxxxx |  |  | Reviewer Comment (2022-12-07): FTP provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780804 | xxxxxx | 27412610 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780804 | xxxxxx | 27412685 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing evidence of appraisal delivery to borrowers at least 3 business days prior to consummation. |  | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780804 | xxxxxx | 27412695 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per guidelines for the full documentation program, paystubs covering the most 30 days, reflecting year-to-date income, are required. The documentation provided for the co-borrower is a handwritten paystub, which does not indicate year-to-date earnings. File also contains a WVOE. File contains investor exception request. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781057 | xxxxxx | 27416793 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781057 | xxxxxx | 27416871 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx Other | The following REO documents are required and missing from the file: Evidence all of the borrower's REOs are owned free & clear; REO on xxxxxx- evidence of HOA dues and property taxes: REOs on xxxxxx and xxxxxx, xxxxxx: evidence of property taxes. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-27): Being land only does not mean it is free and clear. The borrower could have taken out a lien to purchase the land. Evidence of free and clear for the property on xxxxxx will be required via a property profile report.<br>Reviewer Comment (2022-12-27): Evidence of free and clear was not provided for xxxxxx<br>Reviewer Comment (2022-12-15): The AVM's do not clear this condition. This does not pertain to the properties being listed. Provide the property profile reports reflecting free and clear.<br>Reviewer Comment (2022-12-14): Evidence of no ground rent for property on xxxxxx received. Pending receipt of property profile reports for all properties reflecting Free and Clear.<br>Reviewer Comment (2022-12-09): Received HOA and taxes for xxxxxx and received taxes for xxxxxx) Need property profile reports for all properties reflecting Free and Clear 2) Need ground rent amount for property on xxxxxx. Document provided with taxes reflects ground rent redemption.<br>Reviewer Comment (2022-12-07): The LOE and the credit report do not verify free and clear. Provide the property profile report for all properties to evidence free and clear. Further, evidence of taxes and HOA dues was not provided for the property on xxxxxx. Also, evidence of taxes on xxxxxx were not provided. Tax cert received for property on xxxxxx Additional tax cert reflects property unknown, therefore cannot tie it to any property. |  |  | 12/28/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781057 | xxxxxx | 27416931 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $520.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero percent fee tolerance exceeded; however, sufficient cure provided at closing. |  | Reviewer Comment (2022-12-02): Sufficient Cure Provided At Closing |  | 12/02/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781057 | xxxxxx | 27547078 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx HOA Verification, Insurance Verification, Tax Verification |  |  | Reviewer Comment (2022-12-28): Property profile report provided reflecting sold/not in borrower's name.<br>Reviewer Comment (2022-12-27): The document provided is a screen shot of a property profile report and does not reflect an address or a date and is incomplete.<br>Reviewer Comment (2022-12-27): AVM is not acceptable for evidence sold. Provide the property profile report.<br>Reviewer Comment (2022-12-27): The profile report reflects a property that was not disclosed on the 1003 as owned at xxxxxx e. Provide evidence of taxes, insurance, and HOA, if any along with an updated 1003/1008 adding in the property. | 12/28/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780727 | xxxxxx | 27416586 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 781136 | xxxxxx | 27433717 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781136 | xxxxxx | 27433723 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The commitment provided is missing all schedules. Please provide complete title commitment or final title. |  | Reviewer Comment (2022-12-07): Title commitment provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781136 | xxxxxx | 27433730 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781136 | xxxxxx | 27433757 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI policy provided reflects city as xxxxxx TWP; however, Note only reflects xxxxxx. |  | Reviewer Comment (2022-12-08): Updated HOI provided | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781136 | xxxxxx | 27433761 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA reflect city as xxxxxx TWP; however, Note only reflects xxxxxx. |  | Reviewer Comment (2022-12-12): Updated Appraisal received. New CDA received. | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781136 | xxxxxx | 27433783 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Missing evidence primary residence is owned free and clear. Loan file contains mortgage statement for this property reflecting an open mortgage; however, per final 1003 and fraud report, borrower owns this free and clear. DTI subject to recalculation once clarification received. |  | Reviewer Comment (2022-12-21): Received credit supplement reflecting 16 months of history, along with corrected 1003.<br>Reviewer Comment (2022-12-20): Credit supplement received does not indicate how many months the mortgage was rated for, nor does it indicate if there were any late payments. It just states the last payment received date and transferred date. Please provide complete 12 month history for the prior mortgage on the primary. Further, a corrected 1003 is also still required to reflect that the primary residence is not owned free & clear.<br>Reviewer Comment (2022-12-14): This condition does not pertain to the incorrect documents with a PPP. Please see original condition and comments on xxxxxx : The credit supplement provided only covers 4 months. 12 months history required. The supplement indicates transferred from xxxxxx, however this history is not reflected on the credit report. Further, provide the corrected 1003/1008 adding in mortgage.<br>Reviewer Comment (2022-12-13): The credit supplement provided only covers 4 months. 12 months history required. The supplement indicates transferred from xxxxxx, however this history is not reflected on the credit report. Further, provide the corrected 1003/1008 adding in mortgage. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781136 | xxxxxx | 27433815 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The prepayment rider to the Note and Mortgage that was provided is incomplete. It indicates that with N/A months of the loan signature date, a prepayment applies, and lists prepayment terms. Please provide clarification on whether prepayment applies to subject loan and provide corrected PPP riders if necessary. |  | Reviewer Comment (2022-12-20): Cleared. LOE to borrower reflects PPP addendum was canceled on this loan.<br>Reviewer Comment (2022-12-16): Evidence of delivery provided. Pending receipt of Prepayment Penalty Modification or Addendum removing the prepay<br>Reviewer Comment (2022-12-14): Received updated DOT, LOE to borrower, and LOE. Pending receipt of Prepayment Penalty Modification or Addendum removing the prepay and evidence of delivery to the borrower,.<br>Reviewer Comment (2022-12-07): The documents were executed by the borrower and recorded with the Note and DOT and cannot be ignored. If there is no PPP, please provide the updated DOT removing the PPP, Lender Intent to Re-Record, LOE to borrower, evidence of delivery to the borrower and the cancelled PPP to the Note. | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 781136 | xxxxxx | 27433851 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing evidence of appraisal delivery to borrower at least 3 business days prior to consummation. |  | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781136 | xxxxxx | 27470682 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-12-12): Client elects to waive |  |  | 12/12/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27434073 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Guidelines for the non-permanent resident borrower require a valid VISA, which was not provided and EAD expiring within 6 months. Status C10 not allowed. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27434719 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-12-12): Gap report provided | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27434911 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27434957 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | The loan file contains several CPA letters that reference the borrower's business; however, the CPA letter dated xxxxxx references our borrower in the top paragraphs, but then references another individual in the bottom paragraphs that is not related to the subject loan. Further, there are two additional CPA letters, one dated xxxxxx and one dated xxxxxx in which the fonts used on the documents do not match (within the document itself). Please provide clarification. |  | Reviewer Comment (2022-12-20): Received LOX from CPA<br>Reviewer Comment (2022-12-16): Updated CPA letter provided dated xxxxxx Please provide an LOE from the CPA regarding the multiple CPA letters in file that were incorrect or contain different font types. | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27435379 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27435380 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27435381 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.13480% or Final Disclosure APR of 10.15800% is in excess of allowable threshold of APOR 6.64% + 1.5%, or 8.14000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-12-13): Delivery provided | 12/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27435382 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-12-13): Delivery provided | 12/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27435383 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27435384 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.07902% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .07902%). |  |  | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27435385 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,250.00 exceeds tolerance of $4,200.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-12-15): SitusAMC received COC dated xxxxxx .<br>Reviewer Comment (2022-12-12): SitusAMC received COC dated xxxxxx whereas the loan discount fee increased on xxxxxx for $5250. Kindly provide a valid COC for the fee increased or provide cure documents. Cure documents consist of Post CD,LOX, Copy of refund check and proof of mailing. | 12/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | 27435386 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,500.00 exceeds tolerance of $2,800.00. Insufficient or no cure was provided to the borrower. (8304) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-12-28): SitusAMC Received CD dated xxxxxx along with copy of check, Proof of mailing and LOE.<br>Reviewer Comment (2022-12-12): SitusAMC received COC dated xxxxxx stating recording fee are increased based on need to record additional unanticipated documents such as release of prior lien . Kindly provide a valid reason as to why the fee increased along with supporting documents or provide cure documents. Cure documents consist of Post CD, LOX, Copy of refund check and proof of mailing . |  | 12/28/2022 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779701 | xxxxxx | 27443798 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Per guidelines, up to 3 NSF fees are allowed in the prior 12 months. Per the bank statements provided, borrower had 15 NSF fees in the prior 12 months. Loan file contains investor exception request. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779701 | xxxxxx | 27444035 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779701 | xxxxxx | 27444053 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Credit report is dated xxxxxx , which is more than 90 days prior to the Note signature date of xxxxxx . | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors |  |  | 12/13/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779701 | xxxxxx | 27444183 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.00005% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.00005%). |  |  | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779701 | xxxxxx | 27444185 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 8.87850% or Final Disclosure APR of 8.90100% is in excess of allowable threshold of APOR 6.46% + 1.5%, or 7.96000% Compliant Higher Priced Loan. |  |  | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779701 | xxxxxx | 27444186 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM program disclosure not provided. |  | Reviewer Comment (2022-12-13): ARM disclosure provided | 12/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780712 | xxxxxx | 27436477 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | First time homebuyers are required to document a 0x30x12 housing history. Per the final 1003, borrower has been living rent free for the prior 7 years and did not provide a 0x30x12 housing history as required. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780712 | xxxxxx | 27436481 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The HOI policy provided is missing the insurance company name, policy effective dates and coverage amounts. |  | Reviewer Comment (2022-12-09): HOI provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780712 | xxxxxx | 27436494 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780712 | xxxxxx | 27436505 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy effective date is missing from evidence of insurance. |  | HOI policy provided is missing effective date. |  | Reviewer Comment (2022-12-09): HOI provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780712 | xxxxxx | 27436507 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy expiration date is missing from evidence of insurance. |  | HOI policy provided is missing xpiration date. |  | Reviewer Comment (2022-12-09): HOI provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780712 | xxxxxx | 27436513 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | HOI policy provided is missing coverage amount. |  | Reviewer Comment (2022-12-09): HOI provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780574 | xxxxxx | 27449355 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file |  | Reviewer Comment (2022-12-20): Received<br>Reviewer Comment (2022-12-14): Estimate Statement was provided. Provide the final, signed/stamped settlement statement. | 12/20/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27449533 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Must be dated at closing |  | Reviewer Comment (2022-12-20): Received<br>Reviewer Comment (2022-12-15): There is no Guarantor Agreement in file. Please provide the GA. | 12/20/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27449597 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Evidence of Title is missing from file. |  | Reviewer Comment (2022-12-14): Prelim provided | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27449603 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27449625 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $1,239,729.91 is greater than Guideline total cash-out of $1,000,000.00. | Investor exception in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27452034 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | 2 Trusts are owners of the Borrowing Entity. Provide the trust agreements/cert of trust for The xxxxxx and The xxxxxx Trust. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-21): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-14): This does not pertain to authorization to do business. The borrowing entity is owned by 1 Corp, 2 Trusts and 2 individuals. The Trust documents are required to verify ownership. Trust Agreement only provided t xxxxxx. Still required for The xxxxxx Trust. |  |  | 12/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27452040 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide the Cert of Good Standing for the Borrowing Entity. |  | Reviewer Comment (2022-12-14): COGS provided | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27452051 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Provide the EIN for xxxxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-21): Waived with compensating factors per investor request. |  |  | 12/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27452065 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx % of Business Ownership: 98.00% | Per guidelines, all members must be on the loan. The Borrowing Entity is owned by 1 Corporation, 2 Trusts, and 2 Individuals. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-21): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-14): This does not pertain to authorization to do business. The borrowing entity is owned by 1 Corp, 2 Trusts and 2 individuals. The 2 individuals are not on the loan. The guidelines require all members to be on the loan and provide credit documents. |  |  | 12/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27452091 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the receipt of current year franchise tax payment or clear search for xxxxxx |  | Reviewer Comment (2022-12-21): Received<br>Reviewer Comment (2022-12-20): Document provided is the statement of information for xxxxxx and does not indicate that current year franchise tax has been paid or that business is in good standing.<br>Reviewer Comment (2022-12-15): There were no new documents provided for this condition nor is there a Cert of Good Standing in the file for this business. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780574 | xxxxxx | 27452219 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects Tenant Occupied. A property cannot be considered vacant due to a lease not being able to be obtained. This is a guideline requirement. |  | Reviewer Comment (2022-12-20): Received | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 781260 | xxxxxx | 27452960 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781260 | xxxxxx | 27453040 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The appraisal and CDA reflect Crl vs Cir or Circle |  | Reviewer Comment (2022-12-21): Received<br>Reviewer Comment (2022-12-19): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Valuation Type: Appraisal / Valuation Report Date: xxxxxx , Valuation Type: Desk Review / Valuation Report Date: xxxxxx <br>Reviewer Comment (2022-12-19): Received updated appraisal. Still need corrected CDA. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781260 | xxxxxx | 27453397 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The document is not completed (i.e. where loan amount should be just says Loan Amount, etc) |  | Reviewer Comment (2022-12-19): Received | 12/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781405 | xxxxxx | 27455880 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2022-12-13): Supplemental report provided | 12/13/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781405 | xxxxxx | 27455898 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-09): Client elects to waive |  |  | 12/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781402 | xxxxxx | 27454752 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-15): The disbursement date on the Final CD is xxxxxx . There is a PC-CD in file with a disbursement date of xxxxxx however the file does not contain the final, signed/stamped certified settlement statement to verify.<br>Reviewer Comment (2022-12-14): The HOI provided is dated post-closing and not acceptable. Provide the policy that was in effect at time of closing. |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781402 | xxxxxx | 27455021 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-14): Supplement provided | 12/14/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781402 | xxxxxx | 27455022 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-09): Client elects to waive |  |  | 12/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781402 | xxxxxx | 27455060 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | No evidence of rate lock date in file. |  | Reviewer Comment (2022-12-09): Client elects to waive |  |  | 12/09/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781875 | xxxxxx | 27454695 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-09): Client elects to waive |  |  | 12/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781875 | xxxxxx | 27467371 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | First high risk red flag was not cleared/addressed. |  | Reviewer Comment (2022-12-14): Cleared report provided | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 780531 | xxxxxx | 27473655 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-13): Client elects to waive |  |  | 12/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780531 | xxxxxx | 27473752 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-12-28): County tax rate provided<br>Reviewer Comment (2022-12-28): The property is a new construction and taxes included in the DTI cannot be on the land only. The last comments by the seller on xxxxxx reflect taxes are xxxxxx annually. The taxes on the Final CD were calculated at xxxxxx annually (or xxxxxx/month). We need evidence as to how the lender calculated the taxes reflected on the Final CD as the amount reflected on the tax cert is xxxxxx annually (which appears to be for the land only).<br>Reviewer Comment (2022-12-19): Tax certificate provided does not match the annual property taxes used at origination. Subject is a new construction. Please provide documentation on how lender calculated $xxxxxx in annual property taxes, as the amount shown on the certificate provided reflects xxxxxx annually. | 12/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780531 | xxxxxx | 27473836 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: xxxxxx | Bank statement provided for account ending #1556 is more than 90 days old. Per age of credit docs, assets must be valid for 90 days. |  | Reviewer Comment (2022-12-19): Received | 12/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780531 | xxxxxx | 27473845 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-12-19): Received | 12/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780531 | xxxxxx | 27473863 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.27557% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .27557%). |  |  | Reviewer Comment (2022-12-13): Client elects to waive |  |  | 12/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780531 | xxxxxx | 27473866 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for 1004D Fee. Fee Amount of $200.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. (7543) | Zero percent tolerance exceeded. |  | Reviewer Comment (2022-12-12): Sufficient Cure Provided At Closing |  | 12/12/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780531 | xxxxxx | 27477766 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Per the LOE in file, borrower lives rent free as well as borrower has not owned any property within the past 36 months and is a FTHB. |  | Reviewer Comment (2022-12-19): Received | 12/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781728 | xxxxxx | 27481598 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 6.65 is less than Guideline PITIA months reserves of 12.00. | Per guidelines, loans with 90% LTV require 12 months reserves. Borrower's verified reserves are 6.65 months. Loan file contains lender exception request; however, all exception requests must come from the Investor. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-22): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-21): All exception requests must come from the Investor. |  |  | 12/22/2022 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781728 | xxxxxx | 27481606 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate address indicates an "xxxxxx" prior to subject property street name; however, this does not match the Note address that reflects just the street name. |  | Reviewer Comment (2022-12-20): Received | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781728 | xxxxxx | 27481609 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-13): Client elects to waive |  |  | 12/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781728 | xxxxxx | 27481631 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.73524% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .73524%). |  |  | Reviewer Comment (2022-12-13): Client elects to waive |  |  | 12/13/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781647 | xxxxxx | 27496414 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-16): Client elects to waive |  |  | 12/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 782145 | xxxxxx | 27503232 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-16): Client elects to waive |  |  | 12/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 782141 | xxxxxx | 27502525 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-16): Client elect to waive |  |  | 12/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 781721 | xxxxxx | 27514567 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.04348% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .04348%). |  |  | Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781721 | xxxxxx | 27514568 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list of homeownership counseling organization provided does not reflect a list update. |  | Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781721 | xxxxxx | 27514618 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-22): Client elects to waive<br>Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/22/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781721 | xxxxxx | 27514702 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-22): Received final title | 12/22/2022 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781721 | xxxxxx | 27514849 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within CA and does not reflect a coverage amount, no fial title policy in file. Unable to determine if an appropriate coverage is provided. |  | Reviewer Comment (2022-12-22): Received final title | 12/22/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781721 | xxxxxx | 27514899 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $183,466.55 is less than Cash From Borrower $183,501.27. | The total available asset provided is insufficient to cover the cash from borrower for closing cost. |  | Reviewer Comment (2022-12-22): Received POC appraisal invoice | 12/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781721 | xxxxxx | 27514919 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrowers three days prior to consummation. |  | Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782142 | xxxxxx | 27507936 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-16): Client elects to waive |  |  | 12/21/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 782044 | xxxxxx | 27511509 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782044 | xxxxxx | 27513613 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Loan is a refinance in Texas. If the loan falls under TX 50(a)(6) ensure all requirements are met per the investor. |  |  |  | Reviewer Comment (2023-01-09): TX allowed. All TX conditions cleared/cured/waived<br>Reviewer Comment (2022-12-28): Once all TX conditions on the loan have been cleared, this one will be as well. | 01/09/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782044 | xxxxxx | 27513627 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The homeownership counseling organization provided does not reflect a list update. |  | Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782044 | xxxxxx | 27513628 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  | Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/20/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782044 | xxxxxx | 27515162 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 2.05661% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total xxxxxx on an Original Principal Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 0.05661%.) |  |  | Reviewer Comment (2023-01-09): Received proof of delivery, LOE to borrower, copy of check and PC-CD<br>Reviewer Comment (2023-01-05): The delivery status does not reflect in transit but only package received by fed ex. Will need evidence package is in transit for delivery to cure per previous comments.<br>Reviewer Comment (2023-01-04): Received LOE to borrower, copy of check and mailing label. Provide evidence of delivery or at most in transit. The tracking lookup only reflects label was created.<br>Reviewer Comment (2022-12-29): TX Admin Code 153.5(8) and (13):<br> (8) Charges to Evaluate. Charges an owner or an owner's spouse is required to pay to evaluate the credit decision for an equity loan, that are not interest under §153.1(12) of this title, are fees subject to the two percent limitation. Examples of these charges include fees collected to cover the expenses of a credit report, flood zone determination, tax certificate, inspection, or appraisal management services.<br> \* (13) Exclusion for Appraisal Fee. A fee for an appraisal performed by a third party appraiser is not a fee subject to the two percent limitation. The appraisal must be performed by a person who is not an employee of the lender. \*The excludable appraisal fee is limited to the amount paid to the appraiser for the completion of the appraisal, and <br> does not include an appraisal management services fee described by Texas Occupations Code, §1104.158(a)(2).<br>Reviewer Comment (2022-12-28): The Final CD and fees were reviewed at time of loan review and the condition remains. Fees included in the P&F's calcs are the Appraisal Management Company fee $225 (broken out from invoice), Commitment Fee $1,336.30, Credit Report Fee $34.20, Document Prep Fee $200, Mortgage Broker Fee $5,758.50, Title-Settlement/Escrow Fee $500, and Title - Tax Cert Fee $47.00 |  | 01/09/2023 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781249 | xxxxxx | 27507342 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-16): Client elects to waive |  |  | 12/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 781544 | xxxxxx | 27519172 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The final HUD-1 in the file is not fully legible. Please provide a legible copy of the final HUD-1. |  | Reviewer Comment (2022-12-27): Legible copy provided | 12/27/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 781544 | xxxxxx | 27519248 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require a verification of mortgage for the subject property. The fraud report and HUD-1 shows a mortgage on the subject property. The file is missing the verification of mortgage. |  | Reviewer Comment (2023-01-09): Corrected, executed HUD-1 provided<br>Reviewer Comment (2023-01-09): The corrected HUD-1 is not stamped certified by the title agent or signed.<br>Reviewer Comment (2022-12-27): Please provide the corrected HUD-1 or Final Settlement Statement as the HUD-1 reflects payoff of First Mortgage Loan. | 01/09/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 781544 | xxxxxx | 27519252 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/20/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 780987 | xxxxxx | 27540903 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-27): Client elects to waive |  |  | 12/27/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 781210 | xxxxxx | 27549783 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-01-03): Approval provided | 01/03/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27549793 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27554412 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.02499% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .02499%). |  |  | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27554413 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27554416 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27554418 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt was not provided. |  | Reviewer Comment (2023-01-03): SitusAMC received xxxxxx CD received 3 business days prior to consummation. | 01/03/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27554419 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Evidence of earlier receipt was not provided. |  | Reviewer Comment (2023-01-04): SitusAMC received xxxxxx LE electronicially signed on 11-30-22 | 01/04/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27554422 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7726) | Cure nor valid COC was provided. |  | Reviewer Comment (2023-01-17): SitusAMC received missing SSPL. Upon further review consumer within 0% tolerance requirements. | 01/17/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27558716 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The lender qualified the borrower off their previous 1099 employment. Per the borrower's LOE, they are no longer contracted at xxxxxx and started a new job as of xxxxxx at xxxxxx. No income documentation was provided for this job. Subject to DTI change/additional conditions. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-31): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-01-11): Lender would like to waive<br>Reviewer Comment (2023-01-09): Investor will need to consider waiving with valid comp factors. |  |  | 01/31/2023 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27579786 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | SitusAMC received xxxxxx Initial CD. This CD reflects APR of 9.986%. The subsequent CD is the Final CD and disclosed an APR of 10.413% which changed over .125% and required a 3 business day waiting period prior to closing which was not met. |  | Reviewer Comment (2023-01-10): SitusAMC received xxxxxx Revised CD<br>Reviewer Comment (2023-01-05): SitusAMC received rebuttal that xxxxxx is final CD, xxxxxx CD and disclosure tracking. However, the APR changed over .125% when the xxxxxx Final CD disclosed APR of 10.413%. Prior CD issued xxxxxx disclosed APR of 9.986%. The xxxxxx cD was not received 3 business days prior to the xxxxxx closing date. | 01/10/2023 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781210 | xxxxxx | 27643218 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2023-01-17): Sufficient Cure Provided At Closing |  | 01/17/2023 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778837 | xxxxxx | 27549391 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-28): Client elects to waive |  |  | 12/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 778837 | xxxxxx | 27549409 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 662 is less than Guideline representative FICO score of 680. | Investor exception in file. However, comp factors are incorrect. DSCR is not > 1.30. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-03): Client elects to waive with verified compensation factors |  |  | 01/03/2023 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781502 | xxxxxx | 27548858 | xxxxxx | xxxxxx | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Guideline Issue: Property type not allowed per credit guidelines |  | Per documentation in loan file, subject property is an assisted living facility, which is not allowed per guidelines. Loan file contains investor exception request; however, the compensating factors are not correct. Borrower did not establish an escrow account; therefore, minimum FICO of 720 is required (borrower's score is 749 which is not 30+ points higher) and minimum 12 months reserves (borrower has 18.14 months reserves, which is not more than 10 months the required amount). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-01-03): The exception form comp factors are still incorrect. Minimum reserves requirement is 12 months. Borrower has 18.14 months which is not 10 or more months above the amount required, |  |  | 01/03/2023 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781502 | xxxxxx | 27548907 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing evidence of the xxxxxx 22 payment for borrower's primary residence and the xxxxxx 22 payment for the first and second mortgage being paid off on the subject property. |  | Reviewer Comment (2023-01-05): Supplemental report provided | 01/05/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781502 | xxxxxx | 27548974 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-28): Client elects to waive |  |  | 12/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781834 | xxxxxx | 27555073 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.18132% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .18132%). |  |  | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781834 | xxxxxx | 27555074 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781834 | xxxxxx | 27555075 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 10.78530% or Final Disclosure APR of 10.83600% is in excess of allowable threshold of Prime Mortgage Market Rate 6.61000 + 1.75%, or 8.36000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781834 | xxxxxx | 27555082 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781834 | xxxxxx | 27555093 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx,xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification | The file is missing insurance verification for all of the investment properties. |  | Reviewer Comment (2023-01-05): Property profile reports provided. Vacant land. | 01/05/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782914 | xxxxxx | 27553628 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  | Reviewer Comment (2023-01-05): Flood Insurance provided | 01/05/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782914 | xxxxxx | 27553789 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 779602 | xxxxxx | 27561142 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-30): Client elects to waive |  |  | 12/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779602 | xxxxxx | 27561361 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.98914% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.98914%). |  |  | Reviewer Comment (2022-12-30): Client elects to waive |  |  | 12/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779602 | xxxxxx | 27563553 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.56543% exceeds Guideline total debt ratio of 50.00000%. | Qualifying income is the 12 month average from the total number of 1099's minus the expense factor from the method chosen above. 1 year 1009 provided with a WVOE form the employer. It appears the lender qualified the borrower off 1 year + YTD vs. the guideline requirement of 1 year. | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2023-01-06): Client elects to waive with verified compensation factors |  |  | 01/06/2023 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779602 | xxxxxx | 27563566 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Qualifying income is the 12 month average from the total number of 1099's minus the expense factor from the method chosen above. 1 year 1009 provided with a WVOE form the employer. It appears the lender qualified the borrower off 1 year + YTD vs. the guideline requirement of 1 year. |  | Reviewer Comment (2023-01-06): Client elects to waive with verified compensation factors. Condition no longer applies. | 01/06/2023 |  |  | 1 C A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779602 | xxxxxx | 27563567 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Qualifying income is the 12 month average from the total number of 1099's minus the expense factor from the method chosen above. 1 year 1009 provided with a WVOE form the employer. It appears the lender qualified the borrower off 1 year + YTD vs. the guideline requirement of 1 year. |  | Reviewer Comment (2023-01-06): Client elects to waive with verified compensation factors. Condition no longer applies. | 01/06/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779602 | xxxxxx | 27563568 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.56543% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Qualifying income is the 12 month average from the total number of 1099's minus the expense factor from the method chosen above. 1 year 1009 provided with a WVOE form the employer. It appears the lender qualified the borrower off 1 year + YTD vs. the guideline requirement of 1 year. | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2023-01-06): Client elects to waive with verified compensation factors |  |  | 01/06/2023 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779602 | xxxxxx | 27563585 | xxxxxx | xxxxxx | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | YTD earnings must be documented to support the ongoing receipt of income showing on the 1099s by:<br> o Checks or a single check stub(s) with YTD totals if available, or<br> o Bank statements (YTD).<br> ▪ The YTD earnings from the total of check stubs or the tally of deposits from bank statements must be within 10% or greater than prior year earnings. The lender provided an LOE from the employer with YTD monthly earnings which does not meet the guideline requirement. | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2023-01-06): Client elects to waive with verified compensation factors |  |  | 01/06/2023 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779602 | xxxxxx | 27563613 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | Th COC provided is not valid. It states Appraisal Desktop Review required, however does not state a valid reason as to why. |  | Reviewer Comment (2023-01-09): SitusAMC received LOE and as per associated comment. | 01/09/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779602 | xxxxxx | 27563645 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-01-09): Gap provided | 01/09/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781209 | xxxxxx | 27555282 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Guidelines require the gift letter to state the date the funds were transferred. The gift letter provided does not reflect this information. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2023-01-04): Client elects to waive with verified compensation factors |  |  | 01/04/2023 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781209 | xxxxxx | 27556493 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781209 | xxxxxx | 27556507 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.14404% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of $xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .14404%). |  |  | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781209 | xxxxxx | 27556508 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State Defect | New Jersey Home Loan (Late Charge) | New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. | Per the Note, late fee is charged after 5 days and is 10%. |  | Reviewer Comment (2023-01-12): Client elects to waive<br>Reviewer Comment (2023-01-12): Regraded to xxxxxx due to language in Note which states "unless applicable law requires a lesser amount be charged, in which event such lesser amount shall be substituted".<br>Reviewer Comment (2023-01-12): Loan is currently escalated within the xxxxxx. Once a decision is made, the loan file will be updated. No additional action is required by the seller/investor. |  |  | 01/12/2023 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774918 | xxxxxx | 27555153 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-30): Client elects to waive |  |  | 12/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 774918 | xxxxxx | 27563695 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  | Reviewer Comment (2023-01-09): PPP to the Note provided | 01/09/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | Yes | Property Focused |
| xxxxxx | 774918 | xxxxxx | 27563759 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Cash-Out Seasoning is defined as the time difference between application date of the new loan and the property acquisition date. If the cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or the property's purchase price plus documented improvements. Lender utilized appraised value. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-05): Client elects to waive with verified compensation factors |  |  | 01/05/2023 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 774918 | xxxxxx | 27563772 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the property profile report for xxxxxx to determine length of ownership. If < 12 months, the borrower will not meet the requirements for an experienced investor. |  | Reviewer Comment (2023-01-05): Property profile report provided. Owned since 2019 and sold in 2021. Meets experience requirements. | 01/05/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782393 | xxxxxx | 27557009 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Based on the RCE provided, the replacement cost for subject property is xxxxxx however, the coverage on the HOI policy provided is xxxxxx. Please provide additional coverage or an updated RCE. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2023-01-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-01-06): Updated comments on exception. Dwelling coverage is xxxxxx which is $0.16 short (RCE $ xxxxxx) |  |  | 01/09/2023 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 782393 | xxxxxx | 27557015 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx xxxxxx xxxxxx that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 782317 | xxxxxx | 27554175 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-01-04): Approval provided | 01/04/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782317 | xxxxxx | 27554230 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-30): Client elects to waive |  |  | 12/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782317 | xxxxxx | 27554235 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-01-09): Cleared fraud report provided<br>Reviewer Comment (2023-01-06): High Risk Red flags for Third Party were not cleared.<br>Reviewer Comment (2023-01-04): The same fraud report was provided that was in file at time of review. The condition states the high risk red flags were not addressed/cleared. | 01/09/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782317 | xxxxxx | 27564343 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-01-06): Lender would like to waive<br>Reviewer Comment (2023-01-05): Investor can elect to waive<br>Reviewer Comment (2023-01-04): The investor requires property riders on xxxxxx. Further, being a xxxxxx loan has no bearing on property riders. |  |  | 01/09/2023 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 777931 | xxxxxx | 27563604 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-01-10): Gap Report provided | 01/10/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777931 | xxxxxx | 27563676 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-12-30): Client elects to waive |  |  | 12/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777931 | xxxxxx | 27563731 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.33814% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.33814%). |  |  | Reviewer Comment (2022-12-30): Client elects to waive |  |  | 12/30/2022 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777931 | xxxxxx | 27563732 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $172.00 exceeds tolerance of $86.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Zero percent fee tolerance exceeded; however, sufficient cure was provided at closing. |  | Reviewer Comment (2022-12-30): Sufficient Cure Provided At Closing |  | 12/30/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777931 | xxxxxx | 27563733 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $528.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Zero percent fee tolerance exceeded; however, sufficient cure was provided at closing. |  | Reviewer Comment (2022-12-30): Sufficient Cure Provided At Closing |  | 12/30/2022 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 782479 | xxxxxx | 27557644 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-30): Client elects to waive |  |  | 12/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 782479 | xxxxxx | 27564664 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2023-01-05): Wire ticket provided | 01/05/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 781560 | xxxxxx | 27571828 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | Subject property is a condominium and the required questionnaire was not provided. |  | Reviewer Comment (2023-01-05): HOA questionnaire provided | 01/05/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781560 | xxxxxx | 27571906 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2023-01-03): Client elects to waive |  |  | 01/03/2023 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781560 | xxxxxx | 27571962 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.26424% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .26424%). |  |  | Reviewer Comment (2023-01-03): Client elects to waive |  |  | 01/03/2023 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781560 | xxxxxx | 27571963 | xxxxxx | xxxxxx | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The List was provided; however, it is not dated to determine that it is within 10 days of application. |  | Reviewer Comment (2023-01-03): Client elects to waive |  |  | 01/03/2023 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781560 | xxxxxx | 27571964 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided within Three Days of Application) | New York Subprime Loan: Counseling Disclosure not provided to borrower within three days of application. | Counseling Disclosure not provided to borrower within three days of application. |  | Reviewer Comment (2023-01-03): Client elects to waive |  |  | 01/03/2023 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781560 | xxxxxx | 27571965 | xxxxxx | xxxxxx | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 10.28840% or Final Disclosure APR of 10.32900% is in excess of allowable threshold of Prime Mortgage Market Rate 7.08000 + 1.75%, or 8.83000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2023-01-03): Client elects to waive |  |  | 01/03/2023 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 782859 | xxxxxx | 27579502 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | Full Fraud Report for both borrower's were not provided. |  | Reviewer Comment (2023-01-09): Full report provided | 01/09/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782859 | xxxxxx | 27579512 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-04): Client elects to waive |  |  | 01/04/2023 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782859 | xxxxxx | 27579518 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2023-01-09): FTP provided | 01/09/2023 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782859 | xxxxxx | 27579658 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2023-01-09): FTP provided | 01/09/2023 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782859 | xxxxxx | 27579814 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-04): Client elects to waive with verified compensation factors |  |  | 01/04/2023 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781215 | xxxxxx | 27580008 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2023-01-04): Client elects to waive |  |  | 01/04/2023 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781215 | xxxxxx | 27580012 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx | Per guidelines, Foreign National borrowers are required to set up ACH payments with a xxxxxx Account. Loan file does not contain evidence ACH was set up on the subject transaction as required. |  | Reviewer Comment (2023-01-11): ACH provided<br>Reviewer Comment (2023-01-10): Please provide a clear copy. Characters are transposed over data. | 01/11/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 781215 | xxxxxx | 27580019 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: 0530 | Guidelines require assets to be sourced and seasoned for 60 days. Loan file only contains one month statement for xxxxxx account 0530. Please provide additional statement. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2023-01-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-01-12): Lender would like to waive<br>Reviewer Comment (2023-01-11): This is guideline specific. The investor can elect to waive with verified compensation factors. |  |  | 01/18/2023 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782810 | xxxxxx | 27582567 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-05): Client elects to waive |  |  | 01/05/2023 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 783008 | xxxxxx | 27582686 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-01-11): 1008 w. UW name provided | 01/11/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 783008 | xxxxxx | 27582695 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-05): Client elects to waive |  |  | 01/05/2023 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 782463 | xxxxxx | 27613379 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-12): Client elects to waive |  |  | 01/12/2023 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 783062 | xxxxxx | 27647153 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2023-01-20): Fraud Report provided | 01/20/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 783062 | xxxxxx | 27647154 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-01-23): Gap provided | 01/23/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 783062 | xxxxxx | 27647477 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on sponsor approved guidelines that may not have been used for origination | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2023-01-19): Client elects to waive |  |  | 01/19/2023 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |

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## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](tm238032d1_situsamc.gif)

**Rating Agency Grades**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **Scope** |
| xxxxxx | 756404 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 759251 | xxxxxx | xxxxxx | xxxxxx C D B A | Property Focused |
| xxxxxx | 759764 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 761372 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 760877 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 760795 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 766380 | xxxxxx | xxxxxx | xxxxxx A | Property Focused |
| xxxxxx | 766346 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 766446 | xxxxxx | xxxxxx | xxxxxx A | Property Focused |
| xxxxxx | 766437 | xxxxxx | xxxxxx | xxxxxx A | Property Focused |
| xxxxxx | 766472 | xxxxxx | xxxxxx | xxxxxx A | Property Focused |
| xxxxxx | 766448 | xxxxxx | xxxxxx | xxxxxx C D A | Property Focused |
| xxxxxx | 767572 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 767422 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 768345 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 768342 | xxxxxx | xxxxxx | xxxxxx D A B | Property Focused |
| xxxxxx | 767846 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 768902 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 768903 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 769156 | xxxxxx | xxxxxx | xxxxxx D A B | Property Focused |
| xxxxxx | 769474 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 767531 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 768904 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | xxxxxx | xxxxxx D C A B | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | xxxxxx | xxxxxx C B D A | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 769811 | xxxxxx | xxxxxx | xxxxxx D B A | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 768908 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 766855 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 771000 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 771652 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 771684 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 771429 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 771564 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 771505 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 772501 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773420 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 770857 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 773309 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 771721 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773463 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 772550 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773468 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 771096 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 769373 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 772151 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 773867 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 772355 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773495 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773151 | xxxxxx | xxxxxx | xxxxxx B C A | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773401 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 772586 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 772357 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774147 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 771338 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773424 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 774132 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 772291 | xxxxxx | xxxxxx | xxxxxx C D A B | Mortgagor Focused |
| xxxxxx | 774252 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 771949 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773988 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773006 | xxxxxx | xxxxxx | xxxxxx D B A | Mortgagor Focused |
| xxxxxx | 770452 | xxxxxx | xxxxxx | xxxxxx A | Mortgagor Focused |
| xxxxxx | 773927 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 771416 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 773959 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 771875 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 772241 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773790 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 771335 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773863 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773515 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773432 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 774165 | xxxxxx | xxxxxx | xxxxxx B C A | Mortgagor Focused |
| xxxxxx | 773852 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773519 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 772970 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773896 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | xxxxxx | xxxxxx A C D B | Mortgagor Focused |
| xxxxxx | 773101 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 774120 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773621 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | xxxxxx | xxxxxx D C A B | Mortgagor Focused |
| xxxxxx | 773225 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773906 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773099 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 773989 | xxxxxx | xxxxxx | xxxxxx D A | Property Focused |
| xxxxxx | 774184 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775037 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 776146 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 774832 | xxxxxx | xxxxxx | xxxxxx D C A | Mortgagor Focused |
| xxxxxx | 773801 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 773395 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776160 | xxxxxx | xxxxxx | xxxxxx A | Property Focused |
| xxxxxx | 774740 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773928 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773899 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 773159 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 775690 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774051 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774188 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774957 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 774709 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 774253 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774880 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 773220 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 775165 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776135 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | xxxxxx | xxxxxx D A B | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 772708 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775046 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | xxxxxx | xxxxxx C D B A | Mortgagor Focused |
| xxxxxx | 775846 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773903 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773741 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 776449 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776439 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 775574 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773699 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | xxxxxx | xxxxxx C D A B | Mortgagor Focused |
| xxxxxx | 773100 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775906 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 776143 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 773014 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 774106 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 775949 | xxxxxx | xxxxxx | xxxxxx B A D | Mortgagor Focused |
| xxxxxx | 774936 | xxxxxx | xxxxxx | xxxxxx B D A | Mortgagor Focused |
| xxxxxx | 774930 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774255 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 776140 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776153 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 775508 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 775499 | xxxxxx | xxxxxx | xxxxxx B C A | Mortgagor Focused |
| xxxxxx | 775943 | xxxxxx | xxxxxx | xxxxxx C D A | Property Focused |
| xxxxxx | 775573 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773642 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775308 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775866 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775667 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776295 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776085 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 771756 | xxxxxx | xxxxxx | xxxxxx A | Mortgagor Focused |
| xxxxxx | 775834 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 775704 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776367 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 775742 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 773433 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 774905 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 775983 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 774644 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 774728 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776578 | xxxxxx | xxxxxx | xxxxxx D B A | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | xxxxxx | xxxxxx D C A B | Mortgagor Focused |
| xxxxxx | 776018 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777269 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777264 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776495 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 774019 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 775820 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 774996 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775255 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 777140 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 775378 | xxxxxx | xxxxxx | xxxxxx D B A | Mortgagor Focused |
| xxxxxx | 776117 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 776090 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 775734 | xxxxxx | xxxxxx | xxxxxx A | Mortgagor Focused |
| xxxxxx | 776271 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 776486 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 775856 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 775303 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776046 | xxxxxx | xxxxxx | xxxxxx C B A | Property Focused |
| xxxxxx | 776467 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776967 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776543 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 773285 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 774952 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777493 | xxxxxx | xxxxxx | xxxxxx A | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776544 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777212 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 774906 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | xxxxxx | xxxxxx D C A B | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776482 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 778232 | xxxxxx | xxxxxx | xxxxxx D A B | Property Focused |
| xxxxxx | 778018 | xxxxxx | xxxxxx | xxxxxx C B D A | Mortgagor Focused |
| xxxxxx | 778070 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 777938 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 778330 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 776522 | xxxxxx | xxxxxx | xxxxxx A | Mortgagor Focused |
| xxxxxx | 777466 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777675 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 778484 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 775715 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 777940 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 776829 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 775474 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 778030 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 778569 | xxxxxx | xxxxxx | xxxxxx C B D A | Mortgagor Focused |
| xxxxxx | 777911 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 772143 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777419 | xxxxxx | xxxxxx | xxxxxx A | Mortgagor Focused |
| xxxxxx | 777656 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 776194 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 778028 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 777065 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777817 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 775712 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 777539 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 778149 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 775730 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777439 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778890 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 776564 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 777519 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776513 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 775719 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 777102 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777532 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779103 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776983 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 777531 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 778566 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 778105 | xxxxxx | xxxxxx | xxxxxx A C | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779015 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 778864 | xxxxxx | xxxxxx | xxxxxx A C D B | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777542 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778367 | xxxxxx | xxxxxx | xxxxxx A C | Property Focused |
| xxxxxx | 777298 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 778125 | xxxxxx | xxxxxx | xxxxxx A | Property Focused |
| xxxxxx | 776842 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | xxxxxx | xxxxxx C D A B | Mortgagor Focused |
| xxxxxx | 775585 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777485 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 778106 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 777117 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778466 | xxxxxx | xxxxxx | xxxxxx A | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777663 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778066 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778857 | xxxxxx | xxxxxx | xxxxxx B C A | Mortgagor Focused |
| xxxxxx | 777695 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 777807 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779506 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778928 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 778951 | xxxxxx | xxxxxx | xxxxxx C A D | Mortgagor Focused |
| xxxxxx | 778167 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 777411 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779533 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 777824 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779227 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777810 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 777132 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778366 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779128 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 778208 | xxxxxx | xxxxxx | xxxxxx A C | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 778679 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 779643 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 778547 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 779597 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778409 | xxxxxx | xxxxxx | xxxxxx B C A | Mortgagor Focused |
| xxxxxx | 778869 | xxxxxx | xxxxxx | xxxxxx A B | Mortgagor Focused |
| xxxxxx | 778319 | xxxxxx | xxxxxx | xxxxxx B C A | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 777363 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779467 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779703 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 777870 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780188 | xxxxxx | xxxxxx | xxxxxx A C B | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779822 | xxxxxx | xxxxxx | xxxxxx C A | Property Focused |
| xxxxxx | 778692 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779509 | xxxxxx | xxxxxx | xxxxxx C A | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779091 | xxxxxx | xxxxxx | xxxxxx C B A | Property Focused |
| xxxxxx | 779236 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779256 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779099 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778990 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779579 | xxxxxx | xxxxxx | xxxxxx B C A | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779170 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779474 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 777820 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778322 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779010 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 779780 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780204 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 780161 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 775090 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780339 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778440 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 778887 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779592 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 779260 | xxxxxx | xxxxxx | xxxxxx C B | Property Focused |
| xxxxxx | 779129 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778907 | xxxxxx | xxxxxx | xxxxxx D A B | Property Focused |
| xxxxxx | 779181 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780693 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 775286 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779795 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 780703 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 778559 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 777125 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779560 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 778147 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 779243 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780133 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779598 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 778210 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779111 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779764 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | xxxxxx | xxxxxx C B | Mortgagor Focused |
| xxxxxx | 780519 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780742 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | xxxxxx | xxxxxx C D B A | Mortgagor Focused |
| xxxxxx | 779255 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | xxxxxx | xxxxxx D B A | Mortgagor Focused |
| xxxxxx | 779754 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779565 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 779225 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780113 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780689 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 780599 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779802 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 779642 | xxxxxx | xxxxxx | xxxxxx B D A | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | xxxxxx | xxxxxx D B A | Mortgagor Focused |
| xxxxxx | 779011 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 780143 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 781254 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780059 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780065 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780043 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779978 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779960 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780054 | xxxxxx | xxxxxx | xxxxxx D A B | Property Focused |
| xxxxxx | 780058 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779948 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779928 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780041 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779906 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780031 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780008 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780007 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779935 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780064 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779941 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779984 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779908 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779920 | xxxxxx | xxxxxx | xxxxxx D A B | Property Focused |
| xxxxxx | 780005 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779997 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780010 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780056 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780724 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778336 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780131 | xxxxxx | xxxxxx | xxxxxx C D B A | Property Focused |
| xxxxxx | 781046 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780623 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 781230 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | xxxxxx | xxxxxx C D B A | Mortgagor Focused |
| xxxxxx | 781225 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 781567 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780518 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779532 | xxxxxx | xxxxxx | xxxxxx B D A | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | xxxxxx | xxxxxx D C A B | Mortgagor Focused |
| xxxxxx | 780748 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 781856 | xxxxxx | xxxxxx | xxxxxx C D B A | Property Focused |
| xxxxxx | 781507 | xxxxxx | xxxxxx | xxxxxx C D B A | Mortgagor Focused |
| xxxxxx | 781896 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779498 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780593 | xxxxxx | xxxxxx | xxxxxx D B A | Property Focused |
| xxxxxx | 780804 | xxxxxx | xxxxxx | xxxxxx D B A | Mortgagor Focused |
| xxxxxx | 781057 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780727 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 781136 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 779701 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780712 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 780574 | xxxxxx | xxxxxx | xxxxxx D A B | Property Focused |
| xxxxxx | 781260 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 781405 | xxxxxx | xxxxxx | xxxxxx B A | Mortgagor Focused |
| xxxxxx | 781402 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 781875 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 780531 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 781728 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 781647 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 782145 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 782141 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 781721 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 782142 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 782044 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 781249 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 781544 | xxxxxx | xxxxxx | xxxxxx D A B | Property Focused |
| xxxxxx | 780987 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 781210 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 778837 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 781502 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 781834 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 782914 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 779602 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 781209 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 774918 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 782393 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |
| xxxxxx | 782317 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 777931 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 782479 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 781560 | xxxxxx | xxxxxx | xxxxxx C B A | Mortgagor Focused |
| xxxxxx | 782859 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 781215 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 782810 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 783008 | xxxxxx | xxxxxx | xxxxxx C A B | Property Focused |
| xxxxxx | 782463 | xxxxxx | xxxxxx | xxxxxx B A | Property Focused |
| xxxxxx | 783062 | xxxxxx | xxxxxx | xxxxxx C A B | Mortgagor Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR Diligence Report**

![](tm238032d1_situsamc.gif)

**QM-ATR Diligence Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 756404 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 759764 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 761372 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 760877 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 760795 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 761498 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 767422 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 767846 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 767423 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 768904 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 767559 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770286 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 768168 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 769811 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 769829 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 768908 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 766855 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771652 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771684 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 768428 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771429 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 771564 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771637 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771505 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772501 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 770857 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772558 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771721 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772550 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 769373 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 773867 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772355 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773495 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772202 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773151 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772893 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773494 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772586 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772357 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774147 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774148 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773386 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773393 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 769625 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771338 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774132 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772291 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774252 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771949 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773988 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773006 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770452 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773927 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774548 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773959 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771875 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772241 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771335 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 769032 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773863 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772648 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773515 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774165 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773852 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773519 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772970 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772864 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773896 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773681 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773101 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774120 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773621 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773227 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774182 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773225 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773906 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774116 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 773099 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774167 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774184 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775037 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775521 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774096 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774832 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773801 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773395 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770377 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774740 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775459 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773928 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774912 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773899 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773159 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775690 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774051 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774188 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774957 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774709 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774253 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774880 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775165 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775415 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776135 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775160 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774491 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776458 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772708 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775046 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772968 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775846 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773903 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773741 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776449 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775574 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773289 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773699 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775167 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773100 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773014 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774106 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770413 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775949 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774936 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774930 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774255 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776140 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774673 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775508 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775499 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775573 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773642 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776087 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775308 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774122 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775866 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775667 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776295 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776085 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771756 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775834 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775904 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775704 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775742 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773433 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 773638 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775983 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774644 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774728 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776578 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772859 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777079 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776018 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775733 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777269 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777264 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777257 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774019 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775820 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774999 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774996 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777140 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775378 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776117 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776360 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777069 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776090 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775734 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776271 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772590 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776486 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775303 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776467 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776967 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776543 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773285 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774952 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777493 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773291 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776544 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777623 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776020 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777212 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774906 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774549 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776347 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776482 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776538 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778018 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778070 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778330 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776522 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777466 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777675 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778484 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775715 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777940 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776829 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775474 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778569 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777911 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772143 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777419 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777656 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778028 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777065 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777538 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777817 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775712 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777539 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778149 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777316 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775730 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777439 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777519 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776513 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777102 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779103 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777180 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776983 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777145 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777531 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778105 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778064 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777339 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778864 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776839 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777542 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779041 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777915 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778178 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778056 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776842 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777593 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775585 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776556 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777359 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777485 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778106 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777117 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778466 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778563 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773994 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777663 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778066 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778857 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777695 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777807 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776642 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778035 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779506 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778928 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779564 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778951 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778167 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777411 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779059 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777824 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779252 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779227 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777132 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778366 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779128 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778208 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776011 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778679 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779643 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778547 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777657 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779597 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778409 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778869 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778319 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777177 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777363 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779467 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777870 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778422 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779012 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776199 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780188 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779278 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778692 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775947 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779106 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779509 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777658 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779236 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779540 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779256 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778555 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779099 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779579 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779436 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779170 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780461 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777165 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779692 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777820 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779010 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780161 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779727 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778986 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780339 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778440 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778887 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779592 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779129 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779511 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779181 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779795 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778559 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777125 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778508 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779560 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778147 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779243 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780133 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779598 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779745 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778072 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778210 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779111 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780635 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779764 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779014 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779756 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780519 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781139 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780742 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779446 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779255 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779749 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780579 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779754 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779565 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780425 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780113 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780689 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779705 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780599 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779531 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779802 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779642 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778865 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779011 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780143 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781254 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780724 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778336 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777701 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780630 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781046 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780623 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781230 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780433 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781225 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781567 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780518 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779532 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780596 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780196 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781507 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780804 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 781057 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781136 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780911 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779701 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780712 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781405 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781402 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780531 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781728 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781721 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 782044 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781210 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781834 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779602 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781209 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 782393 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777931 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781560 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 783062 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC Valuation Report**

![](tm238032d1_situsamc.gif)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Scope** |
| xxxxxx | 756404 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2021 | 08/20/2021 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 759251 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/09/2021 | 08/04/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/21/2021 | 08/04/2021 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 759764 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2021 | 09/28/2021 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 | Mortgagor Focused |
| xxxxxx | 761372 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/15/2020 | 10/13/2020 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 | Mortgagor Focused |
| xxxxxx | 760877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/29/2021 | 09/22/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/28/2021 | 09/22/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 760795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/02/2021 | 11/01/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/08/2021 | 11/01/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/14/2021 | 11/13/2021 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 766380 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/25/2022 | 01/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/20/2022 | 01/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 766346 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/29/2021 | 12/20/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/26/2022 | 12/20/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.80 | Property Focused |
| xxxxxx | 766446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/13/2022 | 12/21/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/26/2022 | 12/21/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | Property Focused |
| xxxxxx | 766437 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/18/2022 | 01/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/18/2022 | 01/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 766472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/21/2022 | 01/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/28/2022 | 01/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 766448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/31/2021 | 12/29/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/02/2022 | 12/29/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 767572 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/21/2022 | 02/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 02/24/2022 | 02/08/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 767422 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2022 | 02/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 02/27/2022 | 02/27/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 | Mortgagor Focused |
| xxxxxx | 768345 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/23/2022 | 01/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/09/2022 | 01/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 768342 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/17/2022 | 01/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/03/2022 | 01/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 767846 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/21/2022 | 02/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 02/08/2022 | 02/04/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/03/2022 | 01/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 | Mortgagor Focused |
| xxxxxx | 768902 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  | Property Focused |
| xxxxxx | 768903 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  | Property Focused |
| xxxxxx | 769156 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  | Property Focused |
| xxxxxx | 769474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/27/2022 | 02/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/07/2022 | 02/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 767531 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2022 | 01/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 02/23/2022 | 01/29/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.90 | Property Focused |
| xxxxxx | 768904 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2022 | 03/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 04/06/2022 | 03/30/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/15/2022 | 03/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/18/2022 | 03/06/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.90 | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/12/2022 | 03/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/10/2022 | 03/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/16/2022 | 02/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 769811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/12/2022 | 04/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2022 | 03/31/2022 | Appraisal | xxxxxx | xxxxxx | 3.825% | 03/23/2022 | 03/15/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 768908 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2022 | 04/12/2022 | Appraisal | xxxxxx | xxxxxx | -2.062% | 05/02/2022 | 04/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.90 | Mortgagor Focused |
| xxxxxx | 766855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/15/2022 | 01/31/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 771000 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/26/2022 | 05/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/27/2022 | 05/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 | Property Focused |
| xxxxxx | 771652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2022 | 05/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/25/2022 | 05/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 771684 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2022 | 04/28/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/09/2022 | 03/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 04/03/2022 | 03/01/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 | Mortgagor Focused |
| xxxxxx | 771429 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2022 | 05/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 771564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/24/2022 | 05/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/18/2022 | 05/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/24/2022 | 05/18/2022 | Field Review | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -30.769% | Proteck Valuation Intelligence | High | 05/19/2022 | 05/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 | Mortgagor Focused |
| xxxxxx | 771505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2022 | 05/27/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | Mortgagor Focused |
| xxxxxx | 772501 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/14/2022 | 06/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | Mortgagor Focused |
| xxxxxx | 773420 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2022 | 05/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/01/2022 | 05/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.20 | Property Focused |
| xxxxxx | 770857 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2022 | 05/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/26/2022 | 05/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/01/2022 | 05/31/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/20/2022 | 04/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Property Focused |
| xxxxxx | 771721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2022 | 04/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773463 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2022 | 04/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 04/27/2022 | 04/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.00 | Property Focused |
| xxxxxx | 772550 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/21/2022 | 06/17/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 773468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/07/2022 | 06/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Property Focused |
| xxxxxx | 771096 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2022 | 06/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/24/2022 | 06/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 769373 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2022 | 04/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/02/2022 | 04/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 772151 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  | Property Focused |
| xxxxxx | 773867 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/01/2022 | 05/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/26/2022 | 05/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 772355 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2022 | 06/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 | Mortgagor Focused |
| xxxxxx | 773495 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2022 | 05/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/16/2022 | 05/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/21/2022 | 05/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/15/2022 | 05/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 773151 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/25/2022 | 05/24/2022 | Appraisal | xxxxxx | xxxxxx | -5.833% | 06/24/2022 | 05/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.80 | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2022 | 06/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2022 | 06/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/07/2022 | 06/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 773401 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2022 | 06/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 | Property Focused |
| xxxxxx | 772586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/20/2022 | 04/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/22/2022 | 04/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 | Mortgagor Focused |
| xxxxxx | 772357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/26/2022 | 05/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/31/2022 | 05/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.00 | Mortgagor Focused |
| xxxxxx | 774147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2022 | 05/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/07/2022 | 05/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2022 | 05/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2022 | 06/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/17/2022 | 06/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.50 | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/28/2022 | 06/24/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/26/2022 | 04/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/03/2022 | 04/25/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 771338 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/10/2022 | 05/02/2022 | Appraisal | xxxxxx | xxxxxx | 1.923% | 06/16/2022 | 05/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 773424 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 06/21/2022 | 06/20/2022 | Appraisal | xxxxxx | xxxxxx | 1.728% | 06/30/2022 | 06/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.40 | Property Focused |
| xxxxxx | 774132 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 02/07/2022 | 01/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 | Mortgagor Focused |
| xxxxxx | 772291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 06/22/2022 | 06/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/07/2022 | 06/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 | Mortgagor Focused |
| xxxxxx | 774252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 06/24/2022 | 06/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/27/2022 | 06/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.10 | Mortgagor Focused |
| xxxxxx | 771949 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 06/15/2022 | 06/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773988 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2022 | 06/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/08/2022 | 06/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.90 | Mortgagor Focused |
| xxxxxx | 773006 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/07/2022 | 06/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 | Mortgagor Focused |
| xxxxxx | 770452 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2022 | 06/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 | Mortgagor Focused |
| xxxxxx | 773927 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 06/27/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 06/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/13/2022 | 06/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 771416 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2022 | 06/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 | Property Focused |
| xxxxxx | 773959 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2022 | 06/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 771875 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/15/2022 | 06/09/2022 | Appraisal | xxxxxx | xxxxxx | -9.910% | 06/17/2022 | 06/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 772241 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 06/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/07/2022 | 06/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2022 | 06/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Property Focused |
| xxxxxx | 771335 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/01/2022 | 05/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2022 | 04/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773863 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/15/2022 | 06/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/17/2022 | 06/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.70 | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2022 | 06/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/13/2022 | 06/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 773515 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2022 | 07/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/07/2022 | 07/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 773432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2022 | 06/28/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Property Focused |
| xxxxxx | 774165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/15/2022 | 06/14/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773852 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 07/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/08/2022 | 07/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.20 | Mortgagor Focused |
| xxxxxx | 773519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2022 | 07/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/07/2022 | 07/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 772970 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2022 | 06/17/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 06/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/13/2022 | 06/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 773896 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2022 | 07/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 05/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 773101 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2022 | 06/24/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 | Mortgagor Focused |
| xxxxxx | 774120 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 06/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 | Mortgagor Focused |
| xxxxxx | 773621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2022 | 06/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/16/2022 | 06/11/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2022 | 06/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2022 | 07/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773225 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2022 | 06/27/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 | Mortgagor Focused |
| xxxxxx | 773906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 07/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/13/2022 | 07/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2022 | 07/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/21/2022 | 07/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 | Mortgagor Focused |
| xxxxxx | 773099 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/29/2022 | 06/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 07/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 773989 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 06/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/07/2022 | 06/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 774184 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2022 | 06/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.20 | Mortgagor Focused |
| xxxxxx | 775037 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 06/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/08/2022 | 06/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 07/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 07/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 999.00 | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2022 | 06/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/20/2022 | 06/17/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 | Mortgagor Focused |
| xxxxxx | 776146 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2022 | 05/10/2022 | Appraisal | xxxxxx | xxxxxx | -0.293% | 05/18/2022 | 05/10/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 | Property Focused |
| xxxxxx | 774832 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/16/2022 | 07/16/2022 | Appraisal | xxxxxx | xxxxxx | 5.467% | 07/18/2022 | 07/13/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.80 | Mortgagor Focused |
| xxxxxx | 773801 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/06/2022 | 06/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/13/2022 | 06/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 773395 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/19/2022 | 06/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/27/2022 | 06/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2022 | 06/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/23/2022 | 06/20/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 776160 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 07/08/2022 | 06/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/13/2022 | 06/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 774740 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 07/19/2022 | 07/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/15/2022 | 07/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.80 | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 07/19/2022 | 07/09/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 | Mortgagor Focused |
| xxxxxx | 773928 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 06/27/2022 | 06/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 07/13/2022 | 07/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/18/2022 | 07/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 773899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 07/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/19/2022 | 07/07/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.20 | Mortgagor Focused |
| xxxxxx | 773159 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/28/2022 | 06/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/29/2022 | 06/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 | Mortgagor Focused |
| xxxxxx | 775690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2022 | 06/28/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 774051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 07/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 774188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 07/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 | Mortgagor Focused |
| xxxxxx | 774957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 06/29/2022 | Appraisal |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Mortgagor Focused |
| xxxxxx | 774709 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/20/2022 | 07/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/21/2022 | 07/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.20 | Mortgagor Focused |
| xxxxxx | 774253 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2022 | 07/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 774880 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/04/2022 | 07/03/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773220 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 06/29/2022 | 06/27/2022 | Appraisal | xxxxxx | xxxxxx | 10.109% | 07/07/2022 | 06/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 | Property Focused |
| xxxxxx | 775165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 07/20/2022 | 07/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 07/14/2022 | 07/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/18/2022 | 07/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 776135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 06/10/2022 | 06/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/02/2022 | 06/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 08/01/2022 | 07/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2022 | 07/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/20/2022 | 07/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/21/2022 | 06/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/15/2022 | 06/20/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 | Mortgagor Focused |
| xxxxxx | 772708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 06/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/15/2022 | 06/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 775046 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2022 | 07/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 06/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/13/2022 | 06/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.20 | Mortgagor Focused |
| xxxxxx | 775846 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2022 | 07/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/15/2022 | 07/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 | Mortgagor Focused |
| xxxxxx | 773903 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2022 | 07/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/14/2022 | 07/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773741 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2022 | 06/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/01/2022 | 06/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 776449 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 07/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/11/2022 | 07/01/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 | Mortgagor Focused |
| xxxxxx | 776439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2022 | 06/30/2022 | Appraisal | xxxxxx | xxxxxx | -4.040% | 07/18/2022 | 06/30/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 775574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 07/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2022 | 05/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/29/2022 | 05/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 773699 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2022 | 07/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/12/2022 | 07/05/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.40 | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2022 | 07/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/29/2022 | 07/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 773100 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/06/2022 | 06/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 | Mortgagor Focused |
| xxxxxx | 775906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/26/2022 | 07/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/04/2022 | 07/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Property Focused |
| xxxxxx | 776143 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2022 | 06/15/2022 | Appraisal | xxxxxx | xxxxxx | 0.846% | 06/28/2022 | 06/22/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Pro Teck Valuation Intelligence | Moderate | 07/08/2022 | 06/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 773014 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2022 | 06/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/15/2022 | 06/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 | Mortgagor Focused |
| xxxxxx | 774106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/13/2022 | 07/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/18/2022 | 07/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.80 | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2022 | 05/28/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 | Mortgagor Focused |
| xxxxxx | 775949 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 07/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 774936 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 07/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 774930 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/29/2022 | 07/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/01/2022 | 07/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 774255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/17/2022 | 05/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 776140 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/10/2022 | 07/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 | Mortgagor Focused |
| xxxxxx | 776153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2022 | 07/14/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Property Focused |
| xxxxxx | 775508 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/26/2022 | 07/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 775499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 07/25/2022 | Appraisal | xxxxxx | xxxxxx | -0.858% | 08/01/2022 | 07/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.80 | Mortgagor Focused |
| xxxxxx | 775943 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 07/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/29/2022 | 07/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 | Property Focused |
| xxxxxx | 775573 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/28/2022 | 05/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 773642 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2022 | 04/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 08/01/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 | Mortgagor Focused |
| xxxxxx | 775308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/20/2022 | 07/15/2022 | Appraisal | xxxxxx | xxxxxx | -2.743% | 08/01/2022 | 07/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/10/2022 | 07/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/03/2022 | 07/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 775866 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 07/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 | Mortgagor Focused |
| xxxxxx | 775667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 07/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/22/2022 | 07/11/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 776295 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2022 | 06/27/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 | Mortgagor Focused |
| xxxxxx | 776085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2022 | 06/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 | Mortgagor Focused |
| xxxxxx | 771756 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/15/2022 | 06/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/01/2022 | 06/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 775834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/09/2022 | 08/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/11/2022 | 08/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/22/2022 | 06/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 775704 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2022 | 07/27/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 | Mortgagor Focused |
| xxxxxx | 776367 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/20/2022 | 05/27/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Property Focused |
| xxxxxx | 775742 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2022 | 08/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 | Mortgagor Focused |
| xxxxxx | 773433 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/26/2022 | 07/13/2022 | Appraisal | xxxxxx | xxxxxx | -2.703% | 07/19/2022 | 07/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.00 | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2022 | 06/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 | Mortgagor Focused |
| xxxxxx | 774905 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 06/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/14/2022 | 06/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 775983 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/29/2022 | 05/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/22/2022 | 05/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 774644 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2022 | 07/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 | Mortgagor Focused |
| xxxxxx | 774728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/10/2022 | 08/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 | Mortgagor Focused |
| xxxxxx | 776578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/16/2022 | Appraisal | xxxxxx | xxxxxx | 1.714% | 08/11/2022 | 08/11/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | Moderate | 08/18/2022 | 08/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2022 | 06/09/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2022 | 05/18/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 | Mortgagor Focused |
| xxxxxx | 776018 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2022 | 06/17/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2022 | 07/20/2022 | Appraisal | xxxxxx | xxxxxx | -4.306% | 08/09/2022 | 07/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 | Mortgagor Focused |
| xxxxxx | 777269 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2022 | 04/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 04/20/2022 |  | AVM | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 777264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2022 | 04/12/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/16/2022 | 02/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/08/2022 |  | AVM | xxxxxx | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 776495 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 07/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/11/2022 | 07/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 774019 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2022 | 05/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/09/2022 | 05/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 | Mortgagor Focused |
| xxxxxx | 775820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2022 | 07/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/10/2022 | 07/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2022 | 04/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/04/2022 | 04/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 | Mortgagor Focused |
| xxxxxx | 774996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2022 | 07/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/05/2022 | 07/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 775255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2022 | 07/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/10/2022 | 07/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 | Property Focused |
| xxxxxx | 777140 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2022 | 08/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/23/2022 | 08/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | Mortgagor Focused |
| xxxxxx | 775378 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/09/2022 | 07/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 776117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/20/2022 | 08/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/02/2022 | 07/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2022 | 07/14/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 776090 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 | Mortgagor Focused |
| xxxxxx | 775734 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2022 | 08/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/16/2022 | 08/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 776271 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 06/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/16/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 776486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 | Mortgagor Focused |
| xxxxxx | 775856 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 | Property Focused |
| xxxxxx | 775303 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 07/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/05/2022 | 07/29/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 | Mortgagor Focused |
| xxxxxx | 776046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2022 | 08/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/09/2022 | 08/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Property Focused |
| xxxxxx | 776467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/15/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 776967 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 | Mortgagor Focused |
| xxxxxx | 776543 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/19/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 773285 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2022 | 06/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 774952 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/20/2022 | 07/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 | Mortgagor Focused |
| xxxxxx | 777493 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/17/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/06/2022 | 06/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/07/2022 | 06/30/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 | Mortgagor Focused |
| xxxxxx | 776544 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2022 | 06/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/28/2022 | 06/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/09/2022 | 08/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/22/2022 | 08/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 777212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2022 | 08/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 774906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 07/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/15/2022 | 07/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2022 | 08/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/31/2022 | 08/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 776482 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2022 | 03/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 04/04/2022 | 03/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/06/2022 | 08/05/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 778232 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2022 | 05/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/12/2022 | 05/12/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 778018 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2022 | 08/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/02/2022 | 08/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 | Mortgagor Focused |
| xxxxxx | 778070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2022 | 05/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/31/2022 | 05/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 777938 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/09/2022 | 08/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 778330 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/07/2022 | 02/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/17/2022 | 02/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 776522 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/11/2022 | 08/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/12/2022 | 08/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 777466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 777675 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/06/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 | Mortgagor Focused |
| xxxxxx | 778484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2022 | 05/24/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 | Mortgagor Focused |
| xxxxxx | 775715 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/28/2022 | 08/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/10/2002 | 08/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 777940 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2022 | 08/26/2022 | Appraisal | xxxxxx | xxxxxx | -1.754% | 09/09/2022 | 08/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 776829 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 08/24/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 | Mortgagor Focused |
| xxxxxx | 775474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/24/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | Mortgagor Focused |
| xxxxxx | 778030 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/29/2022 | Appraisal |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Property Focused |
| xxxxxx | 778569 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2022 | 06/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/29/2022 | 06/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 777911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/15/2022 | 08/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/29/2022 | 08/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 772143 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/29/2022 | 07/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/30/2022 | 07/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 | Mortgagor Focused |
| xxxxxx | 777419 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/23/2022 | 08/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 777656 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 776194 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/23/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 | Property Focused |
| xxxxxx | 778028 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 777065 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/22/2022 | 08/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/20/2022 | 08/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/21/2022 | 08/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 777817 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 08/21/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/25/2022 | 08/21/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.40 | Mortgagor Focused |
| xxxxxx | 775712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2022 | 08/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/09/2022 | 08/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.40 | Mortgagor Focused |
| xxxxxx | 777539 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/05/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/08/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 | Mortgagor Focused |
| xxxxxx | 778149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/15/2022 | 09/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/19/2022 | 09/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.40 | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2022 | 08/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/08/2022 | 08/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 775730 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 07/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/24/2022 | 07/27/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 | Mortgagor Focused |
| xxxxxx | 777439 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/29/2022 | 07/13/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 778890 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2022 | 07/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 07/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 776564 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 07/05/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Property Focused |
| xxxxxx | 777519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2022 | 08/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 776513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2022 | 08/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 | Mortgagor Focused |
| xxxxxx | 775719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/10/2022 | Appraisal | xxxxxx | xxxxxx | 10.000% | 08/30/2022 | 08/10/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 10.000% | Clear Capital | Low | 08/17/2022 | 08/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 | Property Focused |
| xxxxxx | 777102 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 777532 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | xxxxxx | -1.203% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.20% |  |  | Property Focused |
| xxxxxx | 779103 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2022 | 05/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | Mortgagor Focused |
| xxxxxx | 776983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 08/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 08/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/09/2022 | 08/04/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 777531 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/02/2022 | 08/27/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.60 | Mortgagor Focused |
| xxxxxx | 778566 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/27/2022 | 09/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Property Focused |
| xxxxxx | 778105 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 08/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/18/2022 | 08/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 09/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/13/2022 | 09/07/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 | Mortgagor Focused |
| xxxxxx | 779015 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 09/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 778864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 09/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/01/2022 | 09/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.70 | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 06/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/22/2022 | 06/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Mortgagor Focused |
| xxxxxx | 777542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/05/2022 | 08/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/08/2022 | 06/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/24/2022 | 06/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 08/31/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 09/15/2022 | 09/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 09/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 09/14/2022 | 09/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 | Mortgagor Focused |
| xxxxxx | 778367 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 09/13/2022 | 08/29/2022 | Appraisal | xxxxxx | xxxxxx | -6.250% | 10/21/2022 | 08/29/2022 | Field Review | xxxxxx |  |  |  |  |  |  |  | $0.00 | xxxxxx | -100.000% | Clear Capital | Indeterminate | 09/20/2022 | 08/29/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 777298 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 09/08/2022 | 09/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/14/2022 | 09/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 | Property Focused |
| xxxxxx | 778125 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 09/22/2022 | 09/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Property Focused |
| xxxxxx | 776842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2022 | 08/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/24/2022 | 08/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 07/18/2022 | Appraisal | xxxxxx | xxxxxx | -2.312% | 09/16/2022 | 07/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 775585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2022 | 08/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/20/2022 | 08/17/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.00 | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/28/2022 | 08/23/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 777485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 778106 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/31/2022 | 08/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 777117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 08/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 | Mortgagor Focused |
| xxxxxx | 778466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 09/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/17/2022 | 09/12/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2022 | 07/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/18/2022 | 07/09/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.70 | Mortgagor Focused |
| xxxxxx | 777663 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 09/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 09/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 778066 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 09/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 | Mortgagor Focused |
| xxxxxx | 778857 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 09/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 | Mortgagor Focused |
| xxxxxx | 777695 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/12/2022 | Appraisal |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Mortgagor Focused |
| xxxxxx | 777807 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 08/24/2022 | Appraisal | xxxxxx | xxxxxx | -6.522% | 09/29/2022 | 08/24/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 09/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/15/2022 | 09/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/16/2022 | 09/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 | Mortgagor Focused |
| xxxxxx | 779506 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 09/27/2022 | Appraisal |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 | Mortgagor Focused |
| xxxxxx | 778928 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 09/20/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/28/2022 | 09/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/29/2022 | 09/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | Mortgagor Focused |
| xxxxxx | 778951 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 09/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/28/2022 | 09/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 778167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/28/2022 | 09/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 | Mortgagor Focused |
| xxxxxx | 777411 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/28/2022 | 07/21/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/28/2022 | 07/21/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2022 | 07/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 | Mortgagor Focused |
| xxxxxx | 779533 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 09/12/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 | Property Focused |
| xxxxxx | 777824 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2022 | 08/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/03/2022 | 08/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/10/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 | Mortgagor Focused |
| xxxxxx | 779227 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/29/2022 | 09/27/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 777810 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/29/2022 | 06/18/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Property Focused |
| xxxxxx | 777132 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2022 | 06/02/2022 | Appraisal | xxxxxx | xxxxxx | 2.125% | 06/15/2022 | 06/02/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.125% | Clear Capital | Low | 09/20/2022 | 06/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.70 | Mortgagor Focused |
| xxxxxx | 778366 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/18/2022 | 09/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/22/2022 | 09/16/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 | Mortgagor Focused |
| xxxxxx | 779128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 09/24/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 | Mortgagor Focused |
| xxxxxx | 778208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/29/2022 | 09/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/30/2022 | 09/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 | Mortgagor Focused |
| xxxxxx | 778679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/28/2022 | 09/22/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 | Mortgagor Focused |
| xxxxxx | 779643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/09/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 | Mortgagor Focused |
| xxxxxx | 778547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/30/2022 | 09/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/04/2022 | 09/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 09/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/19/2022 | 09/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | Mortgagor Focused |
| xxxxxx | 779597 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/24/2022 | 09/21/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/13/2022 | 09/21/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 778409 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 09/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 778869 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 10/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/06/2022 | 10/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 | Mortgagor Focused |
| xxxxxx | 778319 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 09/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 09/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/19/2022 | 08/15/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 777363 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/07/2022 | 09/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/07/2022 | 09/01/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 779467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/07/2022 | 10/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 779703 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 09/15/2022 | Appraisal | xxxxxx | xxxxxx | 27.027% | 09/20/2022 | 09/15/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 777870 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 09/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/22/2022 | 09/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 09/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/14/2022 | 10/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/10/2022 | 10/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/11/2022 | 10/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 | Mortgagor Focused |
| xxxxxx | 780188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 10/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/18/2022 | 10/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.80 | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2022 | 05/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/26/2022 | 05/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 779822 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 08/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/12/2022 | 08/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 | Property Focused |
| xxxxxx | 778692 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 10/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/04/2022 | 10/01/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 08/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/09/2022 | 08/08/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 09/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 | Mortgagor Focused |
| xxxxxx | 779509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/06/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 | Mortgagor Focused |
| xxxxxx | 779091 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/04/2023 | 09/29/2022 | Appraisal | xxxxxx | xxxxxx | 0.775% | 10/19/2022 |  | BPO | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779236 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/29/2022 | 09/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/17/2022 | 10/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/19/2022 | 10/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 779256 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 09/28/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/02/2022 | 09/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/13/2022 | 09/29/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 779099 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/01/2022 | 09/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 778990 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/12/2022 | 10/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/14/2022 | 10/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Property Focused |
| xxxxxx | 779579 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/21/2022 | 10/14/2022 | Appraisal | xxxxxx | xxxxxx | 5.882% | 10/15/2022 | 10/14/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.90 | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/10/2022 | 10/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 | Mortgagor Focused |
| xxxxxx | 779170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/17/2022 | 10/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/22/2022 | 10/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/19/2022 | 10/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 09/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 10/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/20/2022 | 10/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 779474 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 | Property Focused |
| xxxxxx | 777820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 09/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 09/13/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 | Mortgagor Focused |
| xxxxxx | 778322 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/24/2022 | Appraisal | xxxxxx | xxxxxx | 33.333% | 09/29/2022 | 09/23/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 33.333% | Pro Teck Valuation Intelligence | Low | 10/04/2022 | 09/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 | Property Focused |
| xxxxxx | 779010 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 09/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/14/2022 | 09/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 | Mortgagor Focused |
| xxxxxx | 779780 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 10/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/24/2022 | 10/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 | Property Focused |
| xxxxxx | 780204 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 10/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 | Property Focused |
| xxxxxx | 780161 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/10/2022 | 10/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/19/2022 | 10/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/20/2022 | 09/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/14/2022 | 10/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/19/2022 | 10/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 775090 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2022 | 06/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 06/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Property Focused |
| xxxxxx | 780339 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/28/2022 | 10/14/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 778440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 09/18/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 | Mortgagor Focused |
| xxxxxx | 778887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 09/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 09/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 779592 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/12/2022 | 10/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/14/2022 | 10/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 779260 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 09/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Property Focused |
| xxxxxx | 779129 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 09/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/23/2022 | 09/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.30 | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/17/2022 | 10/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 778907 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Property Focused |
| xxxxxx | 779181 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 09/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 | Mortgagor Focused |
| xxxxxx | 780693 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/11/2022 | 07/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/28/2022 | 07/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | Property Focused |
| xxxxxx | 775286 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/19/2022 |  | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/09/2022 | 10/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 | Mortgagor Focused |
| xxxxxx | 780703 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 08/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/12/2022 | 08/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Property Focused |
| xxxxxx | 778559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/23/2022 | 09/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 777125 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/15/2022 | 09/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 09/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/04/2022 | 09/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 | Mortgagor Focused |
| xxxxxx | 779560 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/04/2022 | 10/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 10/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 | Mortgagor Focused |
| xxxxxx | 778147 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/28/2022 | 09/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/13/2022 | 09/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.70 | Mortgagor Focused |
| xxxxxx | 779243 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/20/2022 | 10/17/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 780133 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/11/2022 | 10/09/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 779598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/17/2022 | 10/12/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 09/15/2022 | Appraisal | xxxxxx | xxxxxx | -0.524% | 09/19/2022 | 09/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/30/2022 | 08/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/07/2022 | 08/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 | Mortgagor Focused |
| xxxxxx | 778210 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 09/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/22/2022 | 09/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 779111 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 10/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/24/2022 | 10/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/31/2022 | 10/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/01/2022 | 10/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.20 | Mortgagor Focused |
| xxxxxx | 779764 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/26/2022 | 10/24/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/26/2022 | 10/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/28/2022 | 10/03/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/10/2022 | 08/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 | Mortgagor Focused |
| xxxxxx | 780519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 09/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 10/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 10/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 780742 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/17/2022 | 10/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 10/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 10/14/2022 | 10/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 10/21/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 | Mortgagor Focused |
| xxxxxx | 779255 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 10/07/2022 | 10/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/20/2022 | 10/18/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | Moderate | 10/25/2022 | 10/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5.00 | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 10/13/2022 | 10/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/02/2022 | 10/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 09/22/2022 | 08/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/08/2022 | 08/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | Mortgagor Focused |
| xxxxxx | 779754 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 10/18/2022 | 10/17/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 779565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/14/2022 | 10/13/2022 | Appraisal | xxxxxx | xxxxxx | 1.379% | 10/24/2022 | 10/22/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/24/2022 | 10/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 | Mortgagor Focused |
| xxxxxx | 779225 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 10/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/21/2022 | 10/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 | Property Focused |
| xxxxxx | 780113 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/21/2022 | 10/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 780689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/07/2022 | 11/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/09/2022 | 11/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/15/2022 | 10/05/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 | Mortgagor Focused |
| xxxxxx | 780599 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/25/2022 | 10/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/01/2022 | 10/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/17/2022 | 10/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/01/2022 | 10/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.00 | Mortgagor Focused |
| xxxxxx | 779802 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/24/2022 | 04/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/10/2022 | 04/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 | Mortgagor Focused |
| xxxxxx | 779642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 10/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/20/2022 | 10/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.20 | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/01/2022 | 10/04/2022 | Appraisal | xxxxxx | xxxxxx | -4.167% | 10/13/2022 | 10/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 779011 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/06/2022 | 10/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/17/2022 | 10/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 | Mortgagor Focused |
| xxxxxx | 780143 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/09/2022 | 10/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/01/2022 | 10/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 781254 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/08/2022 | 10/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/06/2022 | 10/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 780059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2022 | 08/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.096% | Red Bell | 08/18/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780065 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2022 | 07/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/22/2022 | 07/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780043 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.396% | Homegenius Red Bell | 08/17/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779978 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 35.700% | Red Bell | 08/26/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779960 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/28/2022 | 08/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.320% |  | 08/31/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780054 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2022 | 05/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 05/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.555% |  | 08/15/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780058 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 08/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.636% | Red Bell | 08/29/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779948 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 09/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 09/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.327% | Red Bell | 09/15/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779928 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 08/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.979% | Red Bell | 09/09/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780041 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 04/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 04/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 7.326% | Red Bell | 09/07/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779906 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 09/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 09/06/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 7.650% | xxxxxx | 09/20/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780031 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 09/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/18/2022 | 09/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.361% |  | 09/19/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780008 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 09/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 09/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -23.208% |  | 09/13/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780007 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 09/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 09/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.407% | Red Bell | 09/15/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779935 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 06/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 06/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.173% | Red Bell | 06/26/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780064 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/24/2022 | 08/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  | 08/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779941 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 08/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.519% | Red Bell | 08/26/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -15.022% | Red Bell Real Estate, LLC | 09/07/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779908 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2022 | 08/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 08/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.748% | Red Bull | 08/25/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779920 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 09/08/2022 | Appraisal | xxxxxx | xxxxxx | -9.091% | 10/25/2022 | 09/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 5.167% | homegenius | 09/15/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 08/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 22.340% | Red Bell | 08/26/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 779997 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.280% | Homegenius | 08/26/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780010 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 08/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.966% | Red Bell Real Estate, LLC | 08/22/2022 |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780056 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  | Property Focused |
| xxxxxx | 780724 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 09/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 | Mortgagor Focused |
| xxxxxx | 778336 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/13/2022 | 10/03/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/09/2022 | 10/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/07/2022 | 10/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/02/2022 | 11/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/04/2022 | 11/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 780131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/11/2022 | 10/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/24/2022 | 10/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Property Focused |
| xxxxxx | 781046 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/24/2022 | 10/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/07/2022 | 10/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 | Mortgagor Focused |
| xxxxxx | 780623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/09/2022 | 11/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 781230 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/27/2022 | 09/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/03/2022 | 09/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/31/2022 | 10/27/2022 | Appraisal | xxxxxx | xxxxxx | 4.439% | 11/07/2022 | 11/04/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | Mortgagor Focused |
| xxxxxx | 781225 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/07/2022 | 10/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/16/2022 | 10/04/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 | Mortgagor Focused |
| xxxxxx | 781567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/10/2022 | 10/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/11/2022 | 10/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 780518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/22/2022 | 11/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/23/2022 | 11/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 | Mortgagor Focused |
| xxxxxx | 779532 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/01/2022 | 10/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/03/2022 | 10/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/12/2022 | 10/28/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/28/2022 | 09/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 09/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 | Mortgagor Focused |
| xxxxxx | 780748 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 09/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/17/2022 | 09/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 781856 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/21/2022 | 10/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/19/2022 | 10/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 781507 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/09/2022 | 11/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/14/2022 | 11/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 781896 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/11/2022 | 11/04/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 | Property Focused |
| xxxxxx | 779498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/06/2022 | 08/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/06/2022 | 08/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Property Focused |
| xxxxxx | 780593 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/28/2022 | 10/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/21/2022 | 10/27/2022 | Field Review | xxxxxx |  |  |  |  |  |  |  | $0.00 | xxxxxx | -100.000% | Clear Capital | Indeterminate | 12/12/2022 | 10/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/02/2022 | 10/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/17/2022 | 10/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 781057 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/17/2022 | 11/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/21/2022 | 11/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 780727 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/12/2022 | 11/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/16/2022 | 11/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Property Focused |
| xxxxxx | 781136 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/07/2022 | 11/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/08/2022 | 11/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/07/2022 | 11/01/2022 | Appraisal | xxxxxx | xxxxxx | -6.667% | 11/16/2022 | 11/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 779701 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/03/2022 | 09/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 | Mortgagor Focused |
| xxxxxx | 780712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/03/2022 | 11/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 780574 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/19/2022 | 09/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/07/2022 | 09/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 781260 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/31/2022 | 10/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/21/2022 | 10/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 | Property Focused |
| xxxxxx | 781405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/10/2022 | 11/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 781402 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/14/2022 | 11/14/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 | Mortgagor Focused |
| xxxxxx | 781875 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/29/2022 | 11/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/23/2022 | 11/02/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 780531 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 10/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 781728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/30/2022 | 11/30/2022 | Appraisal | xxxxxx | xxxxxx | -5.263% | 12/01/2022 | 11/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.10 | Mortgagor Focused |
| xxxxxx | 781647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/30/2022 | 11/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/06/2022 | 11/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 | Property Focused |
| xxxxxx | 782145 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/07/2022 | 12/02/2022 | Appraisal | xxxxxx | xxxxxx | -8.333% | 12/08/2022 | 12/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.70 | Property Focused |
| xxxxxx | 782141 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/06/2022 | 10/10/2022 | Appraisal | xxxxxx | xxxxxx | 1.441% | 11/30/2022 | 10/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.00 | Property Focused |
| xxxxxx | 781721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/28/2022 | 11/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Mortgagor Focused |
| xxxxxx | 782142 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/06/2022 | 10/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/30/2022 | 10/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 | Property Focused |
| xxxxxx | 782044 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/30/2022 | 11/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 | Mortgagor Focused |
| xxxxxx | 781249 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/01/2022 | 10/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 10/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.80 | Property Focused |
| xxxxxx | 781544 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/29/2022 | 11/17/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 | Property Focused |
| xxxxxx | 780987 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/07/2022 | 11/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/14/2022 | 11/04/2022 | Desk Review | Clear Capital |  | xxxxxx | xxxxxx | 56.341% | xxxxxx | 0.18 | 11/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.80 | Property Focused |
| xxxxxx | 781210 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/18/2022 | 11/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/01/2022 | 11/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 778837 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/21/2022 | Appraisal | xxxxxx | xxxxxx | -3.636% | 09/27/2022 | 09/21/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Property Focused |
| xxxxxx | 781502 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 09/19/2022 | Appraisal |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Property Focused |
| xxxxxx | 781834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/04/2022 | 11/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/08/2022 | 11/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 | Mortgagor Focused |
| xxxxxx | 782914 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/21/2022 | 11/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | Property Focused |
| xxxxxx | 779602 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/07/2022 | 10/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/13/2022 | 10/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 | Mortgagor Focused |
| xxxxxx | 781209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/09/2022 | 11/09/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | Mortgagor Focused |
| xxxxxx | 774918 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 10/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/11/2022 | 10/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 | Property Focused |
| xxxxxx | 782393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/11/2022 | 10/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/28/2022 | 10/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Mortgagor Focused |
| xxxxxx | 782317 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/21/2022 | 11/17/2022 | Appraisal | xxxxxx | xxxxxx | -4.412% | 11/23/2022 | 11/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 777931 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/07/2022 | 09/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 09/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 | Mortgagor Focused |
| xxxxxx | 782479 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/25/2022 | 10/18/2022 | Appraisal | xxxxxx | xxxxxx | -8.889% | 11/03/2022 | 10/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 781560 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/07/2022 | 12/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/09/2022 | 12/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 | Mortgagor Focused |
| xxxxxx | 782859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/09/2022 | 12/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 | Property Focused |
| xxxxxx | 781215 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/14/2022 | 11/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 | Property Focused |
| xxxxxx | 782810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/28/2022 | 11/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/05/2022 | 11/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 783008 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/08/2022 | 11/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/19/2022 | 11/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 782463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/26/2022 | 12/15/2022 | Appraisal | xxxxxx | xxxxxx | -0.154% | 12/26/2022 | 12/15/2022 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Property Focused |
| xxxxxx | 783062 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/30/2022 | 12/21/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/29/2022 | 12/21/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC Supplemental Data**

![](tm238032d1_situsamc.gif)

**Supplemental Data**

---

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| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Scope** |
| xxxxxx | 756404 | xxxxxx | Non QM | xxxxxx | Yes | No | $3433.00 | $3795.32 |  | 6.403% | $1446.94 | $1446.94 | 6.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5898.42 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 25.888% | 25.888% | 25.888% | 07/08/2021 | 631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business Expense Statement Letter - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3433.00 |  | 2.820% | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $12750.78 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 759251 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $809.29 | $809.29 | 3.750% | No | No |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/10/2021 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 3.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  | xxxxxx | $72575.37 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 759764 | xxxxxx | Non QM | xxxxxx | Yes | No | $17939.50 | $19816.30 | xxxxxx | 6.805% | $3733.94 | $3733.94 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7059.51 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $450.00 |  | Annually | 42.941% | 42.941% | 42.941% | 09/13/2021 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  | Audited | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Audited P&L - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17939.50 | xxxxxx | 3.060% | $0.00 | 2.2 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 12.00 | No |  |  |  |  |  |  | xxxxxx | $159300.00 | 23.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 761372 | xxxxxx | Non QM | xxxxxx | Yes | No | $7231.46 | $6933.73 | xxxxxx | 3.311% | $4077.89 | $4077.89 | 3.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $32850.74 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $125.00 |  | Monthly | 14.995% | 14.995% | 14.995% | 09/28/2020 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2018<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2017<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2019<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2018<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2017 | [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-T - 2019<br> [Coborrower]; 4506-T - 2018<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-T - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7231.46 | xxxxxx | 2.960% | $0.00 | 2 |  |  |  | N/A | No | 3.250% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $1155215.63 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 760877 | xxxxxx | Non QM | xxxxxx | Yes | No | $10989.00 | $14899.16 | xxxxxx | 5.188% | $2048.04 | $2048.04 | 4.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9439.41 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.608% | 40.608% | 40.608% | 09/17/2021 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10989.00 | xxxxxx | 3.140% | $0.00 |  |  |  |  | N/A | No | 4.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $89772.56 | 21.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 760795 | xxxxxx | Non QM | xxxxxx | Yes | No | $28675.00 | $1857.58 | xxxxxx | 5.262% | $6101.86 | $6101.86 | 5.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $85458.58 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 14.541% | 14.541% | 14.541% | 10/19/2021 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506 - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28675.00 | xxxxxx | 3.140% | $7500.00 |  |  |  |  | N/A | No | 5.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $368594.12 | 28.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 761498 | xxxxxx | Non QM | xxxxxx | Yes | No | $10590.00 | $16812.57 |  | 4.732% | $2837.44 | $2837.44 | 4.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6460.73 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.256% | 46.256% | 46.256% | 11/17/2021 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2010 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10590.00 |  | 3.030% | $0.00 | 1 |  |  |  | N/A | No | 4.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 22.00 | No |  |  |  |  |  |  | xxxxxx | $731944.47 | 69.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 766380 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $977.19 | $977.19 | 5.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/08/2021 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  | xxxxxx | $12000.00 | 6.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 766346 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $850.00 | $850.00 | 6.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/14/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | 6.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | 240 | xxxxxx | $80160.85 | 40.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 766446 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4464.24 | $4464.24 | 5.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/22/2021 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | No | No | 5.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.65 |  |  |  |  | xxxxxx | $198705.39 | 21.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 766437 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2413.10 | $2413.10 | 5.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/14/2021 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.95 | 0.51 |  |  |  |  | xxxxxx | $25447.22 | 5.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 766472 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3349.50 | $3349.50 | 6.250% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/07/2021 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  | xxxxxx | $128016.25 | 20.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 766448 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2008.95 | $2008.95 | 5.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/14/2021 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  | xxxxxx | $15473.38 | 4.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 767572 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2820.31 | $2820.31 | 4.750% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.7 | 0.37 |  |  |  | 240 | xxxxxx | $21298419.18 | 100.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 767422 | xxxxxx | N/A | xxxxxx | Yes | No | $27662.96 | $15472.51 |  | 6.873% | $3481.69 | $3481.69 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $604232.49 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 1.624% | 1.624% | 1.624% | 02/22/2022 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27662.96 |  | 3.830% | $0.00 | 1.2 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $4555128.61 | 100.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 768345 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $7835.63 | $7835.63 | 5.000% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1262.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/13/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.46 | 0.41 |  |  |  |  | xxxxxx | $699719.77 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 768342 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $6794.53 | $6794.53 | 4.875% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 4.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  | 240 | xxxxxx | $5220634.86 | 100.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 767846 | xxxxxx | Non QM | xxxxxx | Yes | No | $7104.30 | $9600.37 | xxxxxx | 5.445% | $5431.72 | $5431.72 | 5.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8121.24 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.340% | 43.340% | 43.340% | 01/31/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | No | xxxxxx | xxxxxx | $7104.30 | xxxxxx | 3.610% | $0.00 | 1 |  |  |  | N/A | No | 5.375% | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $964755.51 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 767423 | xxxxxx | N/A | xxxxxx | Yes | No | $10925.00 | $12131.50 | xxxxxx | 7.673% | $4894.50 | $4894.50 | 7.500% | No | No | Not Employed |  | Self-Employed |  | 8.2 |  |  |  | xxxxxx |  |  |  |  |  | $40246.56 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 28.479% | 28.479% | 28.479% | 01/03/2022 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  |  |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10925.00 | xxxxxx | 3.920% | $0.00 | 1.3 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $559590.12 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 768902 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $9302.08 | $9302.08 | 5.875% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/01/2022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  | 240 | xxxxxx | $1269596.47 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 768903 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $6504.60 | $6504.60 | 5.875% | No | No |  |  |  |  | 0 | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/01/2022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 5.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | 240 | xxxxxx | $1269596.47 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 769156 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2450.50 | $2450.50 | 6.500% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  | 240 | xxxxxx | $254447.94 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 769474 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3202.49 | $3202.49 | 5.565% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $724.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/10/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.565% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  | xxxxxx | $163930.54 | 23.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 767531 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1582.81 | $1582.81 | 6.000% | No | No |  |  |  |  | 0 |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $12.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/24/2022 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  | xxxxxx | $204967.41 | 62.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 768904 | xxxxxx | Non QM | xxxxxx | Yes | No | $10495.00 | $13791.50 |  | 6.857% | $2275.44 | $2275.44 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4651.95 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.475% | 41.475% | 41.475% | 03/29/2022 | 628 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10495.00 |  | 4.490% | $0.00 | 1.9 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 15.00 | No |  |  |  |  |  |  | xxxxxx | $13339.44 | 2.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 767559 | xxxxxx | Non QM | xxxxxx | Yes | No | $17175.00 | $26168.10 |  | 6.058% | $6625.22 | $6625.22 | 5.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16879.13 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.049% | 43.049% | 43.049% | 03/02/2022 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17175.00 |  | 3.830% | $3000.00 | 3.9 |  |  |  | N/A | No | 5.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $364600.92 | 26.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 770286 | xxxxxx | N/A | xxxxxx | Yes | No | $10295.00 | $13929.50 | xxxxxx | 5.369% | $4859.39 | $4859.39 | 5.250% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8509.88 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 38.939% | 38.939% | 38.939% | 03/09/2022 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Military VOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Housing Allowance]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Housing Allowance]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Rations]; Other - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10295.00 | xxxxxx | 3.830% | $0.00 |  |  |  |  | No | No | 5.250% | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $482626.52 | 43.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 768168 | xxxxxx | Non QM | xxxxxx | Yes | No | $6329.37 | $8225.81 | xxxxxx | 7.716% | $1701.82 | $1701.82 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10320.52 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 38.137% | 38.137% | 38.137% | 03/07/2022 | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6329.37 | xxxxxx | 4.230% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $103379.61 | 33.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 769811 | xxxxxx | N/A | xxxxxx | Yes | No | $26336.40 | $13250.80 | xxxxxx | 6.690% | $4186.82 | $4186.82 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25446.46 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 26.187% | 26.187% | 26.187% | 03/25/2022 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2002 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26336.40 | xxxxxx | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $227316.97 | 27.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 769829 | xxxxxx | Non QM | xxxxxx | Yes | No | $8384.38 | $14257.21 | xxxxxx | 6.291% | $18309.89 | $18309.89 | 6.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $29586.28 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $884.75 |  | Monthly | 48.695% | 48.695% | 48.695% | 02/15/2022 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 96.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-T - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-T - 2019<br> [Coborrower]; 4506-T - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8384.38 | xxxxxx | 4.790% | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 4 | 0 |  | 13 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $1990377.27 | 44.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 768908 | xxxxxx | Non QM | xxxxxx | Yes | No | $12976.60 | $17482.53 | xxxxxx | 7.300% | $3472.88 | $3472.88 | 7.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7311.60 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.257% | 40.257% | 40.257% | 04/14/2022 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12976.60 | xxxxxx | 4.490% | $5000.00 | 3.9 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $103401.82 | 18.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 766855 | xxxxxx | Non QM | xxxxxx | Yes | No | $8807.75 | $10926.86 | xxxxxx | 6.865% | $2748.85 | $2748.85 | 6.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $21281.91 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $720.00 |  | Annually | 22.659% | 22.659% | 22.659% | 12/13/2021 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2015<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2015 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8807.75 | xxxxxx | 3.760% | $12000.00 | 1 |  |  |  | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $82649.72 | 17.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771000 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2568.45 | $2568.45 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/06/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.9 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  | xxxxxx | $400043.78 | 76.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 771652 | xxxxxx | Non QM | xxxxxx | Yes | No | $10820.00 | $15614.90 | xxxxxx | 7.383% | $3638.08 | $3638.08 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4869.28 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 47.026% | 47.026% | 47.026% | 03/18/2022 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 86.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2011<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10820.00 | xxxxxx | 5.180% | $1800.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $109408.63 | 18.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771684 | xxxxxx | Non QM | xxxxxx | Yes | No | $14035.00 | $17614.25 | xxxxxx | 8.092% | $5873.06 | $5873.06 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $26664.35 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 33.216% | 33.216% | 33.216% | 05/12/2022 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14035.00 | xxxxxx | 5.380% | $1000.00 | 1.8 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $137355.85 | 15.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 768428 | xxxxxx | Non QM | xxxxxx | Yes | No | $39494.99 | $47741.03 | xxxxxx | 7.083% | $13138.57 | $13138.57 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27501.27 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 38.542% | 38.542% | 38.542% | 03/22/2022 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $39494.99 | xxxxxx | 4.230% | $0.00 | 2.7 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 13.90 | No |  |  |  |  |  |  | xxxxxx | $367077.58 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771429 | xxxxxx | N/A | xxxxxx | Yes | No | $12090.00 | $15745.67 | xxxxxx | 6.555% | $2832.30 | $2832.30 | 6.250% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10353.42 | 1 | xxxxxx | $0.00 | xxxxxx |  | $378.00 |  | Monthly | 41.994% | 41.994% | 41.994% | 05/03/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 66.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12090.00 | xxxxxx | 5.380% | $4000.00 | 1 |  |  |  | Yes | No | 6.250% | 1 | 0 | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $182055.99 | 32.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771564 | xxxxxx | Non QM | xxxxxx | Yes | No | $5016.25 | $4707.25 | xxxxxx | 6.984% | $1148.02 | $1148.02 | 6.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3726.71 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $350.00 |  | Annually | 31.153% | 31.153% | 31.153% | 05/05/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $5016.25 | xxxxxx | 5.380% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $175919.49 | 63.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771637 | xxxxxx | Non QM | xxxxxx | Yes | No | $16014.70 | $8258.30 | xxxxxx | 8.422% | $6491.78 | $6491.78 | 8.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $31647.59 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1250.00 |  | Annually | 22.465% | 22.465% | 22.465% | 05/12/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.340% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16014.70 | xxxxxx | 5.330% | $0.00 | 2.7 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $105579.75 | 11.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771505 | xxxxxx | Non QM | xxxxxx | Yes | No | $2182.50 | $3223.75 | xxxxxx | 6.834% | $2043.08 | $2043.08 | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5693.90 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $100.00 |  | Annually | 42.836% | 42.836% | 42.836% | 04/01/2022 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2004 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2182.50 | xxxxxx | 5.330% | $0.00 | 2 |  |  |  | Yes | No | 6.750% | 0 | 0 | 1 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $455614.07 | 81.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772501 | xxxxxx | N/A | xxxxxx | Yes | No | $29172.50 | $14257.41 | xxxxxx | 5.391% | $3179.69 | $4261.37 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10996.55 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 42.321% | 41.499% | 42.321% | 05/26/2022 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29172.50 | xxxxxx | 4.590% | $0.00 | 1.5 |  |  |  | Yes | No | 6.875% | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $533821.47 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773420 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2364.16 | $2364.16 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2022 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  | xxxxxx | $28676.78 | 7.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 770857 | xxxxxx | N/A | xxxxxx | Yes | No | $1990.00 | $3905.47 | xxxxxx | 8.564% | $3027.60 | $3027.60 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9419.86 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 35.789% | 35.789% | 35.789% | 05/17/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx\| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx\| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - xxxxxx\| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx\| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - xxxxxx\| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - xxxxxx\| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx\| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - xxxxxx\| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1990.00 | xxxxxx | 5.170% | $0.00 |  |  |  |  | N/A | No | 8.500% | 1 |  | 1 | 0 | 3 | 0 |  |  | 17.00 | No |  |  |  |  |  |  | xxxxxx | $131287.40 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772558 | xxxxxx | Non QM | xxxxxx | Yes | No | $7965.00 | $10028.54 | xxxxxx | 8.068% | $2282.49 | $2282.49 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7926.15 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 32.851% | 32.851% | 32.851% | 03/30/2022 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7965.00 | xxxxxx | 5.350% | $9987.50 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $92182.83 | 25.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773309 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1260.89 | $1260.89 | 7.750% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/26/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  | xxxxxx | $90059.84 | 41.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 771721 | xxxxxx | Non QM | xxxxxx | Yes | No | $7786.50 | $8870.94 | xxxxxx | 8.453% | $2044.84 | $2044.84 | 8.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7509.69 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $483.00 |  | Monthly | 33.751% | 33.751% | 33.751% | 04/13/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7786.50 | xxxxxx | 5.180% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $89155.89 | 28.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773463 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3020.83 | $3020.83 | 7.250% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/12/2022 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | 240 | xxxxxx |  |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 772550 | xxxxxx | Non QM | xxxxxx | Yes | No | $3995.00 | $8195.01 | xxxxxx | 8.232% | $5713.52 | $5713.52 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19041.03 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 36.057% | 36.057% | 36.057% | 06/03/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3995.00 | xxxxxx | 5.310% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $151912.99 | 18.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773468 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2517.17 | $2517.17 | 7.500% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $100.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/18/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.57 |  |  |  |  | xxxxxx | $165614.88 | 36.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 771096 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1157.24 | $1157.24 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/26/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.53 |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 769373 | xxxxxx | N/A | xxxxxx | Yes | No | $29449.89 | $14135.52 | xxxxxx | 7.168% | $3148.00 | $3148.00 | 6.875% | No | No | Not Employed |  | Self-Employed |  | 11.33 |  |  |  | xxxxxx |  |  |  |  |  | $306743.62 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 17.509% | 17.509% | 17.509% | 05/31/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29449.89 | xxxxxx | 5.070% | $5000.00 | 2.6 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $664297.46 | 100.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772151 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3359.74 | $3359.74 | 6.750% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/18/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.06 | 0.48 |  |  |  |  | xxxxxx | $308343.74 | 48.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 773867 | xxxxxx | Non QM | xxxxxx | Yes | No | $9295.00 | $11464.42 | xxxxxx | 6.671% | $2433.09 | $2433.09 | 6.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10112.26 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 25.252% | 25.252% | 25.252% | 05/27/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9295.00 | xxxxxx | 5.330% | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  | xxxxxx | $95474.49 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772355 | xxxxxx | Non QM | xxxxxx | Yes | No | $24135.00 | $28185.99 | xxxxxx | 6.816% | $3556.06 | $3556.06 | 6.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12198.84 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 33.223% | 33.223% | 33.223% | 06/03/2022 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24135.00 | xxxxxx | 5.160% | $0.00 | 1.1 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $80195.86 | 11.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773495 | xxxxxx | Non QM | xxxxxx | Yes | No | $29090.00 | $29834.00 | xxxxxx | 7.251% | $3969.42 | $3969.42 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $29100.04 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $240.00 |  | Monthly | 14.311% | 14.311% | 14.311% | 05/05/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29090.00 | xxxxxx | 5.310% | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $170792.42 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772202 | xxxxxx | Non QM | xxxxxx | Yes | No | $19260.00 | $22931.74 | xxxxxx | 7.677% | $4271.35 | $5545.87 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38510.54 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $350.00 |  | Monthly | 35.394% | 33.256% | 35.394% | 05/23/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2016<br> [Borrower]; 4506-C - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $19260.00 | xxxxxx | 5.160% | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $227382.29 | 25.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773151 | xxxxxx | Non QM | xxxxxx | Yes | No | $11000.00 | $11097.53 | xxxxxx | 8.164% | $3045.30 | $3045.30 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8732.33 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 47.610% | 47.610% | 47.610% | 04/21/2022 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11000.00 | xxxxxx | 5.860% | $0.00 | 3.8 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $27725.18 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772893 | xxxxxx | Non QM | xxxxxx | Yes | No | $11280.00 | $13794.14 | xxxxxx | 8.085% | $2665.06 | $2665.06 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4487.72 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $124.00 |  | Monthly | 42.058% | 42.058% | 42.058% | 05/01/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 81.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11280.00 | xxxxxx | 5.310% | $1500.00 | 2.3 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $88804.50 | 19.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773494 | xxxxxx | Non QM | xxxxxx | Yes | No | $14120.00 | $18987.89 | xxxxxx | 6.645% | $3643.40 | $3643.40 | 6.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8105.17 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 39.030% | 39.030% | 39.030% | 05/26/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14120.00 | xxxxxx | 5.160% | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $169264.09 | 23.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773401 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3268.99 | $3268.99 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/31/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  | xxxxxx | $156225.97 | 26.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 772586 | xxxxxx | Non QM | xxxxxx | Yes | No | $20370.00 | $23978.28 | xxxxxx | 7.337% | $3153.26 | $3153.26 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7570.04 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.070% | 40.070% | 40.070% | 06/06/2022 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506 - 2021<br> [Borrower]; 4506 - 2020<br> [Coborrower]; 4506 - 2021<br> [Coborrower]; 4506 - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20370.00 | xxxxxx | 5.160% | $0.00 | 1.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 17.00 | No |  |  |  |  |  |  | xxxxxx | $223923.29 | 37.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772357 | xxxxxx | Non QM | xxxxxx | Yes | No | $15151.49 | $9744.39 | xxxxxx | 8.039% | $3408.19 | $3408.19 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7530.71 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $365.00 |  | Annually | 40.535% | 40.535% | 40.535% | 05/16/2022 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 55.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 55.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15151.49 | xxxxxx | 5.160% | $41000.00 | 3 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $88298.43 | 16.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774147 | xxxxxx | Non QM | xxxxxx | Yes | No | $8265.00 | $8911.36 | xxxxxx | 9.031% | $5028.48 | $5028.48 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8972.85 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 42.163% | 42.163% | 42.163% | 05/27/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8265.00 | xxxxxx | 5.310% | $0.00 | 2.6 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 17.43 | No |  |  |  |  |  |  | xxxxxx | $221740.82 | 28.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774148 | xxxxxx | Non QM | xxxxxx | Yes | No | $5425.00 | $6152.09 | xxxxxx | 9.054% | $2768.84 | $2768.84 | 8.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $8537.43 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 30.649% | 30.649% | 30.649% | 05/27/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5425.00 | xxxxxx | 5.310% | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 17.43 | No |  |  |  |  |  |  | xxxxxx | $20000.00 | 4.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773386 | xxxxxx | Non QM | xxxxxx | Yes | No | $18395.48 | $24820.69 | xxxxxx | 7.542% | $8315.73 | $8315.73 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $49613.50 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 29.999% | 29.999% | 29.999% | 06/02/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18395.48 | xxxxxx | 5.310% | $0.00 | 3.5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $430927.22 | 28.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773393 | xxxxxx | Non QM | xxxxxx | Yes | No | $15669.00 | $9078.81 | xxxxxx | 6.711% | $2255.53 | $2255.53 | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $19191.55 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 44.139% | 44.139% | 44.139% | 06/01/2022 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15669.00 | xxxxxx | 5.310% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $423706.08 | 77.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 769625 | xxxxxx | Non QM | xxxxxx | Yes | No | $6495.02 | $8108.50 |  | 7.034% | $1621.50 | $1621.50 | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $2450.10 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $54.00 |  | Monthly | 45.553% | 45.553% | 45.553% | 04/12/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6495.02 |  | 4.790% | $0.00 |  |  |  |  | N/A | No | 6.750% | 2 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $355019.71 | 68.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771338 | xxxxxx | N/A | xxxxxx | Yes | No | $36050.00 | $49422.93 | xxxxxx | 8.212% | $14308.41 | $14308.41 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $174874.27 | 4 | xxxxxx | xxxxxx |  |  |  |  |  | 20.514% | 20.514% | 20.514% | 04/08/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $36050.00 | xxxxxx | 5.380% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $1442350.93 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773424 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1995.42 | $1995.42 | 6.875% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2022 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.4 |  |  |  | N/A |  | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  | xxxxxx | $97798.08 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 774132 | xxxxxx | Non QM | xxxxxx | Yes | No | $51702.00 | $29347.00 | xxxxxx | 7.042% | $7029.69 | $8060.52 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10908.51 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.034% | 40.935% | 46.034% | 04/21/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 64.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Cancelled Checks - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Paystubs - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Paystubs - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | Chapter 7 |  | xxxxxx | 1 | 257.76 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $51702.00 | xxxxxx | 5.310% | $0.00 | 1.3 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $322579.64 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772291 | xxxxxx | Non QM | xxxxxx | Yes | No | $5979.00 | $7868.20 | xxxxxx | 6.828% | $1327.34 | $1327.34 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2803.40 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $0.00 |  | Monthly | 39.832% | 39.832% | 39.832% | 05/11/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5979.00 | xxxxxx | 5.880% | $0.00 | 2.6 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $288899.12 | 83.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774252 | xxxxxx | Non QM | xxxxxx | Yes | No | $8653.26 | $10636.38 | xxxxxx | 8.976% | $1745.05 | $1745.05 | 8.500% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6658.42 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $243.00 |  | Monthly | 43.935% | 43.935% | 43.935% | 05/02/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2006<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8653.26 | xxxxxx | 5.780% | $0.00 | 4.1 |  |  |  | N/A | No | 8.500% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $94396.00 | 35.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771949 | xxxxxx | Non QM | xxxxxx | Yes | No | $19670.00 | $28211.88 | xxxxxx | 8.294% | $6339.73 | $6339.73 | 8.000% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $18618.15 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $90.00 |  | Annually | 34.089% | 34.089% | 34.089% | 06/01/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19670.00 | xxxxxx | 5.160% | $25000.00 | 1 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $11500.00 | 1.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773988 | xxxxxx | Non QM | xxxxxx | Yes | No | $15500.00 | $20847.95 | xxxxxx | 7.376% | $8868.30 | $8868.30 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19359.70 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.477% | 41.477% | 41.477% | 06/03/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx | $15500.00 | xxxxxx | 5.780% | $0.00 | 2.9 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 0 | 2 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $434674.03 | 27.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773006 | xxxxxx | Non QM | xxxxxx | Yes | No | $11163.75 | $12321.24 | xxxxxx | 8.474% | $1915.13 | $1915.13 | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3721.09 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 36.604% | 36.604% | 36.604% | 05/05/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11163.75 | xxxxxx | 5.860% | $7750.00 | 1.2 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $70839.08 | 24.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 770452 | xxxxxx | Non QM | xxxxxx | Yes | No | $6314.01 | $7233.14 | xxxxxx | 7.645% | $3509.36 | $3509.36 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18129.73 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $500.00 |  | Annually | 30.706% | 30.706% | 30.706% | 04/14/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; D1C Income Verification Report - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6314.01 | xxxxxx | 5.380% | $3600.00 | 1.2 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $52531.48 | 9.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773927 | xxxxxx | N/A | xxxxxx | Yes | No | $8384.44 | $12766.70 | xxxxxx | 9.496% | $4090.76 | $4090.76 | 9.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9006.55 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.590% | 41.590% | 41.590% | 07/08/2022 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8384.44 | xxxxxx | 5.370% | $15000.00 | 1 |  |  |  | No | No | 9.250% | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $125793.26 | 22.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774548 | xxxxxx | Non QM | xxxxxx | Yes | No | $10553.68 | $12638.64 | xxxxxx | 8.722% | $2787.18 | $2787.18 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $73983.84 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 6.613% | 6.613% | 6.613% | 05/26/2022 | 622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10553.68 | xxxxxx | 5.370% | $0.00 | 1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $79248.86 | 16.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771416 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3151.04 | $3151.04 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/13/2022 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  | 240 | xxxxxx | $148952.74 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 773959 | xxxxxx | Non QM | xxxxxx | Yes | No | $16940.16 | $18732.61 | xxxxxx | 6.925% | $2583.58 | $2583.58 | 6.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4597.25 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.873% | 49.873% | 49.873% | 06/01/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16940.16 | xxxxxx | 5.780% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.97 | No |  |  |  |  |  |  | xxxxxx | $163219.16 | 30.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771875 | xxxxxx | N/A | xxxxxx | Yes | No | $7336.00 | $8457.25 | xxxxxx | 8.175% | $1104.16 | $1104.16 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7500.04 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 30.304% | 30.304% | 30.304% | 06/17/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 52.31000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 52.31000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 52.31000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7336.00 | xxxxxx | 5.370% | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $28000.00 | 14.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772241 | xxxxxx | Non QM | xxxxxx | Yes | No | $1690.00 | $6344.52 | xxxxxx | 7.790% | $5731.30 | $5731.30 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25908.90 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 24.261% | 24.261% | 24.261% | 05/23/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 57.300% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 57.30% \| Expense Ratio: 80.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 57.30% \| Expense Ratio: 80.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 57.30% \| Expense Ratio: 80.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1690.00 | xxxxxx | 5.310% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $792483.56 | 61.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773790 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3563.99 | $3563.99 | 8.125% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  | xxxxxx | $230686.46 | 38.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 771335 | xxxxxx | Non QM | xxxxxx | Yes | No | $5969.82 | $6823.32 | xxxxxx | 7.879% | $1225.02 | $1225.02 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7891.40 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1385.00 |  | Annually | 29.155% | 29.155% | 29.155% | 05/12/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5969.82 | xxxxxx | 5.880% | $0.00 | 1.5 |  |  |  | Yes | No | 7.500% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $25080.65 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 769032 | xxxxxx | Non QM | xxxxxx | Yes | No | $23584.62 | $32743.70 | xxxxxx | 7.233% | $3329.62 | $3329.62 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5397.62 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.400% | 49.400% | 49.400% | 06/02/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23584.62 | xxxxxx | 5.170% | $30000.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 2 | 0 | 2 | 0 |  |  | 15.97 | No |  |  |  |  |  |  | xxxxxx | $76529.52 | 12.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773863 | xxxxxx | Non QM | xxxxxx | Yes | No | $9500.00 | $12126.85 | xxxxxx | 6.994% | $2918.70 | $2918.70 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6947.42 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.462% | 43.462% | 43.462% | 07/07/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9500.00 | xxxxxx | 5.880% | $0.00 | 3.7 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $513865.44 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772648 | xxxxxx | Non QM | xxxxxx | Yes | No | $30045.31 | $34043.18 | xxxxxx | 6.953% | $6163.00 | $6163.00 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13226.91 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 35.609% | 35.609% | 35.609% | 06/13/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $30045.31 | xxxxxx | 5.310% | $380000.00 |  |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  | xxxxxx | $302092.42 | 22.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773515 | xxxxxx | N/A | xxxxxx | Yes | No | $53182.50 | $19287.74 | xxxxxx | 8.105% | $5709.92 | $5709.92 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $328807.26 | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 14.710% | 14.710% | 14.710% | 04/14/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $53182.50 | xxxxxx | 5.780% | $0.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $32000.00 | 3.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773432 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4266.67 | $4266.67 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2022 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | 360 | xxxxxx | $743682.86 | 93.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 774165 | xxxxxx | Non QM | xxxxxx | Yes | No | $29850.00 | $40177.53 | xxxxxx | 7.421% | $10875.00 | $12279.17 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24146.71 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $205.00 |  | Monthly | 43.998% | 40.742% | 43.998% | 05/10/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29850.00 | xxxxxx | 5.780% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $563212.51 | 25.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773852 | xxxxxx | Non QM | xxxxxx | Yes | No | $10710.00 | $8013.75 | xxxxxx | 6.902% | $2983.56 | $2983.56 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9923.42 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.109% | 37.109% | 37.109% | 06/01/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10710.00 | xxxxxx | 5.880% | $401000.00 | 4.2 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $458827.63 | 36.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773519 | xxxxxx | N/A | xxxxxx | Yes | No | $57120.00 | $22715.52 | xxxxxx | 8.160% | $5709.92 | $5709.92 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $330300.24 | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 14.323% | 14.323% | 14.323% | 07/20/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $57120.00 | xxxxxx | 5.880% | $0.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $32000.00 | 3.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772970 | xxxxxx | Non QM | xxxxxx | Yes | No | $14405.58 | $16648.80 | xxxxxx | 7.820% | $2624.57 | $2624.57 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $28388.64 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 10.045% | 10.045% | 10.045% | 04/26/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14405.58 | xxxxxx | 5.310% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $49191.76 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772864 | xxxxxx | Non QM | xxxxxx | Yes | No | $6339.00 | $8007.00 | xxxxxx | 8.693% | $1442.43 | $1442.43 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2845.79 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.182% | 43.182% | 43.182% | 07/14/2022 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6339.00 | xxxxxx | 5.310% | $57400.00 | 2.6 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  | xxxxxx | $29657.29 | 12.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773896 | xxxxxx | Non QM | xxxxxx | Yes | No | $12257.50 | $16961.43 | xxxxxx | 7.827% | $5839.30 | $5839.30 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12867.98 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $80.64 |  | Monthly | 44.614% | 44.614% | 44.614% | 07/08/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12257.50 | xxxxxx | 5.880% | $0.00 | 1.4 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $448338.46 | 41.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773681 | xxxxxx | Non QM | xxxxxx | Yes | No | $11448.70 | $14229.21 | xxxxxx | 6.983% | $3863.35 | $3863.35 | 6.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $22438.24 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $243.00 |  | Monthly | 20.535% | 20.535% | 20.535% | 05/16/2022 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11448.70 | xxxxxx | 5.060% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $17372.00 | 2.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773101 | xxxxxx | Non QM | xxxxxx | Yes | No | $8644.00 | $12440.02 | xxxxxx | 7.533% | $3865.73 | $4344.35 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $17185.30 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $30.00 |  | Monthly | 32.914% | 31.046% | 32.914% | 06/13/2022 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8644.00 | xxxxxx | 5.860% | $0.00 | 1.1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $773489.73 | 83.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774120 | xxxxxx | Non QM | xxxxxx | Yes | No | $7295.00 | $7262.00 | xxxxxx | 7.982% | $3885.00 | $4905.77 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $24007.21 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.657% | 35.007% | 37.657% | 05/24/2022 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7295.00 | xxxxxx | 5.860% | $0.00 | 2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 | 24 |  | 0.00 | Yes |  |  |  |  |  | 240 | xxxxxx | $28058.41 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773621 | xxxxxx | Non QM | xxxxxx | Yes | No | $31395.00 | $55018.13 | xxxxxx | 6.771% | $18959.61 | $18959.61 | 6.625% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $97608.96 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $541.00 |  | Monthly | 21.742% | 21.742% | 21.742% | 06/08/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 66.670% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 66.67% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 66.67% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 66.67% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $31395.00 | xxxxxx | 5.160% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $2267715.59 | 49.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773227 | xxxxxx | Non QM | xxxxxx | Yes | No | $34350.00 | $38806.39 | xxxxxx | 9.087% | $9471.87 | $9471.87 | 8.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $19123.16 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 44.214% | 44.214% | 44.214% | 07/20/2022 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $34350.00 | xxxxxx | 5.860% | $5000.00 | 2 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  | xxxxxx | $38621.98 | 3.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774182 | xxxxxx | Non QM | xxxxxx | Yes | No | $6207.50 | $6488.09 | xxxxxx | 7.286% | $2652.77 | $2652.77 | 7.125% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $9975.27 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $549.00 |  | Monthly | 40.642% | 40.642% | 40.642% | 06/23/2022 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6207.50 | xxxxxx | 5.780% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $494644.23 | 94.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773225 | xxxxxx | Non QM | xxxxxx | Yes | No | $8089.16 | $8725.78 | xxxxxx | 10.996% | $1557.30 | $1557.30 | 10.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6244.25 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 26.123% | 26.123% | 26.123% | 06/20/2022 | 595 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8089.16 | xxxxxx | 5.370% | $0.00 | 1.1 |  |  |  | Yes | No | 10.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $109680.75 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773906 | xxxxxx | Non QM | xxxxxx | Yes | No | $32500.00 | $50354.77 | xxxxxx | 7.100% | $13138.58 | $13138.58 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $75596.36 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 21.079% | 21.079% | 21.079% |  | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32500.00 | xxxxxx | 5.880% | $0.00 | 2.1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $802928.78 | 24.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774116 | xxxxxx | N/A | xxxxxx | Yes | No | $32024.00 | $15395.97 | xxxxxx | 7.762% | $4172.07 | $4172.07 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9366.55 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 48.358% | 48.358% | 48.358% | 05/25/2022 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2012 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32024.00 | xxxxxx | 5.310% | $0.00 | 2.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $133366.05 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773099 | xxxxxx | Non QM | xxxxxx | Yes | No | $14241.00 | $15095.98 | xxxxxx | 9.827% | $2468.03 | $2468.03 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20995.69 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $210.00 |  | Monthly | 28.859% | 28.859% | 28.859% | 06/21/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14241.00 | xxxxxx | 5.370% | $0.00 | 2.5 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $280462.32 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774167 | xxxxxx | Non QM | xxxxxx | Yes | No | $23295.00 | $25633.32 | xxxxxx | 7.485% | $7231.07 | $7231.07 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $689261.24 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $155.00 |  | Monthly | 1.637% | 1.637% | 1.637% | 07/07/2022 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23295.00 | xxxxxx | 5.780% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $372929.27 | 28.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773989 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1566.24 | $1566.24 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2022 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  | xxxxxx | $210687.13 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 774184 | xxxxxx | N/A | xxxxxx | Yes | No | $51399.80 | $23522.76 | xxxxxx | 8.281% | $4455.08 | $4455.08 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | $72940.35 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $287.00 |  | Monthly | 8.326% | 8.326% | 8.326% | 05/26/2022 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $51399.80 | xxxxxx | 5.370% | $0.00 | 2.2 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $176066.32 | 20.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775037 | xxxxxx | N/A | xxxxxx | Yes | No | $12011.95 | $4306.32 | xxxxxx | 9.642% | $2966.12 | $2966.12 | 9.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3895.59 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 58.262% | 58.261% | 58.261% | 07/21/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12011.95 | xxxxxx | 5.370% | $0.00 |  |  |  |  | No | No | 9.500% | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $109840.99 | 26.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775521 | xxxxxx | Non QM | xxxxxx | Yes | No | $5814.38 | $7771.52 | xxxxxx | 8.465% | $1155.68 | $1155.68 | 8.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $50190.92 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $409.00 |  | Monthly | 5.672% | 5.672% | 5.672% | 06/22/2022 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5814.38 | xxxxxx | 5.580% | $500.00 | 999 |  |  |  | N/A | No | 8.000% | 0 | 0 | 2 | 0 | 0 | 2 |  |  | 17.70 | No |  |  |  |  |  |  | xxxxxx | $142229.09 | 68.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774096 | xxxxxx | Non QM | xxxxxx | Yes | No | $16691.00 | $18190.80 | xxxxxx | 7.774% | $3204.73 | $3204.73 | 7.375% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7009.04 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $946.00 |  | Monthly | 45.736% | 45.736% | 45.736% | 07/05/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16691.00 | xxxxxx | 5.780% | $2500.00 | 1.7 |  |  |  | N/A | No | 7.375% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $142640.21 | 25.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776146 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1772.34 | $1772.34 | 8.125% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/26/2022 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  | xxxxxx | $73929.51 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 774832 | xxxxxx | Non QM | xxxxxx | Yes | No | $35023.00 | $49687.53 | xxxxxx | 7.446% | $11173.44 | $11173.44 | 7.199% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $200369.18 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 9.542% | 9.542% | 9.542% | 07/07/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $35023.00 | xxxxxx | 5.610% | $7500.00 | 3.8 |  |  |  | Yes | No | 7.199% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $514235.91 | 23.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773801 | xxxxxx | Non QM | xxxxxx | Yes | No | $4810.00 | $5594.96 | xxxxxx | 8.566% | $1412.38 | $1412.38 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2775.72 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 42.181% | 42.181% | 42.181% | 06/20/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 91.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.97000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.97000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4810.00 | xxxxxx | 5.610% | $0.00 | 1 |  |  |  | No | No | 8.250% | 2 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $157130.86 | 58.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773395 | xxxxxx | Non QM | xxxxxx | Yes | No | $9293.64 | $9753.64 | xxxxxx | 7.142% | $2409.61 | $2409.61 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4275.40 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $290.00 |  | Annually | 48.975% | 48.975% | 48.975% | 06/08/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9293.64 | xxxxxx | 5.780% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $114454.48 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 770377 | xxxxxx | N/A | xxxxxx | Yes | No | $94057.18 | $30217.34 | xxxxxx | 8.951% | $12705.21 | $12705.21 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19258.90 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 48.904% | 48.904% | 48.904% | 04/26/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $94057.18 | xxxxxx | 5.180% | $0.00 | 2.6 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $161755.89 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776160 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $13812.50 | $13812.50 | 8.500% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/31/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.39 | 0.42 |  |  |  | 240 | xxxxxx | $3044197.13 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 774740 | xxxxxx | Non QM | xxxxxx | Yes | No | $25025.00 | $17810.98 | xxxxxx | 8.839% | $5288.97 | $5288.97 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26569.09 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1900.00 |  | Annually | 27.038% | 27.038% | 27.038% | 06/30/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25025.00 | xxxxxx | 5.610% | $52500.00 | 4.8 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $16275.50 | 2.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775459 | xxxxxx | Non QM | xxxxxx | Yes | No | $14687.23 | $5547.45 | xxxxxx | 8.922% | $2880.12 | $2880.12 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13641.28 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 27.831% | 27.831% | 27.831% | 07/22/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14687.23 | xxxxxx | 5.580% | $0.00 | 2.1 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $80107.75 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773928 | xxxxxx | N/A | xxxxxx | Yes | No | $5381.25 | $6417.12 | xxxxxx | 8.821% | $1197.12 | $1197.12 | 8.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6770.73 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $740.00 |  | Monthly | 45.834% | 45.834% | 45.834% | 05/10/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5381.25 | xxxxxx | 5.880% | $0.00 | 1.1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $146329.82 | 69.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774912 | xxxxxx | Non QM | xxxxxx | Yes | No | $19026.25 | $20492.33 |  | 9.697% | $5039.06 | $5364.78 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $29883.26 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 20.572% | 19.706% | 20.572% | 06/27/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $19026.25 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $96098.17 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773899 | xxxxxx | Non QM | xxxxxx | Yes | No | $12497.08 | $15911.63 | xxxxxx | 7.513% | $7598.86 | $7598.86 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12838.38 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $191.00 |  | Monthly | 48.503% | 48.503% | 48.503% | 07/01/2022 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12497.08 | xxxxxx | 5.780% | $8000.00 | 4.2 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $472998.19 | 34.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773159 | xxxxxx | N/A | xxxxxx | Yes | No | $7551.00 | $2866.56 | xxxxxx | 9.829% | $1325.98 | $1325.98 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8445.92 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $314.00 |  | Monthly | 33.269% | 33.269% | 33.269% | 06/17/2022 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7551.00 | xxxxxx | 5.780% | $0.00 | 2.1 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $3000.00 | 2.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775690 | xxxxxx | Non QM | xxxxxx | Yes | No | $5096.88 | $12946.10 | xxxxxx | 6.386% | $6012.94 | $6012.94 | 7.125% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $23728.29 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 31.083% | 34.332% | 31.083% | 06/30/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5096.88 | xxxxxx | 5.330% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $206859.01 | 16.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774051 | xxxxxx | Non QM | xxxxxx | Yes | No | $10250.00 | $11985.11 | xxxxxx | 7.454% | $4147.63 | $4147.63 | 7.250% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $8693.62 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.370% | 41.370% | 41.370% | 07/07/2022 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10250.00 | xxxxxx | 5.780% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $203429.22 | 27.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774188 | xxxxxx | Non QM | xxxxxx | Yes | No | $16094.00 | $6110.67 |  | 7.035% | $8648.93 | $8648.93 | 7.000% | No | No | Not Employed |  | Self-Employed |  | 7.19 |  |  |  | xxxxxx |  |  |  |  |  | $50953.88 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $4375.00 |  | Annually | 21.507% | 21.507% | 21.507% | 07/05/2022 | 778 | 778 | 800 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 97.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 97.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 97.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 97.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2015 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16094.00 |  | 5.370% | $0.00 | 1.6 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $1727684.68 | 66.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774957 | xxxxxx | Non QM | xxxxxx | Yes | No | $41327.14 | $25843.60 | xxxxxx | 7.687% | $5982.97 | $5982.97 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22517.43 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 27.665% | 27.665% | 27.665% | 06/21/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $41327.14 | xxxxxx | 5.370% | $3000.00 |  |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  | xxxxxx | $428579.31 | 37.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774709 | xxxxxx | Non QM | xxxxxx | Yes | No | $14400.00 | $10695.28 | xxxxxx | 9.609% | $5467.65 | $5467.65 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $48541.85 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $300.00 |  | Annually | 23.416% | 23.416% | 23.416% | 05/02/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14400.00 | xxxxxx | 5.370% | $109000.00 | 4.2 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $150929.51 | 20.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774253 | xxxxxx | Non QM | xxxxxx | Yes | No | $6905.25 | $9159.59 | xxxxxx | 8.162% | $2022.94 | $2022.94 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4055.41 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 39.097% | 39.097% | 39.097% | 05/23/2022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6905.25 | xxxxxx | 5.780% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $237850.96 | 77.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774880 | xxxxxx | Non QM | xxxxxx | Yes | No | $11936.50 | $12807.79 | xxxxxx | 8.744% | $2096.03 | $2096.03 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16418.67 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $300.00 |  | Annually | 23.398% | 23.398% | 23.398% | 07/06/2022 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 56.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 56.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 56.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 56.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 56.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 56.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11936.50 | xxxxxx | 5.370% | $2500.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $16408.76 | 5.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773220 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1415.59 | $1415.59 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $55.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/14/2022 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  | xxxxxx | $182732.06 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 775165 | xxxxxx | N/A | xxxxxx | Yes | No | $28030.00 | $14999.45 |  | 7.166% | $2465.45 | $2465.45 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $49552.48 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 14.906% | 15.657% | 14.906% | 07/06/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28030.00 |  | 5.250% | $0.00 | 1.1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $799659.42 | 100.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775415 | xxxxxx | Non QM | xxxxxx | Yes | No | $5705.00 | $7884.54 | xxxxxx | 7.217% | $2461.62 | $2461.62 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7143.92 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 31.768% | 31.768% | 31.768% | 07/13/2022 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5705.00 | xxxxxx | 5.580% | $0.00 | 2.6 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $213177.49 | 31.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776135 | xxxxxx | Non QM | xxxxxx | Yes | No | $12311.25 | $8438.63 | xxxxxx | 7.567% | $2469.17 | $2469.17 | 7.375% | No | No | Not Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7768.22 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.979% | 40.979% | 40.979% | 05/25/2022 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12311.25 | xxxxxx | 5.370% | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  | xxxxxx | $967654.63 | 100.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775160 | xxxxxx | Non QM | xxxxxx | Yes | No | $9411.50 | $15747.96 | xxxxxx | 8.847% | $4550.07 | $4550.07 | 8.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8468.74 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $460.00 |  | Monthly | 44.694% | 44.694% | 44.694% | 07/19/2022 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $9411.50 | xxxxxx | 5.580% | $0.00 | 1 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $204972.97 | 26.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774491 | xxxxxx | N/A | xxxxxx | Yes | No | $9690.00 | $13125.34 |  | 7.657% | $2762.70 | $2762.70 | 7.375% | No | No | Not Employed |  | Employed | Employed | 2.89 | 1.95 |  |  | xxxxxx | xxxxxx |  |  |  |  | $18948.89 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 3.240% | 3.240% | 3.240% | 07/05/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $9690.00 |  | 5.370% | $22050.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $441463.16 | 60.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776458 | xxxxxx | Non QM | xxxxxx | Yes | No | $8810.63 | $9366.59 | xxxxxx | 7.737% | $1787.12 | $1787.12 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8611.47 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 36.856% | 36.856% | 36.856% | 05/31/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8810.63 | xxxxxx | 5.580% | $0.00 | 1.3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $115105.27 | 33.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772708 | xxxxxx | N/A | xxxxxx | Yes | No | $20950.00 | $30082.16 | xxxxxx | 7.536% | $6166.87 | $6166.87 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $51999.66 | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 30.686% | 30.686% | 30.686% | 06/01/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $20950.00 | xxxxxx | 5.310% | $19000.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $409185.95 | 36.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775046 | xxxxxx | Non QM | xxxxxx | Yes | No | $29070.00 | $29405.25 | xxxxxx | 7.757% | $4174.92 | $4174.92 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5321.66 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 48.166% | 48.166% | 48.166% | 06/27/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29070.00 | xxxxxx | 5.580% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $484463.50 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772968 | xxxxxx | Non QM | xxxxxx | Yes | No | $10001.25 | $12517.18 | xxxxxx | 7.215% | $2118.60 | $2118.60 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3196.69 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.716% | 46.716% | 46.716% | 06/08/2022 | 783 |  |  |  |  |  |  | 08/24/2022 | 776 | 776 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10001.25 | xxxxxx | 5.310% | $0.00 | 4.2 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $149097.95 | 35.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775846 | xxxxxx | Non QM | xxxxxx | Yes | No | $16349.54 | $23828.81 | xxxxxx | 7.210% | $3088.95 | $3088.95 | 6.750% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $7377.31 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.502% | 37.502% | 37.502% | 07/06/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021 | [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16349.54 | xxxxxx | 5.610% | $4500.00 | 2.8 |  |  |  | No | No | 6.750% | 0 | 1 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $67070.73 | 11.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773903 | xxxxxx | Non QM | xxxxxx | Yes | No | $10350.00 | $13138.08 | xxxxxx | 7.375% | $3018.26 | $3018.26 | 7.125% | No | No | Not Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8031.08 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1611.00 |  | Monthly | 41.073% | 41.073% | 41.073% | 06/27/2022 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $10350.00 | xxxxxx | 5.880% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  | xxxxxx | $1392468.91 | 100.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773741 | xxxxxx | N/A | xxxxxx | Yes | No | $57271.25 | $26652.37 | xxxxxx | 7.648% | $8203.13 | $10573.41 | 7.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $32987.90 | 4 | xxxxxx | xxxxxx |  |  |  |  |  | 46.744% | 42.918% | 46.744% | 06/21/2022 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022 | [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $57271.25 | xxxxxx | 5.880% | $0.00 |  |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $624582.90 | 36.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776449 | xxxxxx | Non QM | xxxxxx | Yes | No | $27264.00 | $29139.68 | xxxxxx | 6.796% | $4211.12 | $4211.12 | 6.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11762.86 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 27.754% | 27.754% | 27.754% | 06/14/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27264.00 | xxxxxx | 5.780% | $0.00 | 1.3 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $206241.31 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776439 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2211.92 | $2211.92 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2022 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  | xxxxxx | $271930.37 | 57.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 775574 | xxxxxx | Non QM | xxxxxx | Yes | No | $6345.00 | $7807.50 | xxxxxx | 7.919% | $1202.65 | $1202.65 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2722.48 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $170.00 |  | Annually | 44.953% | 44.953% | 44.953% | 07/05/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6345.00 | xxxxxx | 5.580% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $44202.39 | 21.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773289 | xxxxxx | Non QM | xxxxxx | Yes | No | $20716.25 | $12895.75 | xxxxxx | 7.724% | $3391.19 | $3391.19 | 7.500% | No | Yes | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15655.05 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 37.207% | 37.207% | 37.207% |  | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 48.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20716.25 | xxxxxx | 5.780% | $0.00 |  |  |  |  | No | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 1 | 12 |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $113594.01 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773699 | xxxxxx | Non QM | xxxxxx | Yes | No | $5355.63 | $7250.63 | xxxxxx | 8.489% | $1614.93 | $1614.93 | 8.125% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7220.88 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 28.227% | 28.227% | 28.227% | 06/14/2022 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other | Chapter 7 |  | xxxxxx | 1 | 35.88 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5355.63 | xxxxxx | 5.880% | $0.00 | 4.4 |  |  |  | N/A | No | 8.125% | 0 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $16709.84 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775167 | xxxxxx | Non QM | xxxxxx | Yes | No | $8569.00 | $14134.88 | xxxxxx | 7.934% | $4513.40 | $4513.40 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7889.87 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 43.905% | 43.905% | 43.905% | 07/13/2022 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8569.00 | xxxxxx | 5.580% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $118325.81 | 13.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773100 | xxxxxx | Non QM | xxxxxx | Yes | No | $10748.00 | $11727.90 | xxxxxx | 8.318% | $2811.79 | $2811.79 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $92396.53 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $20.00 |  | Annually | 9.061% | 9.061% | 9.061% | 06/16/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10748.00 | xxxxxx | 5.860% | $0.00 | 1.6 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $366091.31 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775906 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1293.14 | $1293.14 | 7.999% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  | xxxxxx | $16521.14 | 7.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 776143 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $19959.07 | $19959.07 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/15/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.99 | 0.5 |  |  |  |  | xxxxxx | $2416210.02 | 46.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 773014 | xxxxxx | Non QM | xxxxxx | Yes | No | $10901.88 | $14278.42 | xxxxxx | 8.164% | $3143.18 | $3143.18 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11277.14 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 29.935% | 29.935% | 29.935% | 05/17/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10901.88 | xxxxxx | 5.380% | $0.00 | 2.3 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $43002.66 | 8.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774106 | xxxxxx | Non QM | xxxxxx | Yes | No | $30760.00 | $35126.88 | xxxxxx | 8.132% | $10295.99 | $10295.99 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18923.42 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $300.00 |  | Monthly | 47.743% | 47.743% | 47.743% | 06/03/2022 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 22.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 22.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 22.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $30760.00 | xxxxxx | 5.780% | $3000.00 | 2.8 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $74736.85 | 4.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 770413 | xxxxxx | Non QM | xxxxxx | Yes | No | $1250.00 | $3784.35 | xxxxxx | 10.061% | $1563.03 | $1563.03 | 9.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $19174.62 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $1084.00 |  | Annually | 20.084% | 20.084% | 20.084% | 06/14/2022 | 626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1250.00 | xxxxxx | 5.350% | $0.00 | 1.7 |  |  |  | Yes | No | 9.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $86416.88 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775949 | xxxxxx | Non QM | xxxxxx | Yes | No | $1250.00 | $3809.61 | xxxxxx | 6.810% | $2622.11 | $2622.11 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7936.31 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 33.296% | 37.397% | 33.296% | 07/27/2022 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1250.00 | xxxxxx | 5.330% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $37334.33 | 7.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774936 | xxxxxx | Non QM | xxxxxx | Yes | No | $35839.00 | $47532.67 | xxxxxx | 8.479% | $11275.00 | $12320.77 | 8.250% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $21412.91 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 48.759% | 46.256% | 48.759% | 08/03/2022 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 61.000% | 100.000% |  |  | [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $35839.00 | xxxxxx | 5.370% | $25000.00 | 1 |  |  |  | Yes | No | 8.250% | 2 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | 360 | xxxxxx | $567538.73 | 28.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774930 | xxxxxx | Non QM | xxxxxx | Yes | No | $11257.73 | $12595.30 | xxxxxx | 8.133% | $1744.71 | $1744.71 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7197.14 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 29.997% | 29.997% | 29.997% | 07/01/2022 | 622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 1980 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other | Chapter 7 |  | xxxxxx | 1 | 67.2 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11257.73 | xxxxxx | 5.580% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $43487.52 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774255 | xxxxxx | Non QM | xxxxxx | Yes | No | $12194.80 | $7684.99 | xxxxxx | 9.630% | $4120.19 | $4120.19 | 9.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $14128.39 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 27.086% | 27.086% | 27.086% | 07/08/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12194.80 | xxxxxx | 5.060% | $0.00 | 1 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $10865.62 | 2.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776140 | xxxxxx | Non QM | xxxxxx | Yes | No | $9238.00 | $3737.08 | xxxxxx | 8.563% | $2737.34 | $2737.34 | 8.500% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $127053.83 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 4.268% | 4.268% | 4.268% |  | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 62.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 62.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 62.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9238.00 | xxxxxx | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $62688.45 | 14.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774673 | xxxxxx | Non QM | xxxxxx | Yes | No | $26650.00 | $31744.79 | xxxxxx | 8.099% | $9280.89 | $9280.89 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20071.86 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.515% | 37.515% | 37.515% | 07/12/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26650.00 | xxxxxx | 5.370% | $180000.00 | 3.7 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 18.00 | No |  |  |  |  |  |  | xxxxxx | $328172.17 | 21.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776153 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1563.57 | $1563.57 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1822.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/11/2022 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  | xxxxxx | $99880.90 | 34.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 775508 | xxxxxx | Non QM | xxxxxx | Yes | No | $7282.00 | $13602.78 | xxxxxx | 8.144% | $5752.71 | $5752.71 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13751.45 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $220.00 |  | Monthly | 38.269% | 38.269% | 38.269% | 07/21/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |  | Other | Chapter 13 | xxxxxx | xxxxxx | 1 |  | 64.32 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7282.00 | xxxxxx | 5.580% | $2000.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $233592.97 | 24.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775499 | xxxxxx | Non QM | xxxxxx | Yes | No | $25528.13 | $32077.18 | xxxxxx | 7.575% | $9660.82 | $9660.82 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $311026.39 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 6.555% | 6.555% | 6.555% | 07/20/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25528.13 | xxxxxx | 5.580% | $0.00 | 2.8 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $170604.33 | 9.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775943 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3567.48 | $3567.48 | 10.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2022 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 10.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.73 |  |  |  |  | xxxxxx | $166727.47 | 32.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 775573 | xxxxxx | Non QM | xxxxxx | Yes | No | $6866.00 | $12300.02 | xxxxxx | 7.323% | $1821.74 | $1821.74 | 7.875% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $4827.23 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $79.00 |  | Monthly | 39.356% | 43.443% | 39.356% | 07/21/2022 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6866.00 | xxxxxx | 5.290% | $4000.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $139397.52 | 40.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773642 | xxxxxx | Non QM | xxxxxx | Yes | No | $11545.00 | $16217.84 | xxxxxx | 8.849% | $5211.19 | $5211.19 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11354.77 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 42.657% | 42.657% | 42.657% | 06/24/2022 | 599 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11545.00 | xxxxxx | 5.370% | $0.00 | 2.3 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $38905.05 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776087 | xxxxxx | Non QM | xxxxxx | Yes | No | $10737.94 | $12499.40 | xxxxxx | 9.422% | $1939.38 | $1939.38 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12042.97 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $325.00 |  | Annually | 22.727% | 22.727% | 22.727% | 07/26/2022 | 631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2020<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2018 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10737.94 | xxxxxx | 5.370% | $0.00 | 1.8 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 3 | 2 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $18641.70 | 6.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775308 | xxxxxx | Non QM | xxxxxx | Yes | No | $11575.00 | $15549.74 | xxxxxx | 8.887% | $7552.32 | $7552.32 | 8.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $40411.09 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.237% | 37.237% | 37.237% | 07/07/2022 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11575.00 | xxxxxx | 5.610% | $0.00 | 5 |  |  |  | No | No | 8.750% | 2 |  | 2 | 0 | 2 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $98808.48 | 8.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774122 | xxxxxx | N/A | xxxxxx | Yes | No | $12645.00 | $16066.26 | xxxxxx | 8.568% | $5700.54 | $5700.54 | 8.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17496.49 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 40.921% | 40.921% | 40.921% | 06/27/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12645.00 | xxxxxx | 5.880% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $854397.99 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775866 | xxxxxx | Non QM | xxxxxx | Yes | No | $17052.44 | $21409.42 | xxxxxx | 7.788% | $5877.83 | $5877.83 | 8.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $9986.67 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 48.596% | 48.596% | 48.596% | 07/25/2022 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx | $17052.44 | xxxxxx | 5.140% | $0.00 | 1.3 |  |  |  | N/A | No | 8.875% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $313316.73 | 32.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775667 | xxxxxx | Non QM | xxxxxx | Yes | No | $8415.00 | $12452.30 | xxxxxx | 8.520% | $5259.70 | $5259.70 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20667.93 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 34.175% | 34.175% | 34.175% | 07/25/2022 | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8415.00 | xxxxxx | 5.610% | $150000.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $69741.00 | 8.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776295 | xxxxxx | Non QM | xxxxxx | Yes | No | $25625.00 | $29775.17 | xxxxxx | 7.725% | $8394.07 | $8394.07 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $24488.13 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $110.00 |  | Monthly | 42.246% | 42.246% | 42.246% | 06/16/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25625.00 | xxxxxx | 5.370% | $0.00 | 1.7 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $644107.54 | 37.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776085 | xxxxxx | Non QM | xxxxxx | Yes | No | $7091.74 | $8396.09 | xxxxxx | 8.543% | $1160.09 | $1160.09 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3288.27 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.713% | 49.713% | 49.713% | 07/26/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7091.74 | xxxxxx | 5.060% | $0.00 | 1.1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $48111.33 | 26.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 771756 | xxxxxx | Non QM | xxxxxx | Yes | No | $5299.00 | $6569.69 | xxxxxx | 7.872% | $1839.85 | $1839.85 | 7.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $5080.34 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.900% | 46.900% | 46.900% | 07/27/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5299.00 | xxxxxx | 4.970% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $109215.56 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775834 | xxxxxx | Non QM | xxxxxx | Yes | No | $11654.00 | $17722.88 | xxxxxx | 7.749% | $4805.00 | $4805.00 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12780.38 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 31.263% | 31.263% | 31.263% | 07/25/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11654.00 | xxxxxx | 5.610% | $10000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775904 | xxxxxx | Non QM | xxxxxx | Yes | No | $7990.80 | $4854.50 | xxxxxx | 9.698% | $1954.99 | $1954.99 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2572.67 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.230% | 49.230% | 49.230% | 05/31/2022 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7990.80 | xxxxxx | 5.060% | $0.00 | 1 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $58611.85 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775704 | xxxxxx | Non QM | xxxxxx | Yes | No | $11600.00 | $15388.24 | xxxxxx | 7.514% | $6906.76 | $6906.76 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $57054.50 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $1973.00 |  | Monthly | 16.873% | 16.873% | 16.873% | 06/30/2022 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11600.00 | xxxxxx | 5.610% | $0.00 | 1.5 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $954937.38 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776367 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3297.63 | $3297.63 | 7.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/01/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  | 360 | xxxxxx | $68080.00 | 10.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 775742 | xxxxxx | Non QM | xxxxxx | Yes | No | $11719.38 | $16059.23 | xxxxxx | 9.795% | $7611.66 | $7611.66 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31702.21 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1720.00 |  | Annually | 24.666% | 24.666% | 24.666% | 07/25/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11719.38 | xxxxxx | 5.610% | $0.00 | 2.2 |  |  |  | Yes | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $61013.66 | 6.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773433 | xxxxxx | N/A | xxxxxx | Yes | No | $57527.50 | $28502.83 | xxxxxx | 7.959% | $4326.39 | $4326.39 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7966.69 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 38.579% | 38.579% | 38.579% | 05/04/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $57527.50 | xxxxxx | 5.860% | $0.00 | 3 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $292154.70 | 35.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773638 | xxxxxx | Non QM | xxxxxx | Yes | No | $8906.14 | $9760.99 | xxxxxx | 8.757% | $1506.29 | $1506.29 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3526.28 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 45.751% | 45.751% | 45.751% | 06/14/2022 | 597 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8906.14 | xxxxxx | 5.610% | $0.00 | 2.5 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $16843.73 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774905 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2006.60 | $2006.60 | 7.625% | No | No |  |  |  |  | 0 |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2022 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  | xxxxxx | $140325.50 | 35.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 775983 | xxxxxx | Non QM | xxxxxx | Yes | No | $6853.95 | $7726.40 | xxxxxx | 8.154% | $1061.69 | $1061.69 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3731.99 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $420.00 |  | Monthly | 34.675% | 34.675% | 34.675% | 07/07/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6853.95 | xxxxxx | 5.610% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $138677.84 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774644 | xxxxxx | Non QM | xxxxxx | Yes | No | $10458.12 | $14335.31 |  | 9.902% | $6294.23 | $6655.65 | 9.750% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $8853.91 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1296.00 |  | Annually | 53.103% | 51.189% | 53.103% | 07/12/2022 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10458.12 |  | 5.060% | $0.00 | 2 |  |  |  | N/A | No | 9.750% | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $56843.97 | 7.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774728 | xxxxxx | Non QM | xxxxxx | Yes | No | $14145.00 | $9781.25 | xxxxxx | 9.561% | $4241.92 | $4241.92 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22018.61 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 23.793% | 23.793% | 23.793% | 07/22/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 62 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14145.00 | xxxxxx | 5.370% | $0.00 | 1.7 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 15 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $111316.49 | 19.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776578 | xxxxxx | Non QM | xxxxxx | Yes | No | $2045.00 | $5642.58 |  | 7.727% | $3397.41 | $3397.41 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6180.05 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 47.194% | 47.194% | 47.194% | 08/10/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2045.00 |  | 5.060% | $0.00 | 1.1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $578679.21 | 56.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772859 | xxxxxx | Non QM | xxxxxx | Yes | No | $9284.97 | $11998.47 | xxxxxx | 8.002% | $1678.11 | $1678.11 | 7.500% | No | No | Not Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3527.31 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $425.00 |  | Monthly | 49.512% | 49.512% | 49.512% | 08/16/2022 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Pension]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Other | Chapter 7 |  | xxxxxx | 1 | 39.36 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9284.97 | xxxxxx | 5.310% | $0.00 | 1.5 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $274299.28 | 69.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777079 | xxxxxx | Non QM | xxxxxx | Yes | No | $5186.98 | $7684.22 |  | 8.597% | $2261.21 | $2261.21 | 8.375% | No | Yes | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8215.62 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.995% | 46.995% | 46.995% | 05/05/2022 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 70.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5186.98 |  | 5.160% | $0.00 | 2.3 |  |  |  | Yes | No | 8.375% | 1 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $91347.48 | 26.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776018 | xxxxxx | N/A | xxxxxx | Yes | No | $15183.80 | $17039.52 | xxxxxx | 9.057% | $2503.59 | $2503.59 | 8.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15952.71 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $148.00 |  | Monthly | 47.759% | 47.759% | 47.759% | 07/08/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 59.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 59.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 59.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15183.80 | xxxxxx | 5.610% | $0.00 | 1 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $61207.92 | 15.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775733 | xxxxxx | Non QM | xxxxxx | Yes | No | $46234.50 | $48773.00 | xxxxxx | 10.463% | $8466.40 | $8466.40 | 9.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15246.60 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $475.00 |  | Monthly | 48.305% | 48.305% | 48.305% | 07/15/2022 | 610 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $46234.50 | xxxxxx | 5.060% | $0.00 | 4.6 |  |  |  | No | No | 9.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $194594.53 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777269 | xxxxxx | N/A | xxxxxx | Yes | No | $9000.00 | $8870.67 | xxxxxx | 7.223% | $1576.63 | $1576.63 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38448.79 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $69.00 |  | Monthly | 18.249% | 18.249% | 18.249% | 04/01/2022 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9000.00 | xxxxxx | 4.740% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $299945.15 | 61.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777264 | xxxxxx | Non QM | xxxxxx | Yes | No | $4265.20 | $7238.21 | xxxxxx | 5.913% | $7308.45 | $7308.45 | 5.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $48123.93 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $720.00 |  | Annually | 17.103% | 17.103% | 17.103% | 03/14/2022 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4265.20 | xxxxxx | 3.830% | $0.00 | 1 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $610570.47 | 44.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777257 | xxxxxx | Non QM | xxxxxx | Yes | No | $28272.00 | $13160.07 | xxxxxx | 7.462% | $4093.06 | $4093.06 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8326.66 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 39.622% | 39.622% | 39.622% | 01/18/2022 | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28272.00 | xxxxxx | 3.830% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 3 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $241054.43 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776495 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2349.26 | $2349.26 | 8.125% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  | xxxxxx | $58900.76 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 774019 | xxxxxx | N/A | xxxxxx | Yes | No | $12411.88 | $14693.38 | xxxxxx | 8.289% | $6487.57 | $6487.57 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $514145.02 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 7.399% | 7.399% | 7.399% | 08/18/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12411.88 | xxxxxx | 5.370% | $0.00 | 4.4 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $265215.76 | 23.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775820 | xxxxxx | N/A | xxxxxx | Yes | No | $31877.50 | $6931.50 | xxxxxx | 8.007% | $3806.61 | $3806.61 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15390.58 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 38.196% | 38.196% | 38.196% | 07/15/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $31877.50 | xxxxxx | 5.370% | $0.00 | 2.6 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $319436.32 | 46.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774999 | xxxxxx | Non QM | xxxxxx | Yes | No | $8890.00 | $9560.14 | xxxxxx | 8.859% | $2152.96 | $2152.96 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5124.30 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 34.105% | 34.105% | 34.105% | 07/26/2022 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2014<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2014 |  | Bank Statements | Chapter 7 |  | xxxxxx | 1 | 49.8 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8890.00 | xxxxxx | 5.060% | $30000.00 | 1.5 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $50000.00 | 14.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774996 | xxxxxx | Non QM | xxxxxx | Yes | No | $24790.00 | $26971.18 | xxxxxx | 8.046% | $4671.44 | $4671.44 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9846.97 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 42.462% | 42.462% | 42.462% | 07/11/2022 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24790.00 | xxxxxx | 5.060% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $345383.61 | 42.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775255 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1645.03 | $1645.03 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $160.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/12/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 999 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.1 | 0.48 |  |  |  |  | xxxxxx | $854725.10 | 100.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 777140 | xxxxxx | Non QM | xxxxxx | Yes | No | $1740.00 | $12125.82 | xxxxxx | 6.701% | $10313.78 | $10313.78 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15793.62 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 48.231% | 48.231% | 48.231% | 08/09/2022 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $1740.00 | xxxxxx | 5.060% | $15000.00 | 5 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $1720622.45 | 53.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775378 | xxxxxx | Non QM | xxxxxx | Yes | No | $14744.80 | $16090.44 | xxxxxx | 7.888% | $4331.70 | $4331.70 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15564.23 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 39.125% | 39.125% | 39.125% | 06/17/2022 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14744.80 | xxxxxx | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $65850.71 | 10.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776117 | xxxxxx | Non QM | xxxxxx | Yes | No | $6840.31 | $7681.10 | xxxxxx | 8.205% | $2888.92 | $2888.92 | 7.999% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $24485.65 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $549.00 |  | Monthly | 25.525% | 25.525% | 25.525% | 06/11/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6840.31 | xxxxxx | 5.370% | $1000.00 | 1 |  |  |  | Yes | No | 7.999% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $133430.46 | 25.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776360 | xxxxxx | Non QM | xxxxxx | Yes | No | $7095.00 | $10524.14 | xxxxxx | 7.294% | $4102.95 | $4102.95 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7531.37 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.907% | 41.907% | 41.907% | 07/27/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2013 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7095.00 | xxxxxx | 5.060% | $1000.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  | xxxxxx | $250826.42 | 29.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777069 | xxxxxx | Non QM | xxxxxx | Yes | No | $19220.60 | $22480.54 | xxxxxx | 7.747% | $4004.17 | $4441.76 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8810.31 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.381% | 44.412% | 40.381% | 07/26/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19220.60 | xxxxxx | 5.440% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | 360 | xxxxxx | $203700.00 | 26.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776090 | xxxxxx | Non QM | xxxxxx | Yes | No | $10774.00 | $12610.29 | xxxxxx | 8.256% | $2563.85 | $2563.85 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $70380.38 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $600.00 |  | Annually | 4.777% | 4.777% | 4.777% | 07/05/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10774.00 | xxxxxx | 5.370% | $0.00 | 2.5 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $24120.38 | 5.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775734 | xxxxxx | N/A | xxxxxx | Yes | No | $18840.50 | $19699.04 | xxxxxx | 8.262% | $3058.13 | $3378.82 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6076.84 | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 48.145% | 45.409% | 48.145% | 07/08/2022 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18840.50 | xxxxxx | 5.610% | $15000.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $5000.00 | 1.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776271 | xxxxxx | N/A | xxxxxx | Yes | No | $18609.38 | $7918.13 | xxxxxx | 9.111% | $1583.20 | $1708.12 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16800.76 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $340.00 |  | Annually | 23.872% | 23.306% | 23.872% | 08/01/2022 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18609.38 | xxxxxx | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $197017.95 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772590 | xxxxxx | Non QM | xxxxxx | Yes | No | $3685.39 | $3777.38 | xxxxxx | 10.004% | $2952.39 | $2952.39 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7351.50 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $250.00 |  | Annually | 38.313% | 38.313% | 38.313% | 06/04/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3685.39 | xxxxxx | 5.280% | $0.00 | 1 |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $75019.44 | 19.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776486 | xxxxxx | Non QM | xxxxxx | Yes | No | $8750.00 | $10978.83 |  | 7.435% | $4093.06 | $4093.06 | 7.250% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8894.03 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.856% | 37.856% | 37.856% | 08/08/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8750.00 |  | 5.060% | $0.00 | 2.2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $199627.83 | 25.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775856 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1977.31 | $1977.31 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  | xxxxxx | $164016.57 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 775303 | xxxxxx | N/A | xxxxxx | Yes | No | $36695.00 | $39761.01 | xxxxxx | 8.965% | $9955.71 | $9955.71 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $908378.73 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 8.342% | 8.342% | 8.342% | 07/28/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $36695.00 | xxxxxx | 5.580% | $0.00 | 1.9 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $67400.84 | 4.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776046 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2058.34 | $2058.34 | 8.125% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $265.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  | xxxxxx | $346135.64 | 81.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 776467 | xxxxxx | Non QM | xxxxxx | Yes | No | $8907.50 | $14347.38 |  | 7.513% | $5097.18 | $5097.18 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10876.99 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.656% | 41.656% | 41.656% | 08/04/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 17.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 17.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 17.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8907.50 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $607562.37 | 62.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776967 | xxxxxx | N/A | xxxxxx | Yes | No | $14055.00 | $16440.44 | xxxxxx | 9.028% | $3752.06 | $3752.06 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11572.53 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $95.00 |  | Monthly | 39.629% | 39.629% | 39.629% | 08/02/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14055.00 | xxxxxx | 5.280% | $0.00 | 1.4 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $25998.10 | 4.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776543 | xxxxxx | Non QM | xxxxxx | Yes | No | $2020.50 | $4160.88 | xxxxxx | 6.725% | $1821.04 | $1821.04 | 6.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4279.48 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $200.00 |  | Monthly | 39.616% | 39.616% | 39.616% | 07/28/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2020.50 | xxxxxx | 5.060% | $60000.00 | 2.6 |  |  |  | Yes | No | 6.625% | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $40373.33 | 11.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773285 | xxxxxx | Non QM | xxxxxx | Yes | No | $4266.73 | $4989.15 | xxxxxx | 8.291% | $2148.34 | $2148.34 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5779.77 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $315.00 |  | Monthly | 36.800% | 36.800% | 36.800% | 06/05/2022 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4266.73 | xxxxxx | 5.880% | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $25971.64 | 7.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774952 | xxxxxx | Non QM | xxxxxx | Yes | No | $6203.00 | $7325.26 | xxxxxx | 8.052% | $3103.30 | $3103.30 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $75767.75 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $68.00 |  | Monthly | 4.852% | 4.852% | 4.852% | 07/14/2022 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6203.00 | xxxxxx | 5.370% | $0.00 | 1.2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $142742.25 | 27.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777493 | xxxxxx | Non QM | xxxxxx | Yes | No | $11325.00 | $16263.68 | xxxxxx | 7.083% | $4204.34 | $4204.34 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10007.55 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $185.00 |  | Monthly | 41.061% | 41.061% | 41.061% | 08/22/2022 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 67.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11325.00 | xxxxxx | 5.200% | $10000.00 | 1 |  |  |  | No | No | 6.875% | 2 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $283825.13 | 35.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773291 | xxxxxx | Non QM | xxxxxx | Yes | No | $10264.38 | $5262.83 | xxxxxx | 8.969% | $3072.97 | $3705.02 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $45463.42 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 12.119% | 10.897% | 12.119% | 06/23/2022 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10264.38 | xxxxxx | 5.370% | $0.00 | 2.7 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $44575.06 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776544 | xxxxxx | Non QM | xxxxxx | Yes | No | $13262.50 | $16810.78 | xxxxxx | 9.204% | $3888.71 | $3888.71 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30988.43 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $348.00 |  | Annually | 14.348% | 14.348% | 14.348% | 08/05/2022 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13262.50 | xxxxxx | 5.280% | $12600.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $73569.89 | 13.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777623 | xxxxxx | Non QM | xxxxxx | Yes | No | $6545.00 | $7936.73 | xxxxxx | 8.803% | $1383.33 | $1383.33 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10416.27 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 19.147% | 19.147% | 19.147% | 08/10/2022 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6545.00 | xxxxxx | 5.620% | $0.00 | 1.4 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  | xxxxxx | $148165.96 | 57.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776020 | xxxxxx | Non QM | xxxxxx | Yes | No | $5220.00 | $6159.02 | xxxxxx | 10.045% | $1478.98 | $1478.98 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10046.72 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $100.00 |  | Annually | 24.102% | 24.102% | 24.102% | 07/26/2022 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5220.00 | xxxxxx | 5.370% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $163482.55 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777212 | xxxxxx | Non QM | xxxxxx | Yes | No | $23230.00 | $14429.49 |  | 7.309% | $4105.20 | $4105.20 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6613.01 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $50.00 |  | Monthly | 43.425% | 43.425% | 43.425% | 08/19/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23230.00 |  | 5.210% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  | xxxxxx | $201802.54 | 28.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774906 | xxxxxx | Non QM | xxxxxx | Yes | No | $16619.00 | $20726.00 | xxxxxx | 8.209% | $4176.40 | $4176.40 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10680.50 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.605% | 43.605% | 43.605% | 08/25/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16619.00 | xxxxxx | 5.370% | $0.00 | 2.5 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 4 | 0 |  |  | 19.00 | No |  |  |  |  |  |  | xxxxxx | $212939.74 | 30.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 774549 | xxxxxx | Non QM | xxxxxx | Yes | No | $7638.30 | $8980.55 | xxxxxx | 9.959% | $1347.43 | $1347.43 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1904.79 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.658% | 49.658% | 49.658% | 06/27/2022 | 623 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7638.30 | xxxxxx | 5.200% | $0.00 | 1 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $20476.68 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776347 | xxxxxx | Non QM | xxxxxx | Yes | No | $7713.90 | $8960.85 | xxxxxx | 9.536% | $1424.99 | $1424.99 | 9.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5430.06 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 45.945% | 45.945% | 45.945% | 08/02/2022 | 638 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Paystubs - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7713.90 | xxxxxx | 5.060% | $0.00 | 1 |  |  |  | Yes | No | 9.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $46622.61 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776482 | xxxxxx | Non QM | xxxxxx | Yes | No | $12892.75 | $4009.72 | xxxxxx | 6.407% | $4740.48 | $4740.48 | 6.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7688.43 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $379.00 |  | Monthly | 45.830% | 45.830% | 45.830% | 03/15/2022 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12892.75 | xxxxxx | 4.490% | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $40151.23 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776538 | xxxxxx | Non QM | xxxxxx | Yes | No | $13487.00 | $6757.13 | xxxxxx | 9.613% | $5041.76 | $5041.76 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9679.75 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 48.361% | 48.361% | 48.361% | 08/11/2022 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13487.00 | xxxxxx | 5.060% | $42500.00 | 1 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $171378.37 | 23.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778232 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4877.08 | $4877.08 | 8.990% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 6 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  | 240 | xxxxxx | $188527.16 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 778018 | xxxxxx | Non QM | xxxxxx | Yes | No | $18882.80 | $22226.48 | xxxxxx | 8.969% | $4946.12 | $4946.12 | 8.625% | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $16858.81 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $693.00 |  | Annually | 41.742% | 41.742% | 41.742% | 09/02/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18882.80 | xxxxxx | 5.730% | $0.00 | 3.3 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $8499.00 | 1.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778070 | xxxxxx | N/A | xxxxxx | Yes | No | $14206.10 | $22136.66 | xxxxxx | 6.381% | $7642.59 | $7642.59 | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12336.38 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $148.00 |  | Monthly | 26.665% | 26.665% | 26.665% | 05/26/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx\| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx I Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $14206.10 | xxxxxx | 5.350% | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $431484.18 | 26.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777938 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2048.39 | $2048.39 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $250.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/25/2022 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  | xxxxxx | $71668.11 | 19.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 778330 | xxxxxx | Non QM | xxxxxx | Yes | No | $2190.00 | $5090.04 | xxxxxx | 7.434% | $5276.76 | $5276.76 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $36179.05 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 16.926% | 16.926% | 16.926% | 06/02/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2190.00 | xxxxxx | 3.610% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $45195.75 | 5.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776522 | xxxxxx | Non QM | xxxxxx | Yes | No | $10692.00 | $14533.22 | xxxxxx | 9.431% | $6108.37 | $6108.37 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10397.24 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $340.00 |  | Monthly | 46.355% | 46.355% | 46.355% | 08/30/2022 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10692.00 | xxxxxx | 5.060% | $8000.00 | 2.6 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $134347.16 | 14.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777466 | xxxxxx | Non QM | xxxxxx | Yes | No | $9858.36 | $15179.08 | xxxxxx | 7.508% | $3601.89 | $3601.89 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15548.99 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 22.726% | 22.726% | 22.726% | 08/23/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9858.36 | xxxxxx | 5.200% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 19.00 | No |  |  |  |  |  |  | xxxxxx | $243292.16 | 37.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777675 | xxxxxx | Non QM | xxxxxx | Yes | No | $7330.00 | $11087.30 |  | 7.528% | $4199.30 | $4199.30 | 7.375% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9128.59 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.587% | 37.587% | 37.587% | 09/12/2022 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7330.00 |  | 5.620% | $0.00 | 1.8 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $212855.99 | 28.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778484 | xxxxxx | Non QM | xxxxxx | Yes | No | $7730.00 | $8953.22 | xxxxxx | 6.466% | $1785.00 | $1785.00 | 6.182% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3284.99 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1200.00 |  | Annually | 42.948% | 42.948% | 42.948% | 03/30/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7730.00 | xxxxxx | 5.330% | $30000.00 | 2.1 |  |  |  | N/A | No | 6.182% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $247499.70 | 47.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775715 | xxxxxx | Non QM | xxxxxx | Yes | No | $7197.50 | $9393.62 | xxxxxx | 8.114% | $1791.03 | $1791.03 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10011.59 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $495.00 |  | Monthly | 34.918% | 34.918% | 34.918% | 08/11/2022 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7197.50 | xxxxxx | 5.610% | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $2221.68 | 1.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777940 | xxxxxx | Non QM | xxxxxx | Yes | No | $5000.00 | $8165.11 | xxxxxx | 6.940% | $1970.79 | $1970.79 | 6.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5113.18 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $316.00 |  | Monthly | 40.853% | 40.853% | 40.853% | 09/01/2022 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5000.00 | xxxxxx | 5.380% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $303702.68 | 54.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776829 | xxxxxx | Non QM | xxxxxx | Yes | No | $11066.25 | $12215.92 | xxxxxx | 7.954% | $1879.14 | $1879.14 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10035.57 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 26.229% | 26.229% | 26.229% | 08/10/2022 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11066.25 | xxxxxx | 5.950% | $0.00 | 2.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $500.00 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775474 | xxxxxx | Non QM | xxxxxx | Yes | No | $1495.00 | $4279.74 | xxxxxx | 7.403% | $4907.25 | $4907.25 | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $38160.00 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 20.903% | 20.903% | 20.903% | 08/19/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1495.00 | xxxxxx | 5.060% | $1200.00 | 1.5 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $777947.47 | 77.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778030 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1353.52 | $1406.96 | 8.156% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 8.156% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  | xxxxxx | $0.00 | 0.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 778569 | xxxxxx | Non QM | xxxxxx | Yes | No | $6180.05 | $7077.55 | xxxxxx | 6.295% | $1304.02 | $1304.02 | 6.000% | No | No | Not Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3451.98 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $385.00 |  | Monthly | 44.617% | 44.617% | 44.617% | 06/28/2022 | 630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6180.05 | xxxxxx | 5.880% | $1000.00 |  | DU |  | ApproveIneligible | No | No | 6.000% | 0 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $241650.68 | 83.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777911 | xxxxxx | N/A | xxxxxx | Yes | No | $23650.00 | $9403.82 | xxxxxx | 8.272% | $3656.25 | $4558.88 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13944.49 | 4 | xxxxxx | xxxxxx |  |  |  |  |  | 41.111% | 37.299% | 41.111% | 08/09/2022 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23650.00 | xxxxxx | 5.730% | $0.00 |  |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $70933.12 | 10.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 772143 | xxxxxx | Non QM | xxxxxx | Yes | No | $2820.00 | $7493.60 | xxxxxx | 6.292% | $6526.61 | $6526.61 | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $125852.98 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 12.455% | 12.455% | 12.455% | 08/24/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 81.32000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 81.32000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 81.32000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 81.32000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 1981 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2820.00 | xxxxxx | 5.200% | $0.00 | 1.3 |  |  |  | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $640520.47 | 48.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777419 | xxxxxx | Non QM | xxxxxx | Yes | No | $29440.56 | $38327.00 | xxxxxx | 8.252% | $10758.83 | $10758.83 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $66038.72 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 18.872% | 18.872% | 18.872% | 08/09/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29440.56 | xxxxxx | 5.620% | $15000.00 | 2.6 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $486389.92 | 28.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777656 | xxxxxx | Non QM | xxxxxx | Yes | No | $1390.00 | $2900.52 | xxxxxx | 9.387% | $1589.41 | $1589.41 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2396.80 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.941% | 49.941% | 49.941% | 09/01/2022 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns | Chapter 7 |  | xxxxxx | 1 | 20.52 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1390.00 | xxxxxx | 5.730% | $9986.85 | 1 |  |  |  | N/A | No | 9.250% | 2 |  | 2 | 0 | 2 | 0 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $138572.74 | 50.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776194 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $7346.35 | $7346.35 | 7.750% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/15/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.3 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  | 240 | xxxxxx | $3031278.86 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 778028 | xxxxxx | Non QM | xxxxxx | Yes | No | $6316.85 | $6580.91 | xxxxxx | 8.174% | $1128.34 | $1128.34 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3372.84 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $424.02 |  | Monthly | 45.064% | 45.064% | 45.064% | 08/19/2022 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6316.85 | xxxxxx | 5.200% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $88546.13 | 42.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777065 | xxxxxx | Non QM | xxxxxx | Yes | No | $3820.00 | $5975.35 | xxxxxx | 8.648% | $1126.90 | $1126.90 | 8.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3969.18 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $227.00 |  | Monthly | 40.454% | 40.454% | 40.454% | 08/03/2022 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3820.00 | xxxxxx | 5.950% | $0.00 | 3.2 |  |  |  | No | No | 8.250% | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $529827.56 | 100.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777538 | xxxxxx | Non QM | xxxxxx | Yes | No | $42348.50 | $20479.81 | xxxxxx | 9.268% | $11238.31 | $11238.31 | 9.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $18787.14 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.921% | 46.921% | 46.921% | 07/26/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $42348.50 | xxxxxx | 6.090% | $25524.50 | 1 |  |  |  | No | No | 9.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $770691.58 | 47.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777817 | xxxxxx | Non QM | xxxxxx | Yes | No | $1945.00 | $4789.39 | xxxxxx | 7.296% | $3239.84 | $3658.17 | 7.250% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10143.37 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 47.099% | 44.917% | 47.099% | 07/28/2022 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Child Support]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Child Support]; Account Statements - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-T - 2021<br> [Coborrower]; 4506-T - 2020<br> [Coborrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $1945.00 | xxxxxx | 5.620% | $0.00 | 3.4 |  |  |  | N/A | No | 7.250% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $35873.83 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775712 | xxxxxx | Non QM | xxxxxx | Yes | No | $20830.00 | $28019.87 |  | 7.579% | $8674.88 | $8674.88 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18991.81 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.777% | 37.777% | 37.777% | 07/01/2022 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20830.00 |  | 5.060% | $36500.00 | 3.4 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $140719.97 | 9.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777539 | xxxxxx | Non QM | xxxxxx | Yes | No | $11489.99 | $18393.74 | xxxxxx | 8.387% | $6954.06 | $7599.05 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31031.49 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 26.630% | 25.105% | 26.630% | 08/19/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11489.99 | xxxxxx | 5.620% | $0.00 | 1.1 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $58146.88 | 5.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778149 | xxxxxx | N/A | xxxxxx | Yes | No | $22736.37 | $8048.56 | xxxxxx | 7.593% | $2436.36 | $2436.36 | 7.375% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $6449.61 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $257.00 |  | Annually | 42.272% | 42.272% | 42.272% | 09/09/2022 | 711 | 711 | 689 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx | $22736.37 | xxxxxx | 5.200% | $0.00 | 4.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $326134.88 | 49.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777316 | xxxxxx | Non QM | xxxxxx | Yes | No | $13701.00 | $19226.44 | xxxxxx | 8.472% | $6295.61 | $6295.61 | 8.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $18687.66 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 33.060% | 33.060% | 33.060% | 08/01/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13701.00 | xxxxxx | 5.950% | $92000.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 19.00 | No |  |  |  |  |  |  | xxxxxx | $86588.86 | 8.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775730 | xxxxxx | Non QM | xxxxxx | Yes | No | $80245.00 | $84738.50 | xxxxxx | 7.718% | $12279.17 | $12279.17 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $36772.56 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $2932.18 |  | Monthly | 39.277% | 39.277% | 39.277% | 07/26/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $80245.00 | xxxxxx | 5.620% | $10000.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.47 | No |  |  |  |  |  |  | xxxxxx | $1171409.16 | 52.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777439 | xxxxxx | N/A | xxxxxx | Yes | No | $33743.50 | $22616.50 | xxxxxx | 7.810% | $3565.99 | $3565.99 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7590.01 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.567% | 41.567% | 41.567% | 07/07/2022 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $33743.50 | xxxxxx | 5.210% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  | xxxxxx | $125212.91 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778890 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4001.78 | $4001.78 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.49 | 2.05 |  |  |  |  | xxxxxx | $495580.02 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 776564 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $986.48 | $986.48 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/08/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  | 240 | xxxxxx | $137059.38 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 777519 | xxxxxx | N/A | xxxxxx | Yes | No | $39198.75 | $16007.28 | xxxxxx | 8.416% | $3872.12 | $3872.12 | 8.125% | No | No | Employed |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | $8966.91 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 31.409% | 31.409% | 31.409% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $39198.75 | xxxxxx | 5.620% | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $377567.04 | 51.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776513 | xxxxxx | Non QM | xxxxxx | Yes | No | $10115.40 | $11834.20 | xxxxxx | 8.847% | $2036.99 | $2036.99 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11322.82 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 24.071% | 24.071% | 24.071% | 08/02/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10115.40 | xxxxxx | 5.060% | $15000.00 | 1.4 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  | xxxxxx | $100100.78 | 30.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775719 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1883.84 | $1883.84 | 8.500% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  | xxxxxx | $231524.27 | 63.000% |  |  |  |  |  |  | Property Focused |
| xxxxxx | 777102 | xxxxxx | Non QM | xxxxxx | Yes | No | $13125.00 | $14300.97 |  | 8.699% | $5705.34 | $5705.34 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $73490.78 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $560.00 |  | Annually | 13.041% | 13.041% | 13.041% | 07/20/2022 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | No | xxxxxx | xxxxxx | $13125.00 |  | 5.200% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $239534.44 |  |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777532 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3695.47 | $3695.47 | 8.375% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/14/2022 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.58 |  |  |  |  | xxxxxx | $58286.29 |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 779103 | xxxxxx | Non QM | xxxxxx | Yes | No | $8380.00 | $15930.00 | xxxxxx | 6.204% | $7655.89 | $7655.89 | 6.125% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11188.77 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.044% | 49.044% | 49.044% | 05/06/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8380.00 | xxxxxx | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 6.125% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $297347.05 | 19.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777180 | xxxxxx | Non QM | xxxxxx | Yes | No | $14523.00 | $6482.87 |  | 8.983% | $4727.32 | $4727.32 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25385.24 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 21.340% | 21.340% | 21.340% | 08/31/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14523.00 |  | 5.200% | $14100.00 | 2.5 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $126594.51 | 18.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776983 | xxxxxx | N/A | xxxxxx | Yes | No | $5423.94 | $7725.23 | xxxxxx | 8.654% | $1164.24 | $1164.24 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4334.98 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $325.00 |  | Monthly | 47.734% | 47.734% | 47.734% | 08/04/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5423.94 | xxxxxx | 5.280% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $32753.20 | 17.000% |  |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777145 | xxxxxx | Non QM | xxxxxx | Yes | No | $10943.43 | $15834.13 | xxxxxx | 8.641% | $4103.71 | $4103.71 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4713.35 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 52.508% | 52.508% | 52.508% | 07/29/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10943.43 | xxxxxx | 5.280% | $0.00 | 1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $72449.92 | 12.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777531 | xxxxxx | Non QM | xxxxxx | Yes | No | $11995.00 | $6648.00 | xxxxxx | 7.897% | $10150.97 | $10150.97 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $33501.27 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $135.00 |  | Monthly | 25.849% | 25.849% | 25.849% | 08/23/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $11995.00 | xxxxxx | 5.730% | $0.00 | 3.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $560003.35 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778566 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1412.38 | $1446.57 | 8.508% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $291.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.508% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  | xxxxxx | $1466.00 |  | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 778105 | xxxxxx | N/A | xxxxxx | Yes | No | $24206.50 | $9627.72 | xxxxxx | 8.587% | $3688.25 | $3688.25 | 8.375% | No | No | Not Employed |  | Self-Employed |  | 5.26 |  |  |  | Permanent Resident Alien |  |  |  |  |  | $3895.01 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 49.196% | 49.196% | 49.196% | 09/16/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24206.50 | xxxxxx | 5.730% | $19000.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $31500.00 | 5.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778064 | xxxxxx | Non QM | xxxxxx | Yes | No | $10870.00 | $14060.92 | xxxxxx | 8.839% | $4492.19 | $5473.44 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31626.79 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.962% | 40.162% | 41.962% | 08/19/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $10870.00 | xxxxxx | 5.730% | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $746634.87 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777339 | xxxxxx | Non QM | xxxxxx | Yes | No | $14222.00 | $15947.80 | xxxxxx | 7.616% | $5328.13 | $6772.83 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6887.78 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 51.229% | 50.735% | 51.229% | 08/23/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14222.00 | xxxxxx | 5.600% | $0.00 | 1.8 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $55652.53 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779015 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2494.79 | $2494.79 | 8.125% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/13/2022 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  | xxxxxx | $543970.10 |  | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 778864 | xxxxxx | Non QM | xxxxxx | Yes | No | $17620.00 | $24234.45 | xxxxxx | 10.009% | $7036.48 | $7036.48 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13332.25 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $850.00 |  | Annually | 45.099% | 45.099% | 45.099% | 08/04/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $17620.00 | xxxxxx | 6.090% | $0.00 | 4.7 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $168088.97 | 18.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776839 | xxxxxx | Non QM | xxxxxx | Yes | No | $29460.62 | $30314.65 | xxxxxx | 9.984% | $8489.27 | $8489.27 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10446.65 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 48.476% | 48.476% | 48.476% | 07/21/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 92.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Deposit Receipt - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099 Transcript - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29460.62 | xxxxxx | 5.280% | $0.00 |  |  |  |  | Yes | No | 9.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $374527.99 | 32.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777542 | xxxxxx | Non QM | xxxxxx | Yes | No | $7140.20 | $8122.50 | xxxxxx | 9.396% | $5055.51 | $5055.51 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17281.47 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $33.00 |  | Annually | 30.020% | 30.020% | 30.020% | 08/09/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7140.20 | xxxxxx | 5.950% | $12200.00 | 1 |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $217843.80 | 32.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779041 | xxxxxx | Non QM | xxxxxx | Yes | No | $2445.78 | $3071.28 | xxxxxx | 11.477% | $1448.15 | $1448.15 | 11.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3153.82 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $366.00 |  | Annually | 41.420% | 41.420% | 41.420% | 05/16/2022 | 637 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2445.78 | xxxxxx | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 11.250% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $46652.91 |  | xxxxxx | 25 |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777915 | xxxxxx | Non QM | xxxxxx | Yes | No | $1422.43 | $1515.82 |  | 9.676% | $2752.44 | $2752.44 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $45554.55 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $395.00 |  | Annually | 12.702% | 12.702% | 12.702% | 09/07/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1422.43 |  | 5.730% | $0.00 | 1 |  |  |  | Yes | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $4000.00 | 1.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778178 | xxxxxx | Non QM | xxxxxx | Yes | No | $23665.00 | $37574.35 | xxxxxx | 8.821% | $10855.80 | $11498.29 | 8.876% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17268.46 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.443% | 50.341% | 46.443% | 09/08/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 40.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23665.00 | xxxxxx | 6.120% | $0.00 | 3.1 |  |  |  | No | No | 8.876% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $140044.00 | 8.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778056 | xxxxxx | Non QM | xxxxxx | Yes | No | $14920.00 | $19291.20 |  | 7.781% | $4111.38 | $4111.38 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9949.03 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $350.00 |  | Annually | 42.706% | 42.706% | 42.706% | 09/07/2022 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14920.00 |  | 5.730% | $5000.00 | 1.6 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778367 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1682.84 | $1682.84 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/17/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  | xxxxxx | $47700.96 |  | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 777298 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1119.69 | $1119.69 | 7.875% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $324.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/15/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  | xxxxxx | $102629.80 | 50.000% | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 778125 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1415.59 | $1415.59 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/24/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  | xxxxxx | $186535.30 |  | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 776842 | xxxxxx | Non QM | xxxxxx | Yes | No | $10745.00 | $14000.88 | xxxxxx | 8.067% | $2794.01 | $2794.01 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6431.19 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.351% | 43.351% | 43.351% | 08/06/2022 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10745.00 | xxxxxx | 5.730% | $25000.00 | 2.6 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $223955.37 | 43.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777593 | xxxxxx | N/A | xxxxxx | Yes | No | $38468.75 | $23707.87 |  | 7.516% | $3987.11 | $5176.81 | 7.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $10958.60 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 33.362% | 32.702% | 33.362% | 08/23/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $38468.75 |  | 5.460% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $96816.13 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775585 | xxxxxx | Non QM | xxxxxx | Yes | No | $6673.13 | $9082.07 | xxxxxx | 10.389% | $2668.82 | $2668.82 | 9.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $24850.51 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $778.00 |  | Monthly | 35.518% | 35.518% | 35.518% | 09/21/2022 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $6673.13 | xxxxxx | 4.310% | $0.00 | 1 |  |  |  | Yes | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $26935.75 | 10.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776556 | xxxxxx | Non QM | xxxxxx | Yes | No | $4130.60 | $5625.13 | xxxxxx | 8.726% | $2085.29 | $2085.29 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18568.01 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $330.00 |  | Monthly | 17.385% | 17.385% | 17.385% | 08/11/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; D1C Income Verification Report - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Bank Statements | Chapter 7 |  | xxxxxx | 1 | 38.88 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4130.60 | xxxxxx | 5.060% | $0.00 | 3 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $98636.35 | 29.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777359 | xxxxxx | Non QM | xxxxxx | Yes | No | $1495.00 | $5515.42 | xxxxxx | 9.430% | $7656.25 | $9055.04 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $35802.04 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 26.799% | 23.940% | 26.799% | 08/19/2022 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1495.00 | xxxxxx | 5.200% | $11825.00 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $309726.82 | 25.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777485 | xxxxxx | Non QM | xxxxxx | Yes | No | $22171.88 | $32460.82 | xxxxxx | 8.120% | $5776.08 | $5776.08 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $85825.29 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 9.764% | 9.764% | 9.764% | 08/22/2022 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2014<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22171.88 | xxxxxx | 5.200% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $32250.00 | 3.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778106 | xxxxxx | N/A | xxxxxx | Yes | No | $34425.00 | $12516.50 | xxxxxx | 7.286% | $2993.86 | $2993.86 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $299901.45 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $250.00 |  | Monthly | 1.935% | 1.935% | 1.935% | 08/12/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $34425.00 | xxxxxx | 6.090% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $961391.99 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777117 | xxxxxx | Non QM | xxxxxx | Yes | No | $15340.44 | $18220.30 | xxxxxx | 8.928% | $5189.80 | $5189.80 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $41128.82 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $207.00 |  | Monthly | 16.912% | 16.912% | 16.912% | 08/16/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $15340.44 | xxxxxx | 5.200% | $0.00 | 1.7 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $187999.65 | 24.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778466 | xxxxxx | Non QM | xxxxxx | Yes | No | $8868.75 | $9709.55 | xxxxxx | 8.988% | $3557.85 | $3557.85 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $519047.36 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 2.032% | 2.032% | 2.032% | 09/07/2022 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8868.75 | xxxxxx | 5.950% | $0.00 | 3.4 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $33624.72 | 6.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778563 | xxxxxx | Non QM | xxxxxx | Yes | No | $4615.00 | $6600.55 | xxxxxx | 9.921% | $1311.74 | $1311.74 | 9.500% | No | Yes | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4399.52 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $581.00 |  | Monthly | 34.927% | 34.927% | 34.927% | 10/03/2022 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Other | Chapter 7 |  | xxxxxx | 1 | 56.88 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4615.00 | xxxxxx | 6.090% | $0.00 | 1 |  |  |  | Yes | No | 9.500% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $147067.70 | 75.000% | xxxxxx | 8 |  |  |  |  | Mortgagor Focused |
| xxxxxx | 773994 | xxxxxx | Non QM | xxxxxx | Yes | No | $29137.50 | $36974.50 |  | 8.121% | $9389.65 | $9389.65 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $28415.38 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.379% | 41.379% | 41.379% | 07/01/2022 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $29137.50 |  | 5.060% | $0.00 | 3.7 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $191934.19 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777663 | xxxxxx | Non QM | xxxxxx | Yes | No | $10307.80 | $13840.60 | xxxxxx | 9.383% | $2780.78 | $2780.78 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7449.92 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 34.437% | 34.437% | 34.437% | 07/25/2022 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  | Audited | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Audited P&L - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10307.80 | xxxxxx | 6.380% | $250.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 12.00 | No |  |  |  |  |  |  | xxxxxx | $42740.39 | 10.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778066 | xxxxxx | N/A | xxxxxx | Yes | No | $9800.92 | $12601.87 | xxxxxx | 9.523% | $2524.15 | $2524.15 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9590.69 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $500.00 |  | Annually | 31.916% | 31.916% | 31.916% | 08/15/2022 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9800.92 | xxxxxx | 5.730% | $0.00 | 1.1 |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $235990.07 | 61.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778857 | xxxxxx | Non QM | xxxxxx | Yes | No | $17843.41 | $17707.55 | xxxxxx | 8.929% | $9102.12 | $9102.12 | 8.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17736.27 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $98.00 |  | Monthly | 48.509% | 48.509% | 48.509% | 09/12/2022 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17843.41 | xxxxxx | 6.090% | $0.00 | 1.4 |  |  |  | Yes | No | 8.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $109119.41 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777695 | xxxxxx | Non QM | xxxxxx | Yes | No | $6250.00 | $7944.58 | xxxxxx | 7.998% | $1415.59 | $1415.59 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3167.52 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 36.810% | 36.810% | 36.810% | 08/30/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6250.00 | xxxxxx | 5.730% | $0.00 |  |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $68530.47 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777807 | xxxxxx | Non QM | xxxxxx | Yes | No | $15134.95 | $17101.58 | xxxxxx | 9.044% | $2475.90 | $2475.90 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16491.11 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 15.455% | 15.455% | 15.455% | 08/11/2022 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $15134.95 | xxxxxx | 5.620% | $0.00 | 1 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $197966.95 | 43.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776642 | xxxxxx | Non QM | xxxxxx | Yes | No | $12048.63 | $13818.84 | xxxxxx | 9.063% | $2575.72 | $2575.72 | 8.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12641.28 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $350.00 |  | Annually | 21.488% | 21.488% | 21.488% | 07/27/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $12048.63 | xxxxxx | 5.590% | $0.00 | 1.2 |  |  |  | Yes | No | 8.250% | 0 | 0 | 2 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $38241.62 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778035 | xxxxxx | Non QM | xxxxxx | Yes | No | $6010.00 | $9178.00 | xxxxxx | 9.493% | $1544.88 | $1544.88 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8642.38 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 35.109% | 35.109% | 35.109% | 09/02/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6010.00 | xxxxxx | 6.790% | $1250.00 | 1.2 |  |  |  | No | No | 9.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $144690.20 | 60.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779506 | xxxxxx | Non QM | xxxxxx | Yes | No | $43795.00 | $58715.23 | xxxxxx | 8.269% | $14673.90 | $14673.90 | 7.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $266591.13 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $500.00 |  | Monthly | 7.309% | 7.309% | 7.309% | 10/03/2022 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $43795.00 | xxxxxx | 6.790% | $5000.00 | 3.1 |  |  |  | Yes | No | 7.999% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $853506.82 | 33.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778928 | xxxxxx | Non QM | xxxxxx | Yes | No | $6976.00 | $7277.23 | xxxxxx | 8.864% | $2707.22 | $2707.22 | 9.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5752.09 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.204% | 49.204% | 49.204% | 09/09/2022 | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 28.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6976.00 | xxxxxx | 5.760% | $0.00 | 1.1 |  |  |  | N/A | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $176799.36 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779564 | xxxxxx | Non QM | xxxxxx | Yes | No | $40108.75 | $53636.55 | xxxxxx | 10.157% | $11757.53 | $11757.53 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22564.33 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 38.440% | 38.440% | 38.440% | 09/19/2022 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $40108.75 | xxxxxx | 6.380% | $0.00 | 5 |  |  |  | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $30000.00 | 2.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778951 | xxxxxx | N/A | xxxxxx | Yes | No | $17165.00 | $23492.00 | xxxxxx | 8.580% | $5048.51 | $5048.51 | 8.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $33167.98 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 33.524% | 33.524% | 33.524% | 08/30/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17165.00 | xxxxxx | 6.090% | $0.00 |  |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $762188.32 | 80.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778167 | xxxxxx | Non QM | xxxxxx | Yes | No | $5259.38 | $7801.67 | xxxxxx | 8.900% | $1470.55 | $1470.55 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5459.97 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $234.00 |  | Annually | 44.383% | 44.383% | 44.383% | 09/09/2022 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5259.38 | xxxxxx | 5.730% | $0.00 | 3.9 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $2550.00 | 1.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777411 | xxxxxx | Non QM | xxxxxx | Yes | No | $16895.00 | $22047.68 | xxxxxx | 8.373% | $4109.08 | $4109.08 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7698.76 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 39.069% | 39.069% | 39.069% | 08/25/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16895.00 | xxxxxx | 5.200% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $183367.04 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779059 | xxxxxx | Non QM | xxxxxx | Yes | No | $17490.00 | $22452.13 | xxxxxx | 9.710% | $5323.20 | $5323.20 | 9.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $40283.85 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $0.00 |  | Monthly | 36.092% | 36.092% | 36.092% | 07/18/2022 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17490.00 | xxxxxx | 6.790% | $0.00 | 1.5 |  |  |  | No | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $247368.04 | 31.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779533 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2951.67 | $2951.67 | 10.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/01/2022 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 10.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.53 |  |  |  |  | xxxxxx | $221552.64 | 49.000% | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 777824 | xxxxxx | Non QM | xxxxxx | Yes | No | $14967.91 | $19693.06 | xxxxxx | 8.868% | $4063.32 | $4063.32 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6307.11 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.550% | 43.550% | 43.550% | 09/19/2022 | 607 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14967.91 | xxxxxx | 5.620% | $0.00 | 2.6 |  |  |  | No | No | 8.500% | 0 |  | 2 | 0 | 2 | 2 |  |  | 19.00 | No |  |  |  |  |  |  | xxxxxx | $153629.17 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779252 | xxxxxx | Non QM | xxxxxx | Yes | No | $19983.29 | $24047.46 | xxxxxx | 9.961% | $6176.58 | $6176.58 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $45749.62 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $700.00 |  | Annually | 20.937% | 20.937% | 20.937% | 09/22/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19983.29 | xxxxxx | 6.790% | $0.00 | 4.3 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $207789.78 | 24.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779227 | xxxxxx | Non QM | xxxxxx | Yes | No | $17595.38 | $23277.02 | xxxxxx | 8.132% | $5709.92 | $5709.92 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $109843.66 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 5.942% | 5.942% | 5.942% | 09/21/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17595.38 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.63 | No |  |  |  |  |  |  | xxxxxx | $62916.01 | 6.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777810 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3984.88 | $3984.88 | 7.625% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $973.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/08/2022 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  | xxxxxx | $171727.12 |  | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 777132 | xxxxxx | Non QM | xxxxxx | Yes | No | $52475.00 | $60064.43 | xxxxxx | 10.448% | $17736.45 | $17736.45 | 10.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $198804.91 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $3424.33 |  | Monthly | 16.376% | 16.376% | 16.376% | 08/19/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $52475.00 | xxxxxx | 6.740% | $0.00 | 4.7 |  |  |  | No | No | 10.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $847715.27 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778366 | xxxxxx | Non QM | xxxxxx | Yes | No | $11826.56 | $16349.46 | xxxxxx | 8.141% | $3866.43 | $3866.43 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17449.56 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 22.118% | 22.118% | 22.118% | 09/22/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11826.56 | xxxxxx | 5.950% | $0.00 | 1.1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $99636.00 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779128 | xxxxxx | Non QM | xxxxxx | Yes | No | $16806.25 | $20028.51 | xxxxxx | 8.260% | $3653.44 | $3653.44 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9468.84 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 38.682% | 38.682% | 38.682% | 10/12/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16806.25 | xxxxxx | 6.380% | $0.00 | 1.9 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $678899.86 | 94.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778208 | xxxxxx | Non QM | xxxxxx | Yes | No | $4270.00 | $5372.56 | xxxxxx | 9.750% | $1247.62 | $1247.62 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4881.09 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 34.401% | 34.401% | 34.401% | 08/15/2022 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4270.00 | xxxxxx | 6.380% | $0.00 | 1 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $5000.00 | 2.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776011 | xxxxxx | N/A | xxxxxx | Yes | No | $28398.71 | $19435.11 | xxxxxx | 8.181% | $3108.33 | $3108.33 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28563.81 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $2068.56 |  | Monthly | 24.787% | 24.787% | 24.787% | 09/30/2022 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2021<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - xxxxxx\| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28398.71 | xxxxxx | 5.610% | $0.00 | 2.4 |  |  |  | No | No | 7.750% | 0 |  | 2 | 0 | 4 | 0 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $165616.70 | 29.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778679 | xxxxxx | Non QM | xxxxxx | Yes | No | $25770.00 | $37998.11 | xxxxxx | 7.541% | $13053.76 | $13053.76 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28427.55 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $198.00 |  | Monthly | 46.899% | 46.899% | 46.899% | 09/21/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | Yes | xxxxxx | xxxxxx | $25770.00 | xxxxxx | 6.090% | $0.00 | 1.9 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $797083.92 | 30.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779643 | xxxxxx | Non QM | xxxxxx | Yes | No | $3515.00 | $4635.32 | xxxxxx | 5.699% | $2822.26 | $2976.52 | 5.610% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38381.72 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $557.00 |  | Monthly | 23.237% | 22.928% | 23.077% | 07/28/2022 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3515.00 | xxxxxx | 5.140% | $0.00 | 1.4 |  |  |  | N/A | No | 5.860% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $340766.17 | 54.000% | xxxxxx | 7 |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778547 | xxxxxx | Non QM | xxxxxx | Yes | No | $16485.00 | $20135.16 | xxxxxx | 7.701% | $4033.54 | $4033.54 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8592.76 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 34.675% | 34.675% | 34.675% | 09/16/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16485.00 | xxxxxx | 6.090% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 4 | 0 |  |  | 20.97 | No |  |  |  |  |  |  | xxxxxx | $198400.16 | 27.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777657 | xxxxxx | Non QM | xxxxxx | Yes | No | $23854.40 | $26742.54 | xxxxxx | 9.430% | $4057.79 | $4057.79 | 8.875% | No | No | Not Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $59155.35 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $2167.00 |  | Annually | 12.357% | 12.357% | 12.357% | 08/25/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 80.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23854.40 | xxxxxx | 5.620% | $0.00 | 3 |  |  |  | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $69211.95 | 9.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779597 | xxxxxx | N/A | xxxxxx | Yes | No | $1750.00 | $3775.78 |  | 8.140% | $3075.65 | $3075.65 | 8.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12468.05 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 22.610% | 25.904% | 22.610% | 09/19/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1750.00 |  | 6.290% | $0.00 | 2.6 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 20.97 | No |  |  |  |  |  |  | xxxxxx | $280476.84 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778409 | xxxxxx | Non QM | xxxxxx | Yes | No | $6677.25 | $7395.91 | xxxxxx | 7.889% | $1290.06 | $1290.06 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4229.32 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 31.185% | 31.185% | 31.185% | 09/08/2022 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6677.25 | xxxxxx | 5.950% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $21413.11 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778869 | xxxxxx | Non QM | xxxxxx | Yes | No | $10239.25 | $5037.99 | xxxxxx | 8.646% | $2395.17 | $2395.17 | 8.500% | No | No | Not Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9547.35 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1632.00 |  | Annually | 32.157% | 32.157% | 32.157% | 08/17/2022 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10239.25 | xxxxxx | 6.090% | $0.00 | 2.6 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  | xxxxxx | $1646952.35 | 100.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778319 | xxxxxx | Non QM | xxxxxx | Yes | No | $3082.56 | $4820.86 | xxxxxx | 9.958% | $1278.81 | $1278.81 | 9.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4212.37 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $492.00 |  | Monthly | 42.821% | 42.821% | 42.821% | 09/06/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3082.56 | xxxxxx | 6.790% | $13000.00 | 1.5 |  |  |  | Yes | No | 9.625% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $49911.45 | 28.000% | xxxxxx | 9 |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777177 | xxxxxx | Non QM | xxxxxx | Yes | No | $12851.00 | $15146.10 | xxxxxx | 7.077% | $2029.79 | $2029.79 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3718.94 | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 44.716% | 44.716% | 44.716% | 08/10/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12851.00 | xxxxxx | 5.200% | $0.00 |  |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $10268.54 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777363 | xxxxxx | N/A | xxxxxx | Yes | No | $28495.00 | $12035.45 | xxxxxx | 8.933% | $4720.20 | $4720.20 | 8.750% | No | No | Not Employed |  | Self-Employed |  | 4.02 |  |  |  | xxxxxx |  |  |  |  |  | $98208.04 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 15.592% | 15.592% | 15.592% | 08/24/2022 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2018 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $28495.00 | xxxxxx | 5.200% | $0.00 | 2.6 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $30000.00 | 4.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779467 | xxxxxx | Non QM | xxxxxx | Yes | No | $13395.00 | $15138.49 | xxxxxx | 9.041% | $2306.74 | $2306.74 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7310.05 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $275.00 |  | Monthly | 28.995% | 28.995% | 28.995% | 08/12/2022 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13395.00 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.27 | No |  |  |  |  |  |  | xxxxxx | $238147.84 | 64.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779703 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2272.90 | $2272.90 | 9.875% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2022 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  | xxxxxx | $122915.39 | 35.000% | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 777870 | xxxxxx | Non QM | xxxxxx | Yes | No | $7785.63 | $10723.82 | xxxxxx | 8.222% | $3356.98 | $3356.98 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8703.99 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 35.579% | 35.579% | 35.579% | 08/15/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 64.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7785.63 | xxxxxx | 6.790% | $3000.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $122138.88 | 20.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778422 | xxxxxx | Non QM | xxxxxx | Yes | No | $7095.00 | $7828.75 |  | 11.126% | $1372.11 | $1372.11 | 10.500% | No | No | Not Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3638.88 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.536% | 40.536% | 40.536% | 09/07/2022 | 611 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2021<br> [Borrower - xxxxxx\| Non-Primary Income - Social Security]; 1099-SSA - 2020<br> [Borrower - xxxxxx\| Primary Income - Pension]; Account Statements - 2022<br> [Borrower - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - xxxxxx\| Primary Income - Pension]; 1099-R - 2021<br> [Borrower - xxxxxx \| Primary Income - Pension]; 1099-R - 2020<br> [Coborrower(s) - [xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9 | 0 | 0 | No | xxxxxx | xxxxxx | $7095.00 |  | 5.730% | $0.00 | 1.6 |  |  |  | Yes | No | 10.500% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $72898.58 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779012 | xxxxxx | Non QM | xxxxxx | Yes | No | $4546.00 | $7218.89 | xxxxxx | 9.573% | $1941.52 | $1941.52 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9076.20 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 21.634% | 21.634% | 21.634% | 09/06/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4546.00 | xxxxxx | 6.380% | $0.00 | 3.6 |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $51892.20 | 18.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 776199 | xxxxxx | Non QM | xxxxxx | Yes | No | $3927.50 | $5736.11 | xxxxxx | 8.483% | $3705.35 | $3705.35 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7372.39 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $700.00 |  | Annually | 38.594% | 38.594% | 38.594% | 09/08/2022 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2017 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Other | Chapter 7 |  | xxxxxx | 1 | 116.52 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3927.50 | xxxxxx | 5.370% | $0.00 | 1.7 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $35303.05 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 780188 | xxxxxx | Non QM | xxxxxx | Yes | No | $7194.33 | $7703.69 | xxxxxx | 9.051% | $1169.52 | $1169.52 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4637.96 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 26.433% | 26.433% | 26.433% | 08/02/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7194.33 | xxxxxx | 7.000% | $2500.00 | 4.8 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $51121.62 | 30.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779278 | xxxxxx | Non QM | xxxxxx | Yes | No | $13530.00 | $15335.60 | xxxxxx | 10.040% | $3535.96 | $3535.96 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5944.49 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 46.991% | 46.991% | 46.991% | 08/11/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13530.00 | xxxxxx | 5.180% | $0.00 |  |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.97 | No |  |  |  |  |  |  | xxxxxx | $363358.54 | 70.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779822 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2074.36 | $2074.36 | 10.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 10.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.07 |  |  |  |  | xxxxxx | $211594.30 |  | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 778692 | xxxxxx | Non QM | xxxxxx | Yes | No | $9370.00 | $12422.08 | xxxxxx | 8.935% | $2345.19 | $2345.19 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3508.41 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.262% | 43.262% | 43.262% | 09/15/2022 | 638 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx | $9370.00 | xxxxxx | 6.090% | $0.00 | 1 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 20.97 | No |  |  |  |  |  |  | xxxxxx | $33274.33 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 775947 | xxxxxx | Non QM | xxxxxx | Yes | No | $21723.00 | $25664.90 |  | 8.294% | $4512.83 | $4512.83 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10342.55 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $998.00 |  | Monthly | 43.058% | 43.058% | 43.058% | 07/29/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; D1C Income Verification Report - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; D1C Income Verification Report - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $21723.00 |  | 5.060% | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $131761.04 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779106 | xxxxxx | Non QM | xxxxxx | Yes | No | $2099.50 | $5188.73 | xxxxxx | 9.303% | $7486.35 | $7486.35 | 9.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $21112.08 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 53.512% | 53.512% | 53.512% |  | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2012<br> [Borrower]; 4506-C - 2011<br> [Borrower]; 4506-C - 2010<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2012<br> [Coborrower]; 4506-C - 2011<br> [Coborrower]; 4506-C - 2010 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2099.50 | xxxxxx | 6.380% | $20000.00 | 1.8 |  |  |  | No | No | 9.250% | 0 | 0 | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $1443632.13 | 100.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779509 | xxxxxx | Non QM | xxxxxx | Yes | No | $22942.50 | $26502.86 | xxxxxx | 8.601% | $8673.94 | $8673.94 | 8.375% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $19446.65 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 47.433% | 47.433% | 47.433% | 10/04/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22942.50 | xxxxxx | 5.060% | $0.00 | 4.5 |  |  |  | No | No | 8.375% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $541264.76 | 38.000% | xxxxxx | 36 |  |  |  |  | Mortgagor Focused |
| xxxxxx | 777658 | xxxxxx | Non QM | xxxxxx | Yes | No | $15232.00 | $16304.52 | xxxxxx | 10.986% | $2923.11 | $2923.11 | 10.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5176.16 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $72.00 |  | Monthly | 41.744% | 41.744% | 41.744% | 08/12/2022 | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other | Chapter 7 |  | xxxxxx | 1 | 40.08 |  |  |  |  |  |  |  |  |  |  | 0 | 1 | 0 | No | xxxxxx | xxxxxx | $15232.00 | xxxxxx | 6.790% | $0.00 | 1.8 |  |  |  | Yes | No | 10.375% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $78998.71 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779091 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3756.90 | $3756.90 | 10.250% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 6 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2022 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  | xxxxxx | $60842.76 |  | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 779236 | xxxxxx | Non QM | xxxxxx | Yes | No | $5777.50 | $7612.72 | xxxxxx | 9.501% | $2690.15 | $2690.15 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5266.21 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $350.00 |  | Annually | 44.129% | 44.129% | 44.129% | 10/01/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5777.50 | xxxxxx | 6.790% | $0.00 | 1.1 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $56236.38 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779540 | xxxxxx | Non QM | xxxxxx | Yes | No | $14203.40 | $15241.87 |  | 9.909% | $3612.31 | $3612.31 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7237.40 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $600.00 |  | Annually | 47.975% | 47.975% | 47.975% | 09/19/2022 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 17.25000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 17.25000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 17.25000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14203.40 |  | 6.380% | $52000.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $114211.42 | 21.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779256 | xxxxxx | Non QM | xxxxxx | Yes | No | $9729.38 | $12536.34 | xxxxxx | 8.357% | $1910.56 | $1910.56 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13215.20 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $260.00 |  | Monthly | 20.540% | 20.540% | 20.540% | 09/04/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9729.38 | xxxxxx | 6.790% | $35500.00 | 1.1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $5000.00 | 2.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778555 | xxxxxx | Non QM | xxxxxx | Yes | No | $8539.38 | $12028.94 | xxxxxx | 9.139% | $2607.91 | $2607.91 | 8.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $9148.64 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.706% | 46.706% | 46.706% | 09/19/2022 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - xxxxxx]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - xxxxxx]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - xxxxxx]; Paystubs - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 | No | xxxxxx | xxxxxx | $8539.38 | xxxxxx | 5.950% | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 20.97 | No |  |  |  |  |  |  | xxxxxx | $99166.38 |  | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 779099 | xxxxxx | N/A | xxxxxx | Yes | No | $38045.60 | $25910.60 | xxxxxx | 9.122% | $2518.25 | $2518.25 | 8.250% | No | No | Not Employed |  | Self-Employed |  | 13.05 |  |  |  | xxxxxx |  |  |  |  |  | $71237.39 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 13.001% | 13.001% | 13.001% | 09/26/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $38045.60 | xxxxxx | 6.380% | $0.00 | 1 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $10000.00 | 2.000% | xxxxxx |  |  |  |  |  | Mortgagor Focused |
| xxxxxx | 778990 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1239.59 | $1239.59 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $535.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/14/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  | xxxxxx | $114182.92 | 52.000% | xxxxxx |  |  |  |  |  | Property Focused |
| xxxxxx | 779579 | xxxxxx | Non QM | xxxxxx | Yes | No | $86205.00 | $91165.85 | xxxxxx | 9.171% | $27847.57 | $27847.57 | 8.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $89360.07 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 34.047% | 34.047% | 34.047% | 09/23/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $86205.00 | xxxxxx | 6.790% | $9000.00 | 4.9 |  |  |  | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $2288636.12 | 42.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779436 | xxxxxx | Non QM | xxxxxx | Yes | No | $15110.00 | $16098.19 | xxxxxx | 9.504% | $3970.53 | $3970.53 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7602.43 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 42.685% | 42.685% | 42.685% | 10/04/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2009 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15110.00 | xxxxxx | 6.790% | $0.00 | 1.5 |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $268779.19 | 44.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779170 | xxxxxx | N/A | xxxxxx | Yes | No | $13074.00 | $8911.27 | xxxxxx | 8.575% | $852.53 | $852.53 | 7.750% | No | No | Not Employed |  | Self-Employed |  | 2.6 |  |  |  | xxxxxx |  |  |  |  |  | $51934.12 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $267.00 |  | Monthly | 7.261% | 7.261% | 7.261% | 09/14/2022 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $13074.00 | xxxxxx | 6.380% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $36377.93 | 21.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780461 | xxxxxx | Non QM | xxxxxx | Yes | No | $6973.75 | $9655.75 | xxxxxx | 9.681% | $2101.94 | $2101.94 | 9.250% | No | No | Not Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5954.77 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 42.778% | 42.778% | 42.778% | 09/08/2022 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6973.75 | xxxxxx | 7.030% | $0.00 | 1.5 |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  | xxxxxx | $618368.19 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 777165 | xxxxxx | Non QM | xxxxxx | Yes | No | $5283.13 | $8244.81 | xxxxxx | 9.754% | $3058.61 | $3058.61 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27494.76 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $440.00 |  | Annually | 21.592% | 21.592% | 21.592% | 10/19/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022 |  | Bank Statements | Chapter 7 |  | xxxxxx | 1 | 261.48 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5283.13 | xxxxxx | 6.380% | $5000.00 | 1.9 |  |  |  | No | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 9.00 | No |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779692 | xxxxxx | Non QM | xxxxxx | Yes | No | $7385.50 | $8087.25 | xxxxxx | 10.525% | $3199.08 | $3199.08 | 10.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $30799.00 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $285.00 |  | Monthly | 21.825% | 21.825% | 21.825% | 10/09/2022 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7385.50 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | No | No | 10.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $131699.82 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779474 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2677.47 | $2677.47 | 9.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $540.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/21/2022 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  | xxxxxx | $286182.02 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 777820 | xxxxxx | Non QM | xxxxxx | Yes | No | $16757.78 | $19723.20 | xxxxxx | 9.869% | $8024.75 | $8024.75 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $157267.22 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 8.265% | 8.265% | 8.265% | 10/06/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 37.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 37.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 37.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 37.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 37.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 37.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 37.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 37.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16757.78 | xxxxxx | 5.730% | $0.00 | 1.4 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $25000.00 | 2.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778322 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4230.89 | $4230.89 | 9.125% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  | xxxxxx | $35057.35 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779010 | xxxxxx | Non QM | xxxxxx | Yes | No | $17049.38 | $18179.30 | xxxxxx | 9.867% | $4364.06 | $5138.37 | 9.500% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15093.28 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $939.00 |  | Monthly | 32.206% | 28.728% | 32.206% | 09/19/2022 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17049.38 | xxxxxx | 6.380% | $0.00 | 1.3 |  |  |  | Yes | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $341099.35 | 46.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779780 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $7282.63 | $7282.63 | 10.875% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | No | No | 10.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.54 |  |  |  | 240 | xxxxxx | $315534.42 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780204 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4677.33 | $4677.33 | 10.375% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2022 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | No | No | 10.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.71 | 1.42 |  |  |  |  | xxxxxx |  |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780161 | xxxxxx | Non QM | xxxxxx | Yes | No | $4890.00 | $9443.26 | xxxxxx | 8.657% | $4462.50 | $5467.29 | 8.500% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15612.32 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.732% | 36.917% | 40.732% | 10/13/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $4890.00 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | No | No | 8.500% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $800825.91 | 57.000% | xxxxxx |  | 33 |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779727 | xxxxxx | Non QM | xxxxxx | Yes | No | $40852.60 | $43795.14 | xxxxxx | 8.493% | $5655.54 | $5655.54 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18110.42 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 27.381% | 27.381% | 27.381% | 10/19/2022 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $40852.60 | xxxxxx | 6.740% | $15000.00 | 1.3 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $155749.77 | 16.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778986 | xxxxxx | Non QM | xxxxxx | Yes | No | $24253.75 | $26833.30 | xxxxxx | 10.104% | $5690.68 | $5690.68 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15246.43 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 38.265% | 38.265% | 38.265% | 09/12/2022 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24253.75 | xxxxxx | 6.380% | $0.00 | 1 |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $106903.25 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 775090 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1503.52 | $1503.52 | 9.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.71 | 1.4 |  |  |  |  | xxxxxx | $129003.86 | 52.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780339 | xxxxxx | Non QM | xxxxxx | Yes | No | $7544.91 | $10066.39 | xxxxxx | 8.748% | $3436.59 | $3436.59 | 8.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6774.10 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $393.00 |  | Monthly | 44.640% | 44.640% | 44.640% | 10/13/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7544.91 | xxxxxx | 6.380% | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $36670.06 | 6.000% | xxxxxx | 9 |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778440 | xxxxxx | N/A | xxxxxx | Yes | No | $33815.00 | $17598.13 | xxxxxx | 8.370% | $3181.60 | $3181.60 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39626.90 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 35.738% | 35.738% | 35.738% | 09/08/2022 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $33815.00 | xxxxxx | 5.950% | $0.00 | 1.3 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $386074.03 | 71.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778887 | xxxxxx | Non QM | xxxxxx | Yes | No | $21050.00 | $32380.68 | xxxxxx | 9.676% | $12150.35 | $12150.35 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20583.92 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $5000.00 |  | Annually | 48.458% | 48.458% | 48.458% | 09/19/2022 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 50.000% |  | Audited | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 89.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 89.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Audited P&L - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 89.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 89.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 89.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 89.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Audited P&L - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 89.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 89.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 91.95000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 91.95000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 91.95000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21050.00 | xxxxxx | 6.380% | $291000.00 | 2.6 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 12.00 | No |  |  |  |  |  |  | xxxxxx | $74700.96 | 4.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779592 | xxxxxx | Non QM | xxxxxx | Yes | No | $8135.00 | $16812.11 | xxxxxx | 9.459% | $5462.56 | $5462.56 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12458.68 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.059% | 40.059% | 40.059% | 10/03/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8135.00 | xxxxxx | 6.790% | $3000.00 | 1 |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.97 | No |  |  |  |  |  |  | xxxxxx | $264943.25 | 32.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779260 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1126.90 | $1126.90 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $322.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/08/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  | xxxxxx | $141672.82 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779129 | xxxxxx | N/A | xxxxxx | Yes | No | $18612.52 | $11939.73 | xxxxxx | 9.670% | $1836.41 | $2192.29 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $36061.00 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.102% | 40.520% | 41.102% | 08/03/2022 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18612.52 | xxxxxx | 6.790% | $0.00 | 4.3 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $219777.73 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779511 | xxxxxx | Non QM | xxxxxx | Yes | No | $11967.85 | $19569.74 | xxxxxx | 9.775% | $5305.79 | $5305.79 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9940.96 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.589% | 41.589% | 41.589% | 09/26/2022 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11967.85 | xxxxxx | 6.790% | $1500.00 | 1 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 20.97 | No |  |  |  |  |  |  | xxxxxx | $191973.26 | 24.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778907 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2709.25 | $2709.25 | 9.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $99.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/22/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  | xxxxxx | $204624.45 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779181 | xxxxxx | Non QM | xxxxxx | Yes | No | $13210.00 | $14495.59 | xxxxxx | 8.026% | $2763.94 | $2763.94 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6016.08 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 47.582% | 47.582% | 47.582% | 08/31/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 33.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13210.00 | xxxxxx | 6.380% | $0.00 | 1.6 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $200048.79 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780693 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1279.43 | $1279.43 | 11.750% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $65.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/19/2022 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4 |  |  |  | No | No | 11.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  | xxxxxx | $26096.00 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 775286 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $7467.85 | $7467.85 | 10.750% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 8 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  | xxxxxx | $266.44 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779795 | xxxxxx | Non QM | xxxxxx | Yes | No | $19723.12 | $30025.61 | xxxxxx | 9.616% | $8837.34 | $8837.34 | 9.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $118783.62 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 14.176% | 14.176% | 14.176% | 09/07/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2019<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2019 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19723.12 | xxxxxx | 6.380% | $0.00 | 1.4 |  |  |  | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $205788.06 | 16.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780703 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1544.39 | $1544.39 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  | xxxxxx | $39344.74 | 14.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 778559 | xxxxxx | N/A | xxxxxx | Yes | No | $65750.00 | $36445.52 | xxxxxx | 8.968% | $5057.50 | $5057.50 | 8.500% | No | No | Not Employed |  | Self-Employed |  | 10.89 |  |  |  | xxxxxx |  |  |  |  |  | $73328.85 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 30.399% | 30.399% | 31.480% | 08/22/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $65750.00 | xxxxxx | 7.000% | $0.00 |  |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $296650.60 | 29.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 777125 | xxxxxx | Non QM | xxxxxx | Yes | No | $14812.53 | $19185.95 | xxxxxx | 7.674% | $3850.86 | $3850.86 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7192.30 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $387.00 |  | Monthly | 42.874% | 42.874% | 42.874% | 08/08/2022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14812.53 | xxxxxx | 5.730% | $16000.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $230400.95 | 33.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778508 | xxxxxx | Non QM | xxxxxx | Yes | No | $19673.63 | $25655.88 | xxxxxx | 11.126% | $6385.01 | $6385.01 | 10.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $55227.44 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 14.902% | 14.902% | 14.902% | 09/20/2022 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19673.63 | xxxxxx | 6.740% | $0.00 | 3.9 |  |  |  | No | No | 10.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $258046.98 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779560 | xxxxxx | N/A | xxxxxx | Yes | No | $47228.00 | $34276.58 |  | 8.470% | $5197.50 | $5679.58 | 8.250% | No | No | Not Employed |  | Self-Employed |  | 8.2 |  |  |  | Permanent Resident Alien |  |  |  |  |  | $9895.15 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.455% | 42.372% | 37.455% | 10/04/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $47228.00 |  | 6.290% | $0.00 | 5 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 360 | xxxxxx | $0.00 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778147 | xxxxxx | Non QM | xxxxxx | Yes | No | $6985.00 | $8871.65 | xxxxxx | 10.411% | $1536.98 | $1536.98 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15371.12 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 18.014% | 18.014% | 18.014% | 09/06/2022 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6985.00 | xxxxxx | 6.090% | $0.00 | 4.7 |  |  |  | No | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $156677.16 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779243 | xxxxxx | Non QM | xxxxxx | Yes | No | $6250.00 | $9614.85 | xxxxxx | 9.060% | $3286.01 | $3286.01 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5196.03 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 44.775% | 44.775% | 44.775% | 09/29/2022 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6250.00 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $74206.78 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780133 | xxxxxx | N/A | xxxxxx | Yes | No | $55395.50 | $27524.51 | xxxxxx | 9.090% | $6367.37 | $6367.37 | 9.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10550.06 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.762% | 54.716% | 49.762% | 10/03/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $55395.50 | xxxxxx | 6.560% | $0.00 | 1 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $160983.89 |  | xxxxxx | 33 |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779598 | xxxxxx | Non QM | xxxxxx | Yes | No | $16541.00 | $20585.60 | xxxxxx | 8.814% | $2722.59 | $2722.59 | 8.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5456.86 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.990% | 37.990% | 37.990% | 10/06/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16541.00 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $29885.05 | 7.000% | xxxxxx | 9 |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779745 | xxxxxx | Non QM | xxxxxx | Yes | No | $2980.00 | $10996.55 | xxxxxx | 9.199% | $6993.18 | $6993.18 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16786.01 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 33.443% | 33.443% | 33.443% | 07/21/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 53.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 53.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 53.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 53.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2980.00 | xxxxxx | 5.950% | $18365.85 | 1 |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $30000.00 | 3.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778072 | xxxxxx | Non QM | xxxxxx | Yes | No | $8661.38 | $11296.45 | xxxxxx | 10.047% | $2081.41 | $2440.10 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $269872.22 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1360.00 |  | Monthly | 7.452% | 7.329% | 7.452% | 10/17/2022 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8661.38 | xxxxxx | 5.950% | $0.00 | 999 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $95742.55 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778210 | xxxxxx | N/A | xxxxxx | Yes | No | $42117.50 | $17557.92 | xxxxxx | 9.417% | $6972.17 | $6972.17 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $35567.14 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 24.571% | 24.571% | 24.571% | 08/23/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $42117.50 | xxxxxx | 7.030% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $305964.85 | 27.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779111 | xxxxxx | Non QM | xxxxxx | Yes | No | $13516.25 | $16240.50 | xxxxxx | 10.303% | $3538.52 | $3538.52 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6128.05 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 48.657% | 48.657% | 48.657% | 09/28/2022 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available |  | Bank Statements | Chapter 13 | xxxxxx | xxxxxx | 1 |  | 43.68 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13516.25 | xxxxxx | 7.030% | $0.00 |  |  |  |  | No | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $214620.62 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780635 | xxxxxx | Non QM | xxxxxx | Yes | No | $1050.00 | $8162.21 | xxxxxx | 9.912% | $7750.02 | $7750.02 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11061.53 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.547% | 46.547% | 46.547% | 11/04/2022 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1050.00 | xxxxxx | 7.030% | $21609.51 | 4.2 |  |  |  | No | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $286258.08 | 27.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779764 | xxxxxx | N/A | xxxxxx | Yes | No | $25370.00 | $11314.27 | xxxxxx | 10.936% | $3326.75 | $3326.75 | 10.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9339.93 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.218% | 43.218% | 43.218% | 09/23/2022 | 630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25370.00 | xxxxxx | 6.740% | $0.00 | 2.3 |  |  |  | No | No | 10.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $63579.53 | 13.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779014 | xxxxxx | Non QM | xxxxxx | Yes | No | $8380.00 | $10734.35 | xxxxxx | 9.581% | $1537.46 | $1537.46 | 8.990% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9908.18 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $364.00 |  | Monthly | 36.438% | 36.438% | 36.438% | 09/11/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $8380.00 | xxxxxx | 6.380% | $7000.00 | 1.9 |  |  |  | No | No | 8.990% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $85405.40 | 38.000% | xxxxxx | 9 |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779756 | xxxxxx | Non QM | xxxxxx | Yes | No | $25658.16 | $33178.94 | xxxxxx | 8.342% | $5463.59 | $5845.95 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14703.94 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 38.122% | 41.553% | 38.122% | 10/18/2022 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25658.16 | xxxxxx | 6.290% | $0.00 | 4.3 |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.97 | No |  |  |  |  |  | 360 | xxxxxx | $27961.99 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780519 | xxxxxx | Non QM | xxxxxx | Yes | No | $19856.25 | $24992.00 | xxxxxx | 10.213% | $6384.53 | $6384.53 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14460.71 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 43.676% | 43.676% | 43.676% | 10/24/2022 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19856.25 | xxxxxx | 7.030% | $8500.00 | 1.4 |  |  |  | Yes | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $36040.58 | 4.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781139 | xxxxxx | Non QM | xxxxxx | Yes | No | $21233.00 | $24804.85 | xxxxxx | 9.787% | $4008.07 | $4008.07 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5332.56 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 46.013% | 46.013% | 46.013% | 10/14/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21233.00 | xxxxxx | 7.030% | $55000.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $22048.88 | 4.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780742 | xxxxxx | N/A | xxxxxx | Yes | No | $19408.86 | $10940.22 | xxxxxx | 9.235% | $2369.03 | $2369.03 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5457.66 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $850.00 |  | Annually | 49.406% | 49.406% | 49.406% | 09/23/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19408.86 | xxxxxx | 7.030% | $0.00 | 2.6 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $207412.26 | 52.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779446 | xxxxxx | Non QM | xxxxxx | Yes | No | $5621.00 | $8320.30 | xxxxxx | 9.027% | $1589.80 | $1589.80 | 8.625% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5380.29 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 48.622% | 48.622% | 48.622% |  | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 66.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 66.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 66.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 66.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 66.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 66.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 66.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5621.00 | xxxxxx | 6.790% | $2712.10 | 4.4 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $2717.01 | 1.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779255 | xxxxxx | Non QM | xxxxxx | Yes | No | $26020.00 | $38518.08 | xxxxxx | 8.911% | $15340.66 | $15340.66 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $43983.21 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.975% | 40.975% | 40.975% | 09/30/2022 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26020.00 | xxxxxx | 6.790% | $0.00 | 5 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.97 | No |  |  |  |  |  |  | xxxxxx | $343071.57 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779749 | xxxxxx | N/A | xxxxxx | Yes | No | $25181.88 | $17686.90 | xxxxxx | 9.349% | $4526.00 | $4526.00 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39385.67 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 24.576% | 24.576% | 24.576% | 09/28/2022 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25181.88 | xxxxxx | 6.740% | $5000.00 |  |  |  |  | No | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $37500.00 | 5.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780579 | xxxxxx | Non QM | xxxxxx | Yes | No | $34125.00 | $39260.17 | xxxxxx | 9.123% | $8339.02 | $8339.02 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46112.82 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 21.792% | 21.792% | 21.792% | 10/12/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2014 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $34125.00 | xxxxxx | 7.030% | $0.00 | 4.5 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  | xxxxxx | $443138.56 | 33.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779754 | xxxxxx | Non QM | xxxxxx | Yes | No | $24133.13 | $19659.28 | xxxxxx | 10.000% | $11440.50 | $11440.50 | 9.875% | No | No | Not Employed | Self-Employed | Self-Employed |  | 6.81 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $34874.74 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 34.508% | 34.508% | 34.508% |  | 732 | 732 | 708 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24133.13 | xxxxxx | 6.740% | $10000.00 | 1 |  |  |  | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $59687.39 | 4.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779565 | xxxxxx | Non QM | xxxxxx | Yes | No | $17071.75 | $18607.12 | xxxxxx | 10.344% | $3324.93 | $3324.93 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14559.54 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 24.531% | 24.531% | 24.531% | 09/01/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17071.75 | xxxxxx | 6.790% | $750.00 | 1.7 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $112520.77 | 26.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780425 | xxxxxx | N/A | xxxxxx | Yes | No | $29643.80 | $43994.58 | xxxxxx | 9.848% | $14959.81 | $14959.81 | 9.625% | No | No | Not Employed | Self-Employed | Self-Employed |  | 6.39 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $46282.32 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.564% | 49.564% | 49.564% | 11/01/2022 | 722 | 806 | 672 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29643.80 | xxxxxx | 7.160% | $42000.00 | 2.2 |  |  |  | Yes | No | 9.625% | 0 | 0 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $537001.65 | 24.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779225 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $5180.82 | $5180.82 | 10.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $763.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/27/2022 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 10.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  |  | xxxxxx | $2919.64 | 0.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780113 | xxxxxx | Non QM | xxxxxx | Yes | No | $18865.00 | $25167.97 | xxxxxx | 10.159% | $5803.75 | $5803.75 | 9.759% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12084.92 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 36.147% | 36.147% | 36.147% | 09/14/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18865.00 | xxxxxx | 7.030% | $0.00 | 1 |  |  |  | Yes | No | 9.759% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $101949.00 | 14.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780689 | xxxxxx | Non QM | xxxxxx | Yes | No | $6100.00 | $8327.28 |  | 8.952% | $3052.40 | $3052.40 | 8.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5884.96 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 38.222% | 38.222% | 38.222% | 10/28/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6100.00 |  | 7.030% | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $146778.06 | 30.000% | xxxxxx | 34 |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779705 | xxxxxx | N/A | xxxxxx | Yes | No | $2963.75 | $4367.75 | xxxxxx | 10.421% | $987.27 | $987.27 | 10.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17155.18 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $249.00 |  | Monthly | 30.049% | 30.049% | 30.049% | 09/23/2022 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns | Chapter 7 |  | xxxxxx | 1 | 73.68 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2963.75 | xxxxxx | 7.000% | $4500.00 | 1.1 |  |  |  | No | No | 10.000% | 0 |  | 2 | 0 | 4 | 0 |  |  | 22.27 | No |  |  |  |  |  |  | xxxxxx | $103433.71 | 69.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780599 | xxxxxx | N/A | xxxxxx | Yes | No | $16283.68 | $19196.01 | xxxxxx | 9.446% | $2800.67 | $2800.67 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $78081.95 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 12.068% | 12.068% | 12.068% | 09/13/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16283.68 | xxxxxx | 7.160% | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779531 | xxxxxx | Non QM | xxxxxx | Yes | No | $15694.00 | $19554.96 | xxxxxx | 8.673% | $5843.92 | $5843.92 | 9.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15304.83 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 45.878% | 45.878% | 45.878% | 10/04/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 76.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15694.00 | xxxxxx | 6.060% | $0.00 | 4 |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $183757.23 | 22.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779802 | xxxxxx | Non QM | xxxxxx | Yes | No | $13958.75 | $16052.27 | xxxxxx | 9.208% | $3904.63 | $3904.63 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7319.14 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.115% | 49.115% | 49.115% | 10/17/2022 | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13958.75 | xxxxxx | 6.740% | $0.00 | 2.9 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $46921.84 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779642 | xxxxxx | Non QM | xxxxxx | Yes | No | $32065.00 | $36916.32 | xxxxxx | 10.763% | $9597.31 | $9597.31 | 10.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $59924.40 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 25.903% | 25.903% | 25.903% | 10/18/2022 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | Chapter 7 |  | xxxxxx | 1 | 100.56 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32065.00 | xxxxxx | 6.740% | $0.00 | 4.2 |  |  |  | No | No | 10.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $23384.22 | 2.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778865 | xxxxxx | N/A | xxxxxx | Yes | No | $31365.00 | $11064.65 | xxxxxx | 8.728% | $4807.29 | $5796.07 | 8.875% | No | No | Not Employed |  | Self-Employed | Self-Employed | 6.64 | 6.64 |  |  | xxxxxx | xxxxxx |  |  |  |  | $125719.47 | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 11.003% | 11.070% | 11.003% | 09/22/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2002<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $31365.00 | xxxxxx | 5.980% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $622198.86 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779011 | xxxxxx | Non QM | xxxxxx | Yes | No | $16052.50 | $21695.50 | xxxxxx | 9.166% | $9373.85 | $9373.85 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $246791.45 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 9.179% | 9.179% | 9.179% | 09/27/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16052.50 | xxxxxx | 6.740% | $0.00 | 2.7 |  |  |  | No | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $496959.08 | 30.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780143 | xxxxxx | Non QM | xxxxxx | Yes | No | $11220.00 | $1611.92 | xxxxxx | 9.515% | $3430.69 | $3430.69 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7309.15 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 39.127% | 39.127% | 39.127% | 09/30/2022 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11220.00 | xxxxxx | 7.000% | $3156.01 | 2.6 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $17584.52 | 4.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781254 | xxxxxx | Non QM | xxxxxx | Yes | No | $3000.00 | $4510.48 | xxxxxx | 9.216% | $1609.25 | $1609.25 | 9.000% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4190.64 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $233.00 |  | Monthly | 48.169% | 48.169% | 48.169% | 09/23/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 86.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3000.00 | xxxxxx | 7.030% | $0.00 | 1 |  |  |  | No | No | 9.000% | 0 | 2 | 0 | 0 | 4 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $365664.62 | 93.000% | xxxxxx |  | 34 |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780059 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $566.29 | $566.29 | 7.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/07/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  | xxxxxx | $1230.00 | 1.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780065 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $759.95 | $759.95 | 8.240% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $234.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/31/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  | xxxxxx | $79277.78 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780043 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1757.27 | $1757.27 | 8.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.48 | 2.09 |  |  |  |  | xxxxxx | $141896.62 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779978 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $6991.96 | $6991.96 | 9.115% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $750.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/15/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.43 |  |  |  | 300 | xxxxxx |  |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779960 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $13152.49 | $13152.49 | 9.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $225.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/30/2022 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.44 | 2.26 |  |  |  |  | xxxxxx | $603983.35 | 29.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780054 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4158.94 | $4158.94 | 8.115% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  | 240 | xxxxxx | $22790.02 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780058 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2217.92 | $2217.92 | 8.240% | No | No |  |  |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $560.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/23/2022 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.240% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  | xxxxxx | $123294.78 | 31.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779948 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4337.19 | $4337.19 | 10.740% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2022 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  | xxxxxx | $42951.60 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779928 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1960.83 | $1960.83 | 10.240% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.48 |  |  |  |  | xxxxxx |  |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780041 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2803.98 | $2803.98 | 7.990% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.65 |  |  |  |  | xxxxxx | $217154.16 | 43.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779906 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3681.10 | $3681.10 | 11.240% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $189.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/26/2022 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 11.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.4 |  |  |  | 300 | xxxxxx | $379997.42 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780031 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2603.44 | $2603.44 | 7.740% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.43 |  |  |  |  | xxxxxx | $114795.91 | 24.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780008 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2736.21 | $2736.21 | 9.740% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2022 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.47 |  |  |  |  | xxxxxx | $152410.12 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780007 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2702.03 | $2702.03 | 8.240% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $50.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/09/2022 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  | xxxxxx | $139016.06 | 29.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779935 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4697.60 | $4697.60 | 10.240% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/24/2022 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  | 300 | xxxxxx |  |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780064 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4831.12 | $4831.12 | 7.740% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/02/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  | xxxxxx | $248832.96 | 28.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779941 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $9254.94 | $9254.94 | 8.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $750.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/22/2022 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  | xxxxxx | $1814654.20 | 100.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779984 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $10400.50 | $10400.50 | 8.990% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $292.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/08/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.57 | 1.75 |  |  |  |  | xxxxxx | $100000.00 | 6.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779908 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1321.31 | $1321.31 | 8.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2022 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 | Closed End | No |  |  | xxxxxx |  |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779920 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2190.80 | $2190.80 | 9.115% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/01/2022 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  | xxxxxx | $47262.68 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780005 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $515.00 | $515.00 | 8.240% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2022 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  | 240 | xxxxxx | $1000.00 | 1.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779997 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2819.15 | $2819.15 | 8.365% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $165.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/24/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  | xxxxxx | $286288.35 | 58.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780010 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2707.35 | $2707.35 | 8.490% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $764.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/11/2022 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.66 | 1.52 |  |  |  |  | xxxxxx | $213963.18 | 46.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780056 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1511.95 | $1511.95 | 7.990% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/02/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  | xxxxxx | $20000.00 | 7.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780724 | xxxxxx | Non QM | xxxxxx | Yes | No | $9445.00 | $10297.01 | xxxxxx | 9.362% | $1829.98 | $1829.98 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19014.14 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 18.235% | 18.235% | 18.235% | 11/10/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | Chapter 7 |  | xxxxxx | 1 | 67.44 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9445.00 | xxxxxx | 7.030% | $0.00 | 1.4 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $122925.41 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778336 | xxxxxx | Non QM | xxxxxx | Yes | No | $3020.00 | $4516.25 | xxxxxx | 9.457% | $1809.89 | $1809.89 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19549.89 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 20.188% | 20.188% | 20.188% | 08/31/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3020.00 | xxxxxx | 7.000% | $0.00 | 1.7 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $30961.45 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 777701 | xxxxxx | N/A | xxxxxx | Yes | No | $30433.00 | $15854.66 | xxxxxx | 8.207% | $4272.15 | $4272.15 | 7.950% | No | No | Not Employed |  | Self-Employed |  | 6.5 |  |  |  | xxxxxx |  |  |  |  |  | $33180.54 | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 49.756% | 49.756% | 49.756% | 10/21/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $30433.00 | xxxxxx | 6.740% | $0.00 |  |  |  |  | N/A | No | 7.950% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $156290.73 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780630 | xxxxxx | Non QM | xxxxxx | Yes | No | $24160.00 | $20395.00 | xxxxxx | 8.909% | $5700.00 | $6711.34 | 9.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $51242.56 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $205.00 |  | Monthly | 29.163% | 29.424% | 29.163% |  | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24160.00 | xxxxxx | 6.950% | $0.00 | 1 |  |  |  | No | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | 240 | xxxxxx | $45997.57 | 5.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780131 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $5265.43 | $5265.43 | 10.000% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/18/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.51 | 1.95 |  |  |  |  | xxxxxx | $48784.14 | 6.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781046 | xxxxxx | Non QM | xxxxxx | Yes | No | $19026.25 | $21360.28 | xxxxxx | 8.763% | $6343.54 | $6343.54 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $107852.25 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 8.390% | 8.390% | 8.390% | 09/20/2022 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19026.25 | xxxxxx | 7.160% | $0.00 | 2.5 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $384432.07 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780623 | xxxxxx | Non QM | xxxxxx | Yes | No | $9346.88 | $10635.54 | xxxxxx | 10.333% | $2305.47 | $2305.47 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $167020.33 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 2.710% | 2.710% | 2.710% | 10/12/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 33.74000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 33.74000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 33.74000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 33.74000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 33.74000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9346.88 | xxxxxx | 7.030% | $3500.00 | 1 |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $39621.70 | 13.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781230 | xxxxxx | Non QM | xxxxxx | Yes | No | $15830.63 | $17496.44 | xxxxxx | 8.679% | $4474.93 | $4474.93 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8782.26 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 40.427% | 40.427% | 40.427% | 09/15/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2020 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15830.63 | xxxxxx | 7.030% | $64900.00 | 3.1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  | xxxxxx | $208000.45 | 26.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780433 | xxxxxx | Non QM | xxxxxx | Yes | No | $7899.38 | $9295.20 | xxxxxx | 10.488% | $2547.40 | $2547.40 | 10.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $22959.61 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 19.311% | 19.311% | 19.311% | 09/29/2022 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7899.38 | xxxxxx | 7.000% | $450.00 | 3 |  |  |  | No | No | 10.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $4945.56 | 1.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781225 | xxxxxx | Non QM | xxxxxx | Yes | No | $14143.00 | $18075.96 | xxxxxx | 9.490% | $6449.78 | $6449.78 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15026.67 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 35.036% | 35.036% | 35.036% | 09/29/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 29.75000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 29.75000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 29.75000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 29.75000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14143.00 | xxxxxx | 7.030% | $0.00 | 1.4 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $141876.23 | 14.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781567 | xxxxxx | Non QM | xxxxxx | Yes | No | $31780.25 | $40080.05 | xxxxxx | 11.112% | $11901.89 | $11901.89 | 10.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22703.32 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $159.00 |  | Monthly | 49.575% | 49.575% | 49.575% | 11/03/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $31780.25 | xxxxxx | 7.170% | $0.00 | 2.6 |  |  |  | N/A | No | 10.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $153897.86 | 10.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780518 | xxxxxx | Non QM | xxxxxx | Yes | No | $13402.50 | $14403.48 | xxxxxx | 9.448% | $6606.08 | $6606.08 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15313.08 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 44.419% | 44.419% | 44.419% | 10/03/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.04000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.04000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.04000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.04000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13402.50 | xxxxxx | 6.740% | $16000.00 | 2.6 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  | xxxxxx | $177245.40 | 19.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779532 | xxxxxx | N/A | xxxxxx | Yes | No | $7058.75 | $9869.51 | xxxxxx | 8.250% | $3850.06 | $3850.06 | 8.625% | No | No | Not Employed |  | Self-Employed |  | 4.45 |  |  |  | xxxxxx |  |  |  |  |  | $32251.67 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 35.033% | 36.362% | 35.033% | 11/17/2022 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 36 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $7058.75 | xxxxxx | 6.280% | $0.00 | 2.2 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $491468.00 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780596 | xxxxxx | Non QM | xxxxxx | Yes | No | $11120.00 | $13272.08 | xxxxxx | 9.756% | $3202.24 | $3202.24 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7917.12 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 41.169% | 41.169% | 41.169% | 10/12/2022 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11120.00 | xxxxxx | 7.030% | $500.00 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.97 | No |  |  |  |  |  |  | xxxxxx | $55000.00 | 10.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780196 | xxxxxx | Non QM | xxxxxx | Yes | No | $18376.05 | $20018.85 | xxxxxx | 10.992% | $3517.51 | $3517.51 | 10.375% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7473.63 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 49.978% | 49.978% | 49.978% | 09/30/2022 | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other | Chapter 7 |  | xxxxxx | 1 | 104.52 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18376.05 | xxxxxx | 7.160% | $0.00 | 2 |  |  |  | N/A | No | 10.375% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $81258.63 |  | xxxxxx | 9 | 10 |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780748 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2190.07 | $2190.07 | 10.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $0.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/26/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.53 | 1.9 |  |  |  |  | xxxxxx | $51431.61 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781856 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2620.01 | $2620.01 | 9.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/10/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  | xxxxxx | $77083.37 | 18.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781507 | xxxxxx | Non QM | xxxxxx | Yes | No | $9449.71 | $11595.22 | xxxxxx | 11.706% | $1967.02 | $1967.02 | 11.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6648.89 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 29.855% | 29.855% | 29.855% | 11/16/2022 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Bank Statements | Chapter 7 |  | xxxxxx | 1 | 43.2 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9449.71 | xxxxxx | 7.170% | $0.00 |  |  |  |  | N/A | No | 11.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $41761.10 | 17.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781896 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2142.83 | $2142.83 | 10.750% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $110.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/19/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 10.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  | 240 | xxxxxx | $93000.00 | 25.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779498 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1693.64 | $1693.64 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/28/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.42 |  |  |  |  | xxxxxx | $167291.99 | 48.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780593 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1706.69 | $1706.69 | 10.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  | xxxxxx | $173204.42 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780804 | xxxxxx | N/A | xxxxxx | Yes | No | $15305.00 | $5010.46 | xxxxxx | 8.189% | $3033.38 | $3033.38 | 8.625% | No | No | Not Employed |  | Employed | Employed | 0.45 | 8.9 |  |  | xxxxxx | xxxxxx |  |  |  |  | $11436.92 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.766% | 40.595% | 37.766% | 10/31/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15305.00 | xxxxxx | 6.810% | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $451373.25 | 69.000% | xxxxxx |  |  | 10 | 34 | UTD | Mortgagor Focused |
| xxxxxx | 781057 | xxxxxx | Non QM | xxxxxx | Yes | No | $6094.00 | $7885.55 | xxxxxx | 8.416% | $3455.08 | $3455.08 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13705.61 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 34.786% | 34.786% | 34.786% | 10/17/2022 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 86.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 86.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 86.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 86.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 86.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6094.00 | xxxxxx | 7.170% | $200000.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780727 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1344.16 | $1344.16 | 10.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/12/2022 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 10.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  | xxxxxx | $137211.03 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781136 | xxxxxx | N/A | xxxxxx | Yes | No | $12430.00 | $13634.03 | xxxxxx | 11.029% | $10032.35 | $10032.35 | 10.875% | No | No | Not Employed |  | Self-Employed |  | 8.17 |  |  |  | xxxxxx |  |  |  |  |  | $65538.61 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 13.762% | 13.762% | 13.762% | 11/02/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $12430.00 | xxxxxx | 7.160% | $0.00 | 2.3 |  |  |  | N/A | No | 10.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $66000.00 | 5.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780911 | xxxxxx | Non QM | xxxxxx | Yes | No | $6245.00 | $7175.77 |  | 10.135% | $1804.22 | $1804.22 | 9.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $11781.25 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 21.876% | 21.876% | 21.876% | 10/10/2022 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6245.00 |  | 6.640% | $0.00 | 1 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 12.00 | No |  |  |  |  |  |  | xxxxxx | $260523.19 | 93.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 779701 | xxxxxx | Non QM | xxxxxx | Yes | No | $14229.00 | $15779.40 | xxxxxx | 8.879% | $2922.59 | $2922.59 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5983.58 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 37.889% | 37.889% | 37.889% | 08/04/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 86.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | Chapter 7 |  | xxxxxx | 1 | 76.32 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14229.00 | xxxxxx | 6.460% | $0.00 | 3.1 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $15966.95 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780712 | xxxxxx | Non QM | xxxxxx | Yes | No | $6534.00 | $9971.67 | xxxxxx | 9.847% | $1976.24 | $1976.24 | 9.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8963.94 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 28.219% | 28.219% | 28.219% | 10/21/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6534.00 | xxxxxx | 7.160% | $3645.60 | 1 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $5940.00 | 2.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 780574 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $13500.00 | $13500.00 | 9.000% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/16/2022 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  | 240 | xxxxxx | $1239853.51 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781260 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1514.11 | $1514.11 | 11.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/12/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 11.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.73 | 1.38 |  |  |  |  | xxxxxx | $94400.01 | 47.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781405 | xxxxxx | Non QM | xxxxxx | Yes | No | $23845.00 | $27877.00 | xxxxxx | 8.907% | $11716.32 | $11716.32 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22398.38 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $250.00 |  | Monthly | 44.124% | 44.124% | 44.124% | 11/03/2022 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23845.00 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 22.00 | No |  |  |  |  |  |  | xxxxxx | $339254.64 | 19.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781402 | xxxxxx | Non QM | xxxxxx | Yes | No | $10000.00 | $10475.00 |  | 8.616% | $5569.51 | $5569.51 | 8.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10524.53 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 44.834% | 49.770% | 44.834% | 11/07/2022 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10000.00 |  | 6.670% | $0.00 | 1.1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx |  |  | xxxxxx | 11 |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781875 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2000.76 | $2000.76 | 11.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/26/2022 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 11.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  | xxxxxx | $136547.79 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780531 | xxxxxx | Non QM | xxxxxx | Yes | No | $13421.03 | $15968.91 | xxxxxx | 11.011% | $3933.88 | $3933.88 | 10.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10949.62 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $465.00 |  | Annually | 35.516% | 35.516% | 35.516% | 09/22/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13421.03 | xxxxxx | 6.470% | $0.00 | 1 |  |  |  | No | No | 10.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $117892.75 | 24.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781728 | xxxxxx | Non QM | xxxxxx | Yes | No | $16869.38 | $20871.80 | xxxxxx | 11.101% | $4366.36 | $4366.36 | 10.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19806.33 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 33.047% | 33.047% | 33.047% | 10/19/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16869.38 | xxxxxx | 7.170% | $22500.00 | 4.1 |  |  |  | No | No | 10.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $47070.92 | 9.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781647 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2174.73 | $2174.73 | 9.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $443.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/24/2022 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  | xxxxxx | $122454.28 | 36.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 782145 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $7782.32 | $7782.32 | 11.000% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.7 |  |  |  | No | No | 11.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  | 240 | xxxxxx | $225000.00 | 20.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 782141 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $7782.32 | $7782.32 | 11.000% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 11.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  | 240 | xxxxxx | $225000.00 | 20.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781721 | xxxxxx | Non QM | xxxxxx | Yes | No | $14268.13 | $18690.65 | xxxxxx | 8.367% | $3577.10 | $3577.10 | 8.000% | No | No | Employed | Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $6920.46 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $292.00 |  | Monthly | 43.736% | 43.736% | 43.736% | 11/21/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14268.13 | xxxxxx | 7.170% | $10000.00 | 1 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $140566.55 | 22.000% | xxxxxx | 36 | 36 |  |  | UTD | Mortgagor Focused |
| xxxxxx | 782142 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $7782.32 | $7782.32 | 11.000% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.9 |  |  |  | No | No | 11.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  | 240 | xxxxxx | $225000.00 | 20.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 782044 | xxxxxx | Non QM | xxxxxx | Yes | No | $7319.80 | $9803.74 | xxxxxx | 10.867% | $3640.02 | $3640.02 | 10.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5522.00 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $600.00 |  | Annually | 48.986% | 48.986% | 48.986% | 11/18/2022 | 623 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 73.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7319.80 | xxxxxx | 6.630% | $0.00 | 1.5 |  |  |  | N/A | No | 10.625% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $54140.70 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781249 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1456.90 | $1456.90 | 11.250% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $350.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/06/2022 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | 11.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  | xxxxxx | $104975.64 | 47.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781544 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1372.11 | $1372.11 | 10.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2022 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 10.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  | xxxxxx | $35775.60 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 780987 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1697.20 | $1697.20 | 10.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $240.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/26/2022 | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | 10.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1.01 |  |  |  |  | xxxxxx | $65441.88 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781210 | xxxxxx | Non QM | xxxxxx | Yes | No | $8185.00 | $9170.56 | xxxxxx | 10.362% | $2457.20 | $2457.20 | 10.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6481.35 | 1 | xxxxxx | xxxxxx | xxxxxx |  | $55.00 |  | Monthly | 39.673% | 39.673% | 39.673% | 12/06/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8185.00 | xxxxxx | 6.370% | $0.00 |  |  |  |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $37924.09 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 778837 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2148.62 | $2148.62 | 8.250% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/14/2022 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  | xxxxxx |  |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781502 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $9268.24 | $9268.24 | 11.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $100.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/25/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 11.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.54 | 1.87 |  |  |  |  | xxxxxx | $186176.80 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781834 | xxxxxx | Non QM | xxxxxx | Yes | No | $16540.00 | $19289.71 | xxxxxx | 10.785% | $4889.20 | $4889.20 | 10.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $45297.52 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 13.313% | 13.313% | 13.313% | 10/20/2022 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2002 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16540.00 | xxxxxx | 6.640% | $0.00 | 2.6 |  |  |  | Yes | No | 10.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $695794.27 | 100.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 782914 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2713.17 | $2713.17 | 9.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $50.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/10/2022 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  | xxxxxx | $355393.92 | 78.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 779602 | xxxxxx | Non QM | xxxxxx | Yes | No | $15200.52 | $16827.82 | xxxxxx | 10.995% | $2910.88 | $2910.88 | 10.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3214.73 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 50.565% | 50.565% | 50.565% | 09/28/2022 | 630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15200.52 | xxxxxx | 6.470% | $0.00 | 1 |  |  |  | N/A | No | 10.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  | xxxxxx | $12681.47 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 781209 | xxxxxx | Non QM | xxxxxx | Yes | No | $23182.00 | $26550.49 | xxxxxx | 9.237% | $6078.73 | $6078.73 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20194.87 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 33.084% | 33.084% | 33.084% | 10/17/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23182.00 | xxxxxx | 7.030% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $157935.08 | 17.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 774918 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1870.58 | $1870.58 | 8.625% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/11/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  | xxxxxx | $231355.74 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 782393 | xxxxxx | N/A | xxxxxx | Yes | No | $87570.00 | $45894.13 | xxxxxx | 8.915% | $6871.05 | $6871.05 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17331.27 | 2 | xxxxxx | xxxxxx |  |  |  |  |  | 38.542% | 38.542% | 38.542% | 12/13/2022 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $87570.00 | xxxxxx | 6.470% | $10000.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 21.97 | No |  |  |  |  |  |  | xxxxxx | $56000.00 | 5.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 782317 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3314.96 | $3314.96 | 9.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $1600.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/26/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  | xxxxxx | $88748.00 | 15.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 777931 | xxxxxx | Non QM | xxxxxx | Yes | No | $6190.50 | $7300.70 | xxxxxx | 11.212% | $1386.15 | $1386.15 | 10.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2987.74 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 47.652% | 47.652% | 47.652% | 11/03/2022 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6190.50 | xxxxxx | 6.640% | $0.00 | 3.1 |  |  |  | Yes | No | 10.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  | xxxxxx | $84988.83 |  | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 782479 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $1283.48 | $1283.48 | 9.625% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 3 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/13/2022 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.89 | 0.53 |  |  |  |  | xxxxxx | $56696.86 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781560 | xxxxxx | Non QM | xxxxxx | Yes | No | $19745.00 | $23112.33 | xxxxxx | 10.288% | $5453.23 | $5453.23 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19746.29 | 1 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $336.73 |  | Monthly | 35.503% | 35.503% | 35.503% | 10/11/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19745.00 | xxxxxx | 7.170% | $0.00 | 2.8 |  |  |  | No | No | 9.875% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $78500.00 | 10.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |
| xxxxxx | 782859 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $2106.18 | $2106.18 | 10.000% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2022 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  | xxxxxx | $132049.21 | 41.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 781215 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3825.34 | $3825.34 | 10.375% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx | xxxxxx |  | $92.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/04/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 10.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  | xxxxxx | $323380.61 | 50.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 782810 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $3033.38 | $3033.38 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/07/2022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  | xxxxxx | $66608.33 | 13.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 783008 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4574.96 | $4574.96 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/15/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  | xxxxxx | $247570.35 |  | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 782463 | xxxxxx | N/A | xxxxxx | Yes | No |  |  |  |  | $4407.56 | $4407.56 | 11.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 6 | xxxxxx | xxxxxx |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2022 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 11.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  | xxxxxx | $273084.79 | 43.000% | xxxxxx |  |  |  |  | UTD | Property Focused |
| xxxxxx | 783062 | xxxxxx | Non QM | xxxxxx | Yes | No | $9594.28 | $15348.15 | xxxxxx | 9.328% | $5142.16 | $5142.16 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $35560.65 | 1 | xxxxxx | xxxxxx |  |  |  |  |  | 21.843% | 21.843% | 21.843% | 12/05/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9594.28 | xxxxxx | 6.250% | $0.00 | 2.5 |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  | xxxxxx | $57862.53 | 7.000% | xxxxxx |  |  |  |  | UTD | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**AMC Tax and title report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 777257 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09/16/2022 |  | Yes | 14 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 777264 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09/17/2022 |  | Yes | 12 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 777269 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09/16/2022 |  | Yes | 16 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**clayton services llc ("Clayton") due diligence narrative report**

Verus 2023-2

![](image_005.jpg)

**February 23, 2023<br> Due Diligence Narrative Report** 

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

VERUS 2023-2 Due Diligence Narrative Report Page \| 1 February 23, 2023

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**Clayton Contact Information**

**Client Service Management:** 

---

| | |
|:---|:---|
| **Stephany Hoffman** | Client Service Director |
|  | Phone: (813) 371-0269/E-mail: <u>swright@clayton.com</u> |
| **Joe Ozment** | Vice President – Client Services & Securitization |
|  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC (Clayton") conducted an independent third-party pre-securitization due diligence review of residential loans selected for the Verus Securitization 2023-2. The loans referenced in this narrative report were reviewed from 3/2022 to 1/2023 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 206 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 192 | 93.20% |
| Retail | 14 | 6.80% |
| **Total** | **206** | **100.00%** |

---

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

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

VERUS 2023-2 Due Diligence Narrative Report Page \| 2 February 23, 2023

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Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 206 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 206 |  |

---

Sponsor Acquisition Criteria

The loan was underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by Fitch Ratings, Inc. and Kroll Bond Rating Agency ("KBRA").

VERUS 2023-2 Due Diligence Narrative Report Page \| 3 February 23, 2023

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TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (206 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Drive By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full Appraisal

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

VERUS 2023-2 Due Diligence Narrative Report Page \| 4 February 23, 2023

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Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment
penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required
rate reduction per discount point. Clayton evaluated the lender's
exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold
per discount point.

- Prepayment Penalty restrictions.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

VERUS 2023-2 Due Diligence Narrative Report Page \| 5 February 23, 2023

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

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

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

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

VERUS 2023-2 Due Diligence Narrative Report Page \| 6 February 23, 2023

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

Data Integrity

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

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

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

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

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

Data Capture

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

VERUS 2023-2 Due Diligence Narrative Report Page \| 7 February 23, 2023

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**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **Accuracy** |
| Assumable ID | 12 | 94.17% |
| Borrower 1 First Time Home Buyer | 5 | 97.57% |
| Borrower 1 Last Name | 1 | 99.51% |
| Borrower 1 Self Employed Flag | 1 | 99.51% |
| Borrower 2 First Name | 1 | 99.51% |
| Borrower 2 Last Name | 1 | 99.51% |
| Borrower DSCR Percent | 5 | 97.57% |
| Cash Reserves | 81 | 60.68% |
| Credit Report Date | 17 | 91.75% |
| Debt to Income Ratio (Back) | 14 | 93.20% |
| Disbursement Date | 20 | 90.29% |
| Documentation Type | 124 | 39.81% |
| First Rate Change Date | 28 | 86.41% |
| Loan Purpose | 2 | 99.03% |
| Min Number | 1 | 99.51% |
| Minimum Rate | 1 | 99.51% |
| Months Reserves | 111 | 46.12% |
| Note Rate | 1 | 99.51% |
| Number of Units | 1 | 99.51% |
| Original Appraisal Date | 17 | 91.75% |
| Original Appraised Value | 5 | 97.57% |
| Original P&I | 2 | 99.03% |
| Origination Date | 4 | 98.06% |
| Periodic Rate Cap | 51 | 75.24% |
| Product Type | 64 | 68.93% |
| Property Type | 6 | 97.09% |
| Representative Credit Score for Grading | 1 | 99.51% |
| Total Cash Out | 73 | 64.56% |

---

VERUS 2023-2 Due Diligence Narrative Report Page \| 8 February 23, 2023

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 153 | 4 | 11 | 22 | **190** |
| **Final** | **B** |  | 7 | 7 | 2 | **16** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **153** | **11** | **18** | **24** | **206** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 172 |  | 8 | 16 | **196** |
| **Final** | **B** |  | 5 | 4 | 1 | **10** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **172** | **5** | **12** | **17** | **206** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 191 | 3 | 2 | 6 | **202** |
| **Final** | **B** |  | 4 |  |  | **4** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **191** | **7** | **2** | **6** | **206** |

---

VERUS 2023-2 Due Diligence Narrative Report Page \| 9 February 23, 2023

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**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 141 | 1 | 3 | 2 | **147** |
| **Final** | **B** |  |  | 2 |  | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **141** | **1** | **5** | **2** | **149** |

---

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

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Valuation Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Rating Agency Grades 2.0

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Business Purpose Supplement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. ASF Supplement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Non/QM ATR Upload

VERUS 2023-2 Due Diligence Narrative Report Page \| 10 February 23, 2023

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**Appendix A: Credit Review Scope**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower eligibility, including:

- Citizenship status

- Non-occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction eligibility, including:

- Maximum loan amount

- Loan purpose

- Occupancy

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents, including:

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

VERUS 2023-2 Due Diligence Narrative Report Page \| 11 February 23, 2023

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

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- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

- Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

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

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

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

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

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**Appendix B: Origination Appraisal Assessment**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

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&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

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

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

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

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

VERUS 2023-2 Due Diligence Narrative Report Page \| 19 February 23, 2023

![](image_006.jpg)

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

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

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

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

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

---

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

---

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

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

---

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

---

VERUS 2023-2 Due Diligence Narrative Report Page \| 20 February 23, 2023

![](image_006.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

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

---

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

---

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

VERUS 2023-2 Due Diligence Narrative Report Page \| 21 February 23, 2023

![](image_006.jpg)

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

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

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2023 Clayton Services LLC. All rights reserved.

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

VERUS 2023-2 Due Diligence Narrative Report Page \| 22 February 23, 2023

## Exhibit 99.10

**EXHIBIT 99.10**

**clayton conditions report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2023-2** |
| **Start - End Dates:** | **03/2022-1/2023** |
| **Deal Loan Count:** | **206** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *206* |
| ***Loans with Conditions:*** | *58* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Kroll / Fitch Initial Securitization Compliance Loan Grade** | **Kroll / Fitch Final Securitization Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 768212 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score is 741. Minimum score is 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report, all tradelines are paid 0x30.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history is 0x30. |
| 768239 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past due in 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds 680 minimum<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 768245 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Reserves of $2,146 as .66 months PITIA Guidelines require No Reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit Score 693 Guidelines allow 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has Good credit history with 0 Late Payments < 24 Months |
| 768253 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Grantor 1 xxxxxx has been in current residence for 5+ years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $1,020,634.88 minus cash from borrower at closing of $107,157.66 leaves $913,477.22 exceeding the Required Reserves of = $0.00<br>CFCFS2860: Good credit history<br> - Clayton Comments: Grantor 1 has good credit history with no reported lates on report |
| 768268 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR 1.07, >1<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $0.00Available Reserves: $1,130,499.52<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only made use of 3.96% of an available $10,250 Credit Line |
| 768279 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit Score 721 Guidelines allow 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has Good credit history with 0 Late Payments < 24 Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Reserves of $72,739 as 33.78 months PITIA Guidelines require 6 months or ($2,153 X 6 = $12,918) |
| 768288 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing Desk Review to support the original appraised value of xxxxxx or a UCDP can be used if its within tolerance allowed. | 3.30.2022- Client Response- Provided UCDP 3.30.2022- Clayton Response - Provided documentation satisfies condition | 3.30.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Credit established 2004; >90% of revolving available<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: less than 10% of revolving available<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 yrs vs 2 yrs |
| 768451 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $0.00Available Reserves: $36,348.49<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have only made se of 2.28% of an available $20,200.00 credit line<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0x30 for 60+ months |
| 768464 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 is the minimum, qualifying score for borrower 709.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $257,256.25 . $0.00 reserves required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at his current residence for 7 years |
| 768469 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets after closing 25.42 mos. PITI. Cash reserves $72,084.85 exceeds guidelines of $0.00 reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at his current residence for 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score 698 which exceed the guideline of 68 |
| 768471 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 6 months PITI, required 0 on a purchase per guidelines..<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 758 exceed required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 in the past 36 months.. |
| 769724 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $112,163.04 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 741 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 4 years |
| 770043 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 739 exceed guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $35,996.98 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 80% is below guidelines requirements |
| 770878 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower Verified cash reserves $35,819.11 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 697 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 78% is below guideline requirements |
| 771196 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $180,067.76 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 21 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 703 exceeds guidelines |
| 771415 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 802 exceed guideline requirement of 600 with 202 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 2 years at current address |
| 771470 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $294,820.82 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 732 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 80% is below guideline requirements |
| 771851 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Missing a copy of the asset statement for xxxxxx due to large transfer ($35000) on xxxxxx into xxxxxx. In the event this account is held jointly, please provide the applicable letter of authorization for joint account-holder. | 6.23.2022-Client Response- Provided xxxxxx statement, withdrawal verification and LOE xxxxxx-Clayton Response- Provided documentation satisfies exception | 6.23.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 749, NONI Matrix Minimum: 680<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/07/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR is 1.3722, exceeds .75%, per NONI Matrix published on 01/03/2022. |
| 771851 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Notary date reflected on the Mortgage is xxxxxx. Credit report in file dated 07/27/2022 | 6.23.2022-Client Response- Provided xxxxxx statement, withdrawal verification and LOE xxxxxx-Clayton Response- Provided documentation satisfies exception | 6.23.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 749, NONI Matrix Minimum: 680<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/07/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR is 1.3722, exceeds .75%, per NONI Matrix published on 01/03/2022. |
| 771851 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH121 | Bankruptcy history does not meet guidelines | No | The borrower was discharged on xxxxxx, Closing Date per HUD-1 is xxxxxx, totaling 39 months. Seasoning of 48 months was not completed. | 6.24.2022 Exception remains. Have not received documentation from Client. | 06.28.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 749, NONI Matrix Minimum: 680<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/07/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR is 1.3722, exceeds .75%, per NONI Matrix published on 01/03/2022. |
| 772805 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 FICO exceeds the 680 required |
| 772918 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has been at residence for 19 yrs<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 fico exceeds the 680 required |
| 772962 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP179 | Condition of Subject Below Average | No | Per appraisal subject is in fair to average condition. | 6.30.2022-Clayton comment- upon further review, "fair to average" stated on appraisal. This satisfies condition. | 6.30.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 773037 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance Binder | 7.14.2022-Client Response- Provided HOI policy 7.14.2022-Clayton Response- Provided documentation satisfies exception. Policy effective date xxxxxx | 7.14.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 683 exceed guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves exceed guidelines |
| 773067 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 743<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 17% credit utilization in file |
| 773120 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Missing Credit report for borrower. | 8.11.2022- Client Response- Provided credit report8.11.2022- Clayton Response- Provide documentation satisfies exception | 8.11.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $29,319.73 or 8.39 months PITI<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65 below 85% per guideline |
| 773156 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 715<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 56.69 months piti reserves |
| 773342 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing SS-4 Letter from IRS and documentation from lender confirming they have reviewed the organization documents provided and approve LLC. | 8.2.2022-Client Response- Provided lender approval 8.2.2022- Clayton Response- Provided documentation satisfies exception | 8.2.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/23/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; Cash-Out proceeds are $100,846.61, exceeds 6 mos. requirement of $10,950 ($1825\*6).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 51.06%, theLender: 60% |
| 773347 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR4775 | Missing Market Rent Analysis | No | Missing Market Rent Analysis (Form 1007). | 7.14.2022-Client Response- Provided 1005 D dated 6.10. rent schedule 7.14.2022-Clayton Response- Provided documentation satisfies exception | 7.14.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No required reserves. Post closing reserves are $51,663.35.<br>CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Borrower has additional assets not used to qualify.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV is 80%, LTV is 65%. |
| 773500 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 qualifying fico in file<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage lates in past 24 months |
| 773509 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 fico exceeds the 680 required<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 773623 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing supporting documentation borrower has access to funds in the name of xxxxxx for xxxxxx account ending #0533. | 7.19.2022- Client Response- Provided SOS documentation showing xxxxxx as sole authorized representative for xxxxxx 7.19.2022-Clayton Response- Provided documentation verifies ownership of xxxxxx to that of borrower, xxxxxx and therefore satisfies exception | 7.19.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 768 exceeds 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $180,887.98 or 68.92 months PITI. |
| 773753 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been Self Employed with the current Employer for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 649; guideline minimum is 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 25.29%; guideline maximum is 50%. |
| 773754 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date | Client response: 5/24/2022 - Please see the attached evidence that borrower acknowledged receipt of CD 3 days prior to consummation date. Please clear the exceptionClayton Response: 5/25/2022 - Client provided proof the CD was delivered to Borrower on xxxxxx days prior to consummation date. Exception satisfied | Clayton conclusion: Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current. |
| 773755 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 621<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 65.00<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession - 7 years |
| 773758 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed with xxxxxx for 22 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: The Borrower has had 0x30 on the current mortgage for more than 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrowers resided at the current residence for 6 years. |
| 773760 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 40 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.40% is below guideline requirement of 75% |
| 773761 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV IS 71.40; guideline maximum is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $639,039.27. |
| 773765 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 674.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 2 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 16 years. |
| 773767 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.50%; guideline maximum is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 702; guideline minimum was 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrowers have resided in their current residence for 10 years. |
| 773771 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide a Final HUD 1 Settlement Statement. File contains an Estimated HUD. | 5.17.2022 Client responded - Please see the attached Final Hud 1. Please clear the condition. 5.17.2022 Upon further review client sent the Final Buyer's HUD 1. No further action required. Exception satisfied. | 5.17.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 751<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current. |
| 773775 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $120,094.12<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 750 |
| 773776 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit is 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 66.84Max LTV allowable per Guideline: 75% |
| 773842 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 yrs<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 773932 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH818 | Credit report date greater than transaction date | No | Notary date reflected on the Mortgage is xxxxxx. Credit report in file dated 07/27/2022 | 8.5.2022-Client Response- Provided credit report dated 6.3.228.5.2022-Clayton Response- Provided documentation satisfies exception. | 8.5.2022-Exception Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1% credit utilization in file<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 40.74 months piti reserves |
| 774008 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing unexpired passport and evidence of a prior renewal of EAD with approved renewal application. EAD card in file expires xxxxxx, which is less than xxxxxx months of Note date per guideline. | 8.16.2022- Client Response- Provided EAD with xxxxxx.16.2022- Clayton Response- Provided documentation satisfies exception | 8.16.22-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 782<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 49 months piti reserves in file |
| 774017 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42.54 months piti reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 20 years |
| 774194 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 fico exceeds the 680 required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has been at current residence for 16 yrs<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 774196 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Appraisal incomplete. All pages of appraisal are cut off at the bottom including the value. | 7.21.2022 Client provided complete Appraisal. 7.21.2022 Exception satisfied. | 7.21.2022 Exception satisfied. Client provided complete Appraisal | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 83 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $116,675.91 or 49.09 months PITI<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 16 years. |
| 774546 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35.98 months piti reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 qualifying fico score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months |
| 774678 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for past 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.06 months piti reserves in file |
| 774680 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 95.89 months piti |
| 774687 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 24 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 98.94 months piti reserves |
| 774715 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 qualifying fico in file<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 113.89 months piti reserves |
| 774730 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $11,507.92 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 719 exceed guidelines |
| 775048 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 65% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 697 exceed guidelines |
| 775105 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline requirements for this program |
| 775224 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying fico<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 18.59 months piti reserves in file |
| 775241 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 775322 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $109,696.34; required reserves $2089.22 x 6 = $12,535.32. |
| 775327 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory account history per credit report dated 07/26/22.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 749, theLender Minimum: 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Close assets (not including gift) of $20,949.71 exceeds 6 mos. requirement of $15,672.00. |
| 775328 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 Fico exceeds the 680 required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has been at current residence for 15 yrs |
| 775329 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 49.79 months piti reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit in past 24 months |
| 775335 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $68,533.59 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 697 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 775368 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 793, theLender: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Credit report dated 07/14/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0330, theLender Minimum: 1.0001 |
| 775440 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $33,307.05 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 787 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 775509 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 756<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 27% credit utilization in file<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 48 months |
| 775658 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 29 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 720 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $953,072.40 or 114.83 months PITI |
| 775874 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 711 is above the minimum 660 requirement.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum allowable 80%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good credit history with no derogatory credit since 2016. |
| 775879 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing Annual Premium for subject property. Premium is not reflected on Hazard Binder and no invoice in file. | 9.8.2022-Client Response- Provided business HOI with property breakout of cost | 9.8.2022- Clayton Response- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds 700 per guideline<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified $64,799.46 or 33.46 months PITI. |
| 775879 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD for subject property xxxxxx. HUD in file is for property located at xxxxxx | 9.8.2022-Client Response- Provided documentation of final HUD 1 | 9.8.2022- Clayton Response- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds 700 per guideline<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified $64,799.46 or 33.46 months PITI. |
| 775879 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Committee Approval for 4 or more financed loans. Per LOE in file for hazard, in process of refinancing xxxxxx xxxxxx xxxxxx and subject property xxxxxx. | 9.8.2022- Client Response- Provided internal emails regarding the 4 referenced loans of this applicant. Correspondence states that 2 of the loans, xxxxxx were withdrawn. | 9.8.2022- Clayton Response- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds 700 per guideline<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified $64,799.46 or 33.46 months PITI. |
| 776119 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 740 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 52 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $247,353.05 or 92.91 months PITI |
| 776241 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $232,030.56 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 2 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 65% is below guideline requirements |
| 776246 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 778 exceed guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $4,404.88 exceed guidelines |
| 776351 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $425,463.42 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 4 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 743 exceeds guidelines |
| 776413 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.66% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying fico<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months |
| 776933 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $188,402.36 OR 39.63 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 pat 12 months |
| 776949 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit in past 24 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower as been at current place of residence for 5 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower is 0\*30 rental history in past 60 months |
| 777001 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 709.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a Good credit history with no derogatory account.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV :85%Max LTV Allowable per Guideline: 90%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 4 years. |
| 777002 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A | Property Valuations | Value | Satisfied C A | PRVAVALU5249 | Property Value Not Supported | No | Provide updated valuation to support original appraised value of xxxxxx CU Score 3.8 and BPO is greater than the 10% tolerance allowed. | 01/31/23: Desk review provided with matching value | 01/31/23: Exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 15 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 22.5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI 19.97%; guideline maximum is 50%. |
| 777003 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 5 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are currrent<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 791 |
| 777004 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B | Compliance | Texas Home Equity | Satisfied C A | CMPTXHE111 | Texas Equity - Itemized disclosure of fees not provided prior to closing; missing supporting documents for election to proceed | No | Missing Texas Equity - Itemized disclosure. | 7/28/2022 - Client Response - Per Texas Constitution, Article XVI, Section 50(a)(6)(M)(ii), the loan may not close until the owner of the homestead receives a final itemized disclosure of the actual fees, points, interest, costs, and charges that will be charged at closing. If a bona fide emergency or another good cause exists and the lender obtains the written consent of the owner, the lender may provide the documentation to the owner or the lender may modify previously provided documentation on the date of closing. The Reg-Z Closing Disclosure should satisfy this requirement, but additionally, the borrower has executed an affidavit stating that they have examined and received a statement from the settlement agent that itemizes the fees, points, interest, costs, and charges actually charged by the Lender and third parties. Please see attached executed affidavit.8/1/2022 - Clayton Response - Client provided the Pre closing Disclosure affidavit. The disclosure states that Borrower was provided with a Settlement statement with all fees charged at closing. Exception satisfied. | 8/1/2022 - Exception satisfied. Client provided documentation. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 7.4 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The Borrower has been Self Employed in the current profession for 15.1 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guideline maximum is 75%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history. |
| 777004 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance fee of $15 for increase in Appraisal fee. Invalid reason (New Information specific to borrower or transaction that was not relied on) for increase on COC dated xxxxxx. | Client response 7/29/2022: DISAGREE WITH FINDING: A change of circumstance is documented in file and had been redisclosed to the borrower. Please see attached LE with COC. Please clear the exception.Clayton response 7/29/2022: Client provided COC dated xxxxxx. The COC states the change in the appraisal fee from $750 to $765 with the $15 difference. Exception satisfied. | Clayton conclusion: Upon further review, exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 7.4 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The Borrower has been Self Employed in the current profession for 15.1 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guideline maximum is 75%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history. |
| 777004 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide Missing Supportive Documentation; the lender is using xxxxxx as the Appraised Value. The Appraisal in the file indicates that value of the property is xxxxxx. | xxxxxx Please see the attached cu which supports the appraisal value. Please clear the condition. | 7.29.2022-Document received; exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 7.4 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The Borrower has been Self Employed in the current profession for 15.1 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guideline maximum is 75%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history. |
| 777005 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 630.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 53.61Max LTV Allowable per Guideline: 70% |
| 777006 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 20 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 715 |
| 777007 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A | Credit | DTI | Waived C B | CRDDTI187 | Debt Ratio > 50% | No | Actual DTI: 53.21max DTI Allowable per Guideline: 50% Guidelines will allow up to 55% with max 80% LTV, $4000 per month of disposable and 0 x 30 mortgage. Borrower does not have $4000 in monthly disposable. | 8.9.2022-Clients response: August 9th 2022, 2:04:32 pmPlease see the attached loan exception for the DTI . Please clear the exception. | 8.9.2022-Sr. Clayton Underwriter has reviewed the Exception approval provided for the payment shock of 394.31%. Exception remains, however deemed non-material due to payment shock not being a fatal issue, compensating factors on the file are high fico of 759, Mortgage History 6+years, reserves $18,345.17 and LTV 70% 8.25.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 759<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in line of work for 3 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account. |
| 777007 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock of 353. is greater than 300%. File contains Loan Exception for payment shock being greater than 300%. Compensating factors low LTV 70%, FICO 759 and reserves $18,345.17. | 8.9.2022-Clients response: August 9th 2022, 2:04:32 pmPlease see the attached loan exception for the payment shock. Please clear the exception | Sr. Clayton Underwriter has reviewed the Exception approval provided for the payment shock of 394.31%. Exception remains, however deemed non-material due to payment shock not being a fatal issue, compensating factors on the file are high fico of 759, Mortgage History 6+years, reserves $18,345.17 and LTV 70% 8.25.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 759<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in line of work for 3 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account. |
| 777008 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 34.63%; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers Credit score is 771; guideline minimum is 600.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 23 years. |
| 777012 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A | Compliance | Texas Home Equity | Satisfied C A | CMPTXHE111 | Texas Equity - Itemized disclosure of fees not provided prior to closing; missing supporting documents for election to proceed | No | Texas Equity- Missing Itemized disclosure. | 7/15/2022 - Client Response : Per Texas Constitution, Article XVI, Section 50(a)(6)(M)(ii), the loan may not close until the owner of the homestead receives a final itemized disclosure of the actual fees, points, interest, costs, and charges that will be charged at closing. If a bona fide emergency or another good cause exists and the lender obtains the written consent of the owner, the lender may provide the documentation to the owner or the lender may modify previously provided documentation on the date of closing. The Reg-Z Closing Disclosure should satisfy this requirement, but additionally, the borrower has executed an affidavit stating that they have examined and received a statement from the settlement agent that itemizes the fees, points, interest, costs, and charges actually charged by the Lender and third parties. Please see attached executed affidavit.7/15/2022 - Clayton Response: Client provided Pre closing Fee Affidavit. Exception satisfied | 7/15/2022 - Clayton Conclusion: Exception Satisfied, Upon review of Client provided documents. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 24 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 12 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Been of same job for over 5 years. |
| 777013 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date is xxxxxx and disbursement date disbursement date is xxxxxx | 6.28.2022-Clients response:June 28th 2022, 11:04:35 amplease see the attached updated ins policy. Please clear the condition. 6.28.2022-Clayton's response: Received the Homeowners Declaration page with an effective date of xxxxxx and is sufficient to clear the exception. Exception is satisfied. | 6.28.2022-Exception is satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 3 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 4 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 771 |
| 777037 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Please allow 70% LTV for near noni 688 fico | (No Data) | 9.6.2022- Clayton Sr U/W memo; lender exception with LLPA to rate of .250 in file. Loan exceeded guidelines for LTV by 5%. Applicant has a positive investment property history, 66 months PITIA and took a .250 hit to rate for LTV. The compensating factors listed support the finding to be non-material. Exception remains, non-material 9.6.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $193,681.18 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 688 exceed guidelines |
| 777575 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid-score per CBR. |
| 777632 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 726 exceeds minimum required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash required $229,324.48. Cash reserves = $26,984.Required reserves: 0 months. Excess reserves $26,984.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers current and longest mortgage history with 27 months reported and no late payments. |
| 777687 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Exception for no current primary housing expense. Borrower has prior ownership and investment property through entity. | 10.3.2022- Lender provided LLPA for rent and exception form | 10.3.2022- Sr. Clayton U/W additional review- Further review verifies .xxxxxx LLPA to rate for primary housing expense. Borrower received a .xxxxxx LLPA to rate, has prior investment property ownership, fico score 746. Exception deemed non-material; no further actions required. 10.05.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 746 exceeds guideline 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit under 10%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $19,504.62 or 3.89 months PITI |
| 777885 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 8 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $203,280.79 or 31.39 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months. |
| 778040 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $676,299.71 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 746 exceed guidelines |
| 778365 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $136,347.91 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 708 exceeds guidelines |
| 778526 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $139,740.34 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 713 exceed guidelines |
| 778527 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 710 exceeds guideline 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $53,245.11 or 35.29 months PITI. Required reserves per Matrix for Near Noni is 6 months. |
| 778550 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 775 exceeds minimum required 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 9 open tradelines with the longest seasoned 112 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has several mortgages with the longest reported for 64 months with no late payments. |
| 778648 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $275,024.23 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 728 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 54% is below guidelines requirements |
| 778687 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide PDI with inspection dated after xxxxxx and xxxxxx | 1.9.2022 PDI was received and states there are no damages to the property from xxxxxx or xxxxxx. | 1.9.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $161,485.50 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 759 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 65% is below guideline requirements |
| 778935 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35 months PITI reserves exceeds guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 exceeds guidelines. |
| 778938 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $223,366.42. Required reserves: 6 months X $2,850.45= $17,102.70. Excess reserves $206,263.72.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 737 exceeds minimum required 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 4 open tradelines with the longest seasoned 33 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 778956 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 781 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30,60, 90 past 24 monhs<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 779254 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 771<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 5% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history payments in past 24 months |
| 779548 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | FEMA xxxxxx reported with declaration date xxxxxx and effective date xxxxxx for xxxxxx. No subsequent inspection located in file. | (No Data) | 11/8/2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $49,461.89. Required reserves 6 months x PITI $3,706.61 = $22,239.66.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 674 above program requirement 660.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low use of consumer credit. Credit line usage 22.01%. |
| 779571 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing final executed HUD. HUD in file is an estimated HUD dated xxxxxx and is not executed or stamped as true and correct copy of Final HUD. Closing date is xxxxxx | 12/1/2022 Received final executed Hud-1. | Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 25.91 months piti reserves in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 733 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 9 years |
| 779594 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 799 exceeds minimum required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $26,398.66.Required reserves: 6 months required x $1,533.44 = $9,200.64. Excess reserves $17,198.02.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 5 open tradelines with the longest seasoned 37 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 779599 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $64,491.41 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 706 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years |
| 779681 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Approved renewal application. Employment Authorization will expire xxxxxx. Employment Authorizations in file since xxxxxx. Per guideline If the EAD will expire within xxxxxx months of the Note date, evidence of approved renewal application must be obtained. | 11.21.2022- Lender provided lender exception for EAD expiring in less than 12 months, citing 56 months PITIA reserve and fico above 60 points higher than required. | 11.21.2022- Sr. Clayton u/w additional review; lender exception is noted. We are unable to mitigate the material exception. Exception remains. 11.28.2022- Sr. Clayton u/w additional review; Lender provided the federal registry.gov for EAD expiration notices extending registration to June 20, 2024 for related documentation requirements. This satisfies exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 720 exceeds guideline 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $225,888.92 or 57.94 months PITI. |
| 779689 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 768<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2% consumer credit utilization in file |
| 779753 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $193,060.52 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 22 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 734 exceed guidelines |
| 779785 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing borrower signed subordination agreement for UCC financing statement with xxxxxx for xxxxxx. | 11.8.2022 Client responded - Uploaded signed/recorded final statement amendment & subordination agreement | 11.8.2022 Client sent executed Subordination Agreement and UCC Financing statement with xxxxxx for solar panels.Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 exceeds minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 48.54% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $485,589.69. Required reserves: 6 months X $4,771.63 = $28,629.78. Excess reserves $456,959.91. |
| 779806 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 12% credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 724<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months |
| 779846 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 18 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below guideline requirement of 70% for this program. |
| 779848 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | xxxxxx is employed by xxxxxx. Provide the xxxxxx for xxxxxx. | 10.25.2022 Client responded - Please see the attached w2 for 2021 for xxxxxx. Please clear the condition | 10.25.2022 Client sent copy of 2021 W-2 from xxxxxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for over 9 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 9 years. |
| 779848 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Provide full written VOE from xxxxxx Project covering 2020, 2021 and YTD with an itemization of base versus overtime and confirming the likelihood of overtime continuance. | 10.25.2022 Client responded - Please see the attached full written VOE from xxxxxx Project covering 2020, 2021 and YTD with an itemization of base versus overtime and confirming the likelihood of overtime continuance. Please clear the condition 10.28.2022 Client responded - Please see the attached from xxxxxx Project. Husband does not wrok there. the one we attached for wife xxxxxx | 10.25.2022 Client sent written VOE from xxxxxx and previous employment covering 2020, 2021 and YTD verifying continuous income for those years for the Co-borrower, xxxxxx. Exception is for written VOE from xxxxxx Project covering 2020, 2021 and YTD. This is employment for Borrower, xxxxxx. Exception remains 10.28.2022 Client sent the VOE for xxxxxx. for xxxxxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for over 9 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 9 years. |
| 779851 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of 730 exceeds guideline requirement of 680 for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All 8 tradelines open are current |
| 779853 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide a fully executed Note. File contains an unsigned copy. | 10.3.2022 Client responded - Please see the attached fully execute note. Please clear the exception. | 10.3.2022 Client sent the fully executed Note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40 months of 0x30 consumer credit history. |
| 779853 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Provide a Full copy of the Appraisal. Missing data on top section of all pages of Appraisal | 10.3.2022 Client responded - Please see the attached full appraisal. Please clear the exception. | 10.3.2022 Client sent a full copy of the Appraisal. Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40 months of 0x30 consumer credit history. |
| 779854 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide a copy of the borrower's current passport and a for W-8 (xxxxxx) IRS Form. Guarantor is a Foreign National and guidelines require this information. | 10.6.2022-Clients response: October 6th 2022, 1:55:53 pmPlease see the attached W-8 form for the borrower. Please clear the condition | 10.6.2022-Documents received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 42.86% is below guideline requirement of 70% for this program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has enough for close. No reserves required. |
| 779854 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide a post disaster inspection for subject property due to FEMA Declaration xxxxxx. Appraisal was completed on xxxxxx before xxxxxx. | (No Data) | 10.26.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 42.86% is below guideline requirement of 70% for this program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has enough for close. No reserves required. |
| 779856 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Provide updated Hazard Declaration showing xxxxxx as the Mortgagee. File contains Declaration showing xxxxxx and xxxxxx as the mortgagees. These loans were paid off. | 10.6.2022-Clients response: October 6th 2022, 2:07:41 pmPlease see the attached updated Hazard Declaration showing xxxxxx as the Mortgagee. Please clear the exception. | 10.6.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $73,052.41, required reserves $2960.48 x 6 = $17,762.88.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.4%, maximum allowed is 75%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no late pays with over 5 years payments reporting. |
| 779871 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower cash reserves $558,914.53 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 814 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV f61% is below guideline requirements |
| 779878 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 762 exceeds guideline requirement of 700 for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves exceeds guidelines |
| 780082 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 779<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower credit utilization is 2% |
| 780099 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for over 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV for 24.47% is below guideline requirement of 75% for this program. |
| 780100 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | When borrower has no housing due to living in a marital home owned by the spouse, Guidelines require a minimum 12-months rating to evidence of that mortgage is current or evidence that there is no lien on the property. Lender provided a letter from the spouse indicating she and her father bought the house, however no evidence of no lien or a 12-months mortgage rating. Provide satisfactory evidence of no lien or a 12-month mortgage rating to meet guidelines (Page 34). | (No Data) | 11.21.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 708 exceeds minimum required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $882,995.15. Required reserves: 6 months X $7,728.13 = $46,368.78. Excess reserves $836,626.37.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 9 open tradelines with the longest seasoned 97 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 780177 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 26 years, 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $379,737.60 - closing funds $37,915.03 = $212,919.66 |
| 780177 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 26 years, 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $379,737.60 - closing funds $37,915.03 = $212,919.66 |
| 780208 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $224,029.17. Required reserves: 6 months X $3,482.42 = $20,894.52. Excess reserves $203,134.65.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.09% is below the maximum allowable of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 740 exceeds minimum required 620. |
| 780214 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Public declaration xxxxxx declaration date xxxxxx, xxxxxx, Non-Material xxxxxx | (No Data) | 10.31.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $13,687.96 or 04.02 months of PITIA Required PITIA Reserves are $3,403.96 x 03 months = $10,211.88 |
| 780220 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 last 12 months per VOM |
| 780227 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets are $16,159.61 or 6.48 months PITIRequired reserves are 3 months PITI at $2495.65x3= $7,486.95<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is > 10 points above guideline minimum of 700 |
| 780234 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $89,029.75 or 68.53 months of PITI reserves.Required PITI Reserves are $1,299.22 x 3 = $3,897.66<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's representative score is 744, minimum allowed is 700 |
| 780238 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | xxxxxx Statement used for Assets/Reserves is in the name of xxxxxx. Lender used 100% of balance, therefore provide documentation that Borrower is 100% owner of xxxxxx | 9/21/22 - Lender provided xxxxxx docs reflecting the borrower is 100% owner of the xxxxxx. | 9/21/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV |
| 780238 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Provide documentation that borrower is 100% owner of xxxxxx. Vesting is in name of LLC | 9/21/22 - Lender provided xxxxxx docs reflecting the borrower is 100% owner of the xxxxxx. | 9/21/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV |
| 780248 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 802 exceeds guideline requirements of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:Borrower's Post Close Assets are $33,828.53 or 9.87 months of PITIA reserves.Required PITIA Reserves are $3,425.74 x 9 = $30,831.66 |
| 780250 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Initial CD Dated xxxxxx missing | 10/3/22 - Lender provided a copy of the missing Initial CD. | 10/3/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years and 6 months as self employed<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.24% DTI is 17.76 points below the maximum allowed per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $105,919.60 or 23.85 months of P&I Required P&I Reserves are $4,440.97 x 12 months = $53,291.64 |
| 780250 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD Dated xxxxxx missing | 10/3/22 - Lender provided a copy of the missing Initial CD. | 10/3/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years and 6 months as self employed<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.24% DTI is 17.76 points below the maximum allowed per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $105,919.60 or 23.85 months of P&I Required P&I Reserves are $4,440.97 x 12 months = $53,291.64 |
| 780250 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Initial CD Dated xxxxxx missing | 10/3/22 - Lender provided a copy of the missing Initial CD. | 10/3/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years and 6 months as self employed<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.24% DTI is 17.76 points below the maximum allowed per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $105,919.60 or 23.85 months of P&I Required P&I Reserves are $4,440.97 x 12 months = $53,291.64 |
| 780250 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file | 10/3/22 - Lender provided a copy of the missing Seller CD. | 10/3/22 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years and 6 months as self employed<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.24% DTI is 17.76 points below the maximum allowed per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $105,919.60 or 23.85 months of P&I Required P&I Reserves are $4,440.97 x 12 months = $53,291.64 |
| 780254 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not in section H of borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75%, maximum allowed 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 767, minimum guideline score 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI 29.66%, maximum allowed 49%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $43,787.86 or 29.47 months of P&I reserves Required P&I Reserves are $1,485.87 X 12 months = $17,830.44. |
| 780254 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75%, maximum allowed 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 767, minimum guideline score 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI 29.66%, maximum allowed 49%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $43,787.86 or 29.47 months of P&I reserves Required P&I Reserves are $1,485.87 X 12 months = $17,830.44. |
| 780254 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | The Zero tolerance testing failed by $30.00 due to the Appraisal Fee increases on Final CD xxxxxx . The COC's in file do not reflect valid Reasons/Explanations for why the fee was increased. Provide COC for review, or provide borrower with a $30.00 refund, Post CD with cure, LOE and proof of delivery within 60 days of discovery that includes tracking information. | 9/21/22 - Lender provided LOX on the change in fees (basically a COC). | 9/21/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75%, maximum allowed 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 767, minimum guideline score 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI 29.66%, maximum allowed 49%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $43,787.86 or 29.47 months of P&I reserves Required P&I Reserves are $1,485.87 X 12 months = $17,830.44. |
| 780255 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on same job for 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO exceed guideline minimum >50+<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 80% / Max LTV 85% |
| 780257 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 15 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO exceed guideline minimum >33<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 80% / Max LTV 85% |
| 780258 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.41% DTI is below guideline maximum of 49%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years at current job. |
| 780264 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 9 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 70% / Max LTV 80% |
| 780266 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x31<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 credit score is 97 points above the minimum required per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $135,798.24 or 44.60 months of P&I Required P&I Reserves are $3,044.75 x 12 months = $36,537.00 |
| 780273 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD xxxxxx missing a borrower's confirmation of receipt min 3 business days prior to closing in the file. | 9/22/22 - Lender provided the xxxxxx from xxxxxx reflecting the borrower e-received the documentation. | 9/22/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 39.18% below program maximum 49.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 734 above program requirement 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $27,926.87 or 16.9 months of P&I. Required reserves P&I $1,651.89 x 12 months = $19,822.68. |
| 780279 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.48 below guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 84 months PI reserves exceeds guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 7 years at current job. |
| 780280 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:Borrower's Post Close Assets are $224,324.78 or 38.82 months of P&I reserves.Required P&I Reserves are $5,779.10 x 12 = $69,349.20 |
| 780295 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:Borrower's Post Close Assets are $65,322.18 or 37.04 months of PITIA reserves.Required PITIA Reserves are $1,763.46 x 3 = $5,290.38<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is > 10 points above guideline maximum of 700 |
| 780298 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at job |
| 780298 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Gift funds of 85k stated on 1003.Provide:a. Gift letter must contain the amount of the gift, donor's name, address, phone number and relationship.b. Proof confirming 85k receiptMay be subject to additional conditions upon review | 9/21/22 - Bank statement in file reflected a balance prior to transfer for closing of $245,645.22, and we do not have to source any large deposits per the guidelines. (No gifts are used) | 9/21/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at job |
| 780300 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 742, minimum guideline score 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 80%, maximum allowed 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI 40.13%, maximum allowed 49% |
| 780311 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | PDI required due to xxxxxx. FEMA Disaster Declaration Area | 10/10/22 - Lender provided a Disaster Inspection Report reflecting no damage to the subject property. | 10/10/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years and 8 months on current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years and 1 month at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 11.60% DTI is 37.40 points below the maximum allowed per guideline |
| 780312 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit tradeline length is 96 months, minimum length is 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%, maximum LTV guideline is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has over 11 years in current residence. |
| 780313 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.99% DTI is below guideline maximum of 49%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:Borrower's Post Close Assets are $54,572.71 or 15.42 months of P&I reserves.Required P&I Reserves are $3,539.70 x 12 = $42,476.40 |
| 780314 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD | 10/7/22 - Lender provided a copy of the missing Seller CD. | 10/7/22 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years 6 month at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.85% DTI is below guideline maximum of 49% |
| 780360 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60.53 is < 65% per guideline for near noni cash out<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 is greater than 660 per Matrix<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $203,825.75 or 100.94 months PITI |
| 780384 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 724 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 780393 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Guidelines for transactions involving a 1031 exchange require that the 1031 meets lender requirements and include an assignment of purchase and sales agreement with the QI/accommodator/facilitator prior to disbursement . Lender provided a statement of the xxxxxx balance as of xxxxxx which reflects the EMD of $7000 paid on xxxxxx. Missing 1031 signed Exchange agreement and Assignment of purchase and sales agreement. | 11.3.22 Provided HUD with 1031 proceeds | 11.3.22- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $418,536.38. \*File indicates a concurrent purchase of xxxxxx, however no further information in file to support purchase. Audit results indicate cash required for concurrent purchase at xxxxxx. Cash reserves adjusted to $89,645.24.Required reserves: 0 months required. Excess reserves $89,645.24.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 724 exceeds minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 85%. |
| 780393 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the xxxxxx declaration date, xxxxxx effective date, FEMA disaster xxxxxx Declaration xxxxxx. | (No Data) | 11.21.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $418,536.38. \*File indicates a concurrent purchase of xxxxxx, however no further information in file to support purchase. Audit results indicate cash required for concurrent purchase at xxxxxx. Cash reserves adjusted to $89,645.24.Required reserves: 0 months required. Excess reserves $89,645.24.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 724 exceeds minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 85%. |
| 780466 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.9% is below the maximum allowable of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 689 exceeds minimum required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $153,671.82. Required reserves: 6 months X $5,997.50 = $35,985. Excess reserves $117,686.82. |
| 780749 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $22,927.64 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 18 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 733 exceed guidelines |
| 780752 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $64,366.80 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 790 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 8 years |
| 780764 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at subject property.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid-score per CBR. |
| 780767 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines Section 10.6.2 state that no housing history is acceptable if the borrower lives in a marital home that is owned or leased by the spouse, the mortgage or rent on the marital home must be current as evidenced by a minimum 12 month rating. (Page 34)Lender provided a mortgage statement reflecting financing on Borrowers primary home to be in another person's name and a property detail report reflecting the home in both names. Provide a satisfactory 12 months mortgage rating on xxxxxx to meet guidelines. | (No Data) | 12.05.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $242,703.55. Required reserves: 6 months X $4,397.57 = $26,385.42. Excess reserves $216,318.13.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 752 exceeds minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.51% is below the maximum allowable of 70%. |
| 780771 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 27% credit utilization in file<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0\*30 consumer credit history in past 24 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.19% LTV in file |
| 780776 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $74,308.76; required reserves $1181.47 x 6 = $7088.82.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749 and minimum required is 660 |
| 780779 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 30.18 is below guideline 75% for cash out refi with DSCR > than 1.0<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 15 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $221,621.07 or 66.55 months PITI |
| 780800 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 724 exceeds minimum required 680 for first time investor.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 85%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 9 open tradelines with the longest seasoned 163 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 780853 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 752 is greater than 660 for Near Noni<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $13,486.00 or 7.22 months PITIA |
| 780856 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $99,221.33. Required reserves: 6 months X $2,457.69 = $14,746.14. Excess reserves $84,475.19.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 686 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 5 open tradelines with the longest seasoned 208 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 780938 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 5% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months |
| 780940 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $30,059.25. Required reserves: 6 months X $1,615.84 = $9,695.04. Excess reserves $20,364.21.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 688 exceeds minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.25% is below the maximum allowable of 75%. |
| 780954 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $104,820.03 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 795 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 781048 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $71,645.48 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 738 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 72% is below guideline requirements |
| 781119 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 709<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage pay history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 25.48 months piti reserves |
| 781129 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $68,499.93 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 793 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 41 years |
| 781222 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Exception for Loan Amount xxxxxx with max LTV of 70% with .25% hit to pricing | (No Data) | 11.17.22- Sr. Clayton U/W additional memo- upon review of file, borrower compensating factors of 710 fico score, 118 months PITIA and low loan to value of 70% LTV provide adequate compensating factor to deem exception non-material. Exception in file for loan amount with a .xxxxxx LLPA to rate. Exception deemed non-material, no further action required. grade b 12.12.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 710 exceeds guideline 660 for Near Noni<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $236,381.46 or 118.65 months PITI |
| 781228 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $54,847.81 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 747 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 16 years |
| 781233 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 795 exceeds minimum required 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.01% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $91,248.41. Required reserves: 6 months X $1,130.12= $6,780.72. Excess reserves $84,467.69. |
| 781248 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 749 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $67,858.12 or 24.99 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 in past 24 months |
| 781279 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 2 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves 6 X $2562.06 = $15372.36. Cash back from closing used as reserves = $56035.25 |
| 781362 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require for No primary housing history: No housing history is acceptable if: the borrower lives in a marital home that is owned or leased by the spouse, the mortgage or rent on the marital home must be current as evidenced by a minimum of a 12-month rating. (10.6 of guidelines)Lender provided a letter from xxxxxx stating that her nephew xxxxxx (not our borrowers name) has been living with her rent free since xxxxxx. A copy of her lease was also provided. Borrower does not meet guidelines as stated above and in section 10.6 of the guidelines and no rental history rating was provided. | 12.5.22-Client provided LOE from borrower for use of proceeds12.5.22-Provided documentation satisfies exception | 12.5.22-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 780 exceeds minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below the maximum allowable of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $101,596.57. Required reserves: 6 months X $3,565.32 = $21,391.92. Excess reserves $80.204.65. |
| 781362 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Guidelines require a letter of explanation regarding the cash out proceeds. Lender provided a letter that is signed and reflects the name xxxxxx, which is not the borrowers name. Provide a signed explanation from the borrower explaining what the cash out proceeds will be used for. | lender provided copy of LOX for C/O | exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 780 exceeds minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below the maximum allowable of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $101,596.57. Required reserves: 6 months X $3,565.32 = $21,391.92. Excess reserves $80.204.65. |
| 781397 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 673 exceeds guideline 660 for near noni.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $96,441.83 or 72.90 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 781410 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Lender provided evidence of insurance coverage, however premium was not reflected on coverage | 12.5.22-Client Provided EOI coverage with premium 12.5.22-Clayton response- provided docs satisfy exception | Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 exceeds minimum required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $8,570.29. Required reserves: 0 months required. Excess reserves $8,570.29.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 5 open tradelines with the longest seasoned 163 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 781429 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $4,999.67 or 2.38 months PITI<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 628 is greater than 620 per guideline |
| 781519 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Appraisal does not reflect either xxxxxx or the submitting Client as the Lender/Client. No documentation located in file to support the appraisal has been transferred from xxxxxx. Provide documentation to support appraisal was transferred as required by guidelines. Need evidence the appraisal was ordered through xxxxxx and the transferring lender or the xxxxxx must provide evidence certifying the appraisal meets Appraisal Independence Requirements. If this cannot be met a new appraisal would be required. | 10.12.2022-Clients response: October 12th 2022, 2:05:56 pmPer xxxxxx we do not need to have our name on the appraisal. Please clear the condition. 10.19.2022-Clients response: October 19th 2022, 2:01:05 pmPlease see the attached appraisal reconciliation showing xxxxxx Please clear the condition 10.24.2022-Clients response:October 21st 2022, 5:47:31 pmPlease see the attached appraisal reconciliation showing xxxxxx Please clear the condition . xxxxxx is no longer in business. | 10.12.2022: xxxxxx guidelines dated 8.18.2022 Section 14.2 page 102 states that the subject property section must identify the borrower, the current owner, the loan originator as the client and the appraiser. The loan originator on this file is xxxxxx, appraisal is in the name of xxxxxx. Need documentation to support the appraisal was transferred as required by guidelines. Exception remains.10.19.2022-The appraisal needs to show xxxxxx as the lender OR xxxxxx. If the file was transferred from xxxxxx we will need the documentation to support the transfer. Exception remains.10.20.2022-Provide a letter of explanation addressing the dissolution of the mortgage broker (xxxxxx) business, acceptance of appraisal and how the Loan Officer obtained the loan from xxxxxx. Exception remains.10.24.2022-Received the Clear Capital Reconciled Value of xxxxxx with xxxxxx as the lender. This supports the value that was used. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 60.00% below program maximum 75.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $149,474.66. No reserves required, LTV < 65.00%. |
| 781520 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A | Credit | Assets | Waived B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Loan program requires that the borrower's assets are seasoned for 30 days; the borrowers funds are not seasoned. | (No Data) | 10.19.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management allowing the borrowers funds for closing and reserves not be seasoned per the guidelines. The exception will remain, however, due to the seasoned assets not being a fatal issue, it will be deemed non-material. The compensating factors are 6 months in reserves, 745 fico, 75% loan to value and 6 years of monthly payments with 0 x 30. The securitization grade is changed from material to non-material. 11.16.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 76 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39 months of 0x30 mortgage history in file. |
| 781520 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A | Credit | Assets | Waived B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Loan program requires 6 months of reserves that have been seasoned for 30 days. | (No Data) | 10.19.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management allowing the borrower to use business funds to cover reserves without full seasoning. The exception will remain, however, will be deemed non-material due to seasoned cash reserves from his business account is not a fatal issue. The compensating factors are 745 fico, 75% loan to value and credit going back to 2014. The securitization grade is changed from material to non-material. 11.16.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 76 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39 months of 0x30 mortgage history in file. |
| 781520 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the documentation that the gift in the amount of $10,000 has been received by the title company. There is evidence of one of the $10,000 gifts wired to the title company but we are missing the other $10,000. | 10.20.2022 Client responded - Please see the attached of 2 wires in the amount of $10,000 each. Please clear the condition | Provide documentation the second gift of $10,000 was wired to the title company.10.20.2022 Client sent confirmation of two wires for $10,000 each for gift funds. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 76 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39 months of 0x30 mortgage history in file. |
| 781521 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing fully executed Note and Addendums for the Note. | 11.9.2022 Client responded - Please see the attached executed note w/ addendums. Please clear the condition | 11.9.2022 Client sent the fully executed Note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-borrower has been at current residence for over 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below guideline requirement of 70% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| 781522 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 30 month of 0x30 consumer history. |
| 781551 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 58.53 months piti reserves in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 786<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54% |
| 781554 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 772<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months |
| 781595 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 726 exceeds minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75% per Near NONI 9-19-22 guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 5 open tradelines with the longest seasoned 69 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 781816 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 732<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 5% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 30.02 months piti reserves |
| 781820 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 744 is greater than 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $6,828.28 or 4.189 months PITI |
| 781824 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | DSCR on approval in file does not match review DSCR calculated. DSCR $5,200/$5,252.90 Net rental income divided by PITIA = 0.9899 DSCR. Loan approved at 1.0508. Review used rental income for 4 leases on subject property in file totaling $5,200/month. Breakdown as follows $900/month, $1,050/month, $2,350/month and $900/month. Provide updated approval based on leases in file for DSCR calculation. | 12.22.2022= Clayton Sr U/W additional review; DSCR is now 1.1321. $5900 1007d | 12.22.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 47 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 38.32% LTV is well below the 75% max tolerance allowed for investment LTV. |
| 781844 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 718 exceeds guideline 660+<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit 24.21%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $106,504.55 or 9.41 months PITI |
| 781862 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing Desk Review to support original appraised value of xxxxxx dated xxxxxx. Desk review in file is dated xxxxxx which is prior to appraisal in file. | 12.23.2022- Client Provided CDA dated xxxxxx 12.23.2022- Clayton Response- provided documentation satisfies exception | 12.23.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $154,320.12 or 102.89 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 781910 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 76.20 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV; 75% tolerance per guidelines. |
| 782010 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $42,208.19 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 705 exceed guidelines |
| 782047 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 719 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 782065 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 685 exceeds guideline requirement of 640 for this program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets exceed guideline requirement for this program. |
| 782135 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 57.19 is below 75% for DSCR > 1.0 for Foreign Nationals<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Missing Post Disaster Inspection; Declaration date xxxxxx; Effective xxxxxx; xxxxxx; Declaration xxxxxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 5 years |
| 782191 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $130,342.12; no required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit scores is 726 and minimum required is 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 5 years mortgage pay history with no late pays. |
| 782245 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide PDI for post disaster physical inspection with photos for disaster dated xxxxxx and xxxxxx | (No Data) | 1.9.2023 PDI received verifying No damage from xxxxxx and xxxxxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 4 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $135,556.20 or 90.68 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 780 Exceeds guideline 700 |
| 782257 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Borrower 1 is living rent free and has no primary housing expense. Per g/l primary housing expense required.Lender exception in file adding .50 to loan cost | 1.10.2023-Need clarification as to what is need to clear condition. As stated Lender Exception already provided in file adding .50 to loan cost.1.10.2023- Sr Clayton UW reviewed and found that lender has added a .50 to loan cost due to the borrower not having a primary housing expense (living rent free) Due to compensating factors, having 28.04 months PITI reserves, Good credit history having no lates, in over 24 months. Our review finds this exception as non fatal/Non material and can downgrade to a level2/B however this exception remains active. | 1.10.2023- Exception remains, however grade had been downgraded to a level2/B 01.17.2023 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 28.04 months piti reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months |
| 782282 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines state no housing is acceptable if: The borrower lives in a marital home that is owned or leased by the spouse, the mortgage or rent must be current as evidenced by a minimum of a 12-month rating (Page 34 section 10.6.2).Lender provided application indicating borrower living at current address for last 10 years and a letter of explanation signed by borrower and mother stating that borrower lives with mother rent free. Does not meet primary housing requirement. | 12.21.22- Letter confirms that borrower does not have prior housing history to meet guideline requirements. Application states the borrower has been living rent free with his mother for 10 years. First-time homebuyers are not allowed on the NONI. If borrower has other properties owned free and clear, please provide documentation to satisfy condition. | 01.05.23 - Clayton final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 709 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 26 open tradelines with the longest seasoned 188 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $126,396.78. Required reserves: 6 months X $1,680.15 = $10,080.90. Excess reserves $116,315.88. |
| 782290 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 656 exceeds minimum required 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 4 open tradelines with the longest seasoned 70 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage history on primary with 14 months reported. |
| 782293 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $414,904.33 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 727 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 782297 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower having good credit with no late payments<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed LTV is 80%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per credit report borrowers primary residence has had no issues with lates, all positive history |
| 782330 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 10% credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 qualifying fico<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months |
| 782357 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 91.65 months piti reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months |
| 782461 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $1,371,790.19 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 37% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 659 exceed guidelines |
| 782554 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $70,035.39; required reserves $1933.27 x 3 = $5799.81.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 735 and minimum required is 700.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with over 8 years in file and no derogatory ratings or late payments. |
| 782729 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 747 is greater than 700 for Near Noni<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $45,607.27 or 14.30 months PITI |
| 782740 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 685 exceeds guideline requirement of 640 for this program. |
| 783011 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $1,634.34. Required reserves: 0 months required. Excess reserves $1,634.34.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 exceeds minimum required 680 for first time investor.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 8 open tradelines with the longest seasoned 177 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |

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## Exhibit 99.11

**EXHIBIT 99.11**

**clayton loan level tape compare upload**

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| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2023-2 |
| **Start - End Dates:** | 3/2022 - 1/2023 |
| **Deal Loan Count:** | 206 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 780220 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780220 | xxxxxx | Total Cash Out | (12634.72) | 13210.06 |
| 780227 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780238 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780238 | xxxxxx | Borrower 1 First Time Home Buyer | No | Yes |
| 780248 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780248 | xxxxxx | Documentation Type | Alt Doc | NIVA |
| 780250 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780250 | xxxxxx | Borrower 1 First Time Home Buyer | No | Yes |
| 780250 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780255 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780255 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780258 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780258 | xxxxxx | Total Cash Out | (16063.38) | 16099.24 |
| 780266 | xxxxxx | Total Cash Out | (136010.54) | 135798.24 |
| 780273 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780279 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780280 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780280 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780295 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780298 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780300 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780300 | xxxxxx | Borrower 1 First Time Home Buyer | No | Yes |
| 780300 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780311 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 780314 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780314 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 773753 | xxxxxx | Debt to Income Ratio (Back) | 20.4900 | 25.2911 |
| 773755 | xxxxxx | Debt to Income Ratio (Back) | 20.6800 | 43.0828 |
| 773755 | xxxxxx | Total Cash Out | (49328.62) | 48039.60 |
| 773758 | xxxxxx | Debt to Income Ratio (Back) | 29.9500 | 43.7490 |
| 773760 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 773771 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 777001 | xxxxxx | Debt to Income Ratio (Back) | 34.2900 | 37.4027 |
| 777002 | xxxxxx | Cash Reserves | 469384.07 | 800003.54 |
| 777002 | xxxxxx | Debt to Income Ratio (Back) | 15.7400 | 19.9728 |
| 777002 | xxxxxx | Months Reserves | 50.00 | 86.45 |
| 777002 | xxxxxx | Total Cash Out | (469384.07) | 469384.07 |
| 777003 | xxxxxx | Debt to Income Ratio (Back) | 25.1100 | 40.4878 |
| 777004 | xxxxxx | Debt to Income Ratio (Back) | 24.1100 | 27.3236 |
| 777004 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 777004 | xxxxxx | Total Cash Out | (188644.75) | 180866.22 |
| 777005 | xxxxxx | Debt to Income Ratio (Back) | 31.2900 | 37.9237 |
| 777005 | xxxxxx | Total Cash Out | (71224.81) | 62098.16 |
| 777006 | xxxxxx | Debt to Income Ratio (Back) | 40.8300 | 47.4451 |
| 777006 | xxxxxx | Total Cash Out | (66350.41) | 55701.41 |
| 777007 | xxxxxx | Debt to Income Ratio (Back) | 47.6800 | 53.2095 |
| 777008 | xxxxxx | Debt to Income Ratio (Back) | 43.2700 | 47.1708 |
| 777012 | xxxxxx | Debt to Income Ratio (Back) | 31.5200 | 41.0527 |
| 777012 | xxxxxx | Total Cash Out | (94322.34) | 60048.34 |
| 777013 | xxxxxx | Debt to Income Ratio (Back) | 31.7500 | 41.7140 |
| 779846 | xxxxxx | Debt to Income Ratio (Back) | 28.9700 | 48.6055 |
| 779846 | xxxxxx | Total Cash Out | (85767.10) | 30147.10 |
| 779848 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779848 | xxxxxx | Total Cash Out | (77872.97) | 75612.97 |
| 779851 | xxxxxx | Borrower DSCR Percent | 0.65 | 0.656 |
| 779853 | xxxxxx | Borrower DSCR Percent | 0.54 | 0.5485 |
| 779854 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 779856 | xxxxxx | Borrower DSCR Percent | 0.77 | 0.7769 |
| 779856 | xxxxxx | Total Cash Out | (73060.39) | 73052.41 |
| 779871 | xxxxxx | Borrower DSCR Percent | 0.55 | 0.5561 |
| 779871 | xxxxxx | Cash Reserves | 63671.90 | 502342.68 |
| 779871 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 779871 | xxxxxx | Months Reserves | 11.00 | 87.30 |
| 781519 | (No Data) | Property Type | SFR | SFR-Attached |
| 781519 | (No Data) | Total Cash Out | (1447641.65) | 90891.65 |
| 781520 | xxxxxx | Borrower DSCR Percent | 0.53 | 0.5361 |
| 781520 | xxxxxx | Months Reserves | 15.00 | 13.67 |
| 781521 | xxxxxx | Total Cash Out | (339800.65) | 339800.65 |
| 768212 | xxxxxx | Cash Reserves | 60891.84 | 6799.48 |
| 768212 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 768239 | xxxxxx | Cash Reserves | 217841.72 | 46115.09 |
| 768239 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 768239 | xxxxxx | Min Number | xxxxxx | xxxxxx |
| 768245 | xxxxxx | Cash Reserves | 86055.00 | 2146.09 |
| 768245 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 768245 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 768245 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768245 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 768253 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 768253 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 768253 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 768253 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 768268 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 768268 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768268 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 768268 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 768268 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 768279 | xxxxxx | Cash Reserves | 112553.32 | 72739.47 |
| 768279 | xxxxxx | Original Appraised Value | 300000.00 | 270000.00 |
| 768288 | (No Data) | Cash Reserves | 40383.11 | 7134.91 |
| 768288 | (No Data) | Credit Report Date | 12/02/2021 | 02/22/2022 |
| 768288 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 768451 | xxxxxx | Cash Reserves | 120505.17 | 36348.49 |
| 768451 | xxxxxx | Credit Report Date | 01/18/2022 | 01/19/2022 |
| 768451 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768451 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768464 | xxxxxx | Cash Reserves | 196264.87 | 108063.70 |
| 768464 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768469 | xxxxxx | Cash Reserves | 95882.35 | 72084.85 |
| 768469 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768471 | xxxxxx | Cash Reserves | 42501.74 | 9608.14 |
| 768471 | xxxxxx | Credit Report Date | 12/28/2021 | 02/21/2022 |
| 768471 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768471 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 768471 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 769724 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769724 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769724 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 770043 | (No Data) | Cash Reserves | 17998.49 | 35996.98 |
| 770043 | (No Data) | Months Reserves | 39.00 | 9.23 |
| 770878 | xxxxxx | Cash Reserves | 111255.53 | 35819.11 |
| 770878 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770878 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 770878 | xxxxxx | Months Reserves | 17.00 | 19.93 |
| 770878 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770878 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 771196 | xxxxxx | Cash Reserves | 145303.50 | 238189.27 |
| 771196 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771196 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 771196 | xxxxxx | Months Reserves | 44.00 | 124.37 |
| 771196 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 771196 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 771415 | xxxxxx | Cash Reserves | 167267.05 | 64605.16 |
| 771415 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771415 | xxxxxx | Months Reserves | 33.00 | 29.64 |
| 771415 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 771470 | xxxxxx | Cash Reserves | 863317.05 | 1158037.82 |
| 771470 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771470 | xxxxxx | Months Reserves | 42.00 | 99.76 |
| 771470 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 771470 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 ARM |
| 771851 | xxxxxx | Cash Reserves | 44692.85 | 28428.68 |
| 771851 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771851 | xxxxxx | Months Reserves | 21.00 | 19.50 |
| 771851 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 772805 | (No Data) | Months Reserves | 74.00 | 82.73 |
| 772918 | xxxxxx | Cash Reserves | 248072.56 | 33116.29 |
| 772918 | xxxxxx | Credit Report Date | 05/16/2022 | 05/17/2022 |
| 772918 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772918 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 772918 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772918 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 772962 | (No Data) | Cash Reserves | 80858.31 | 23348.18 |
| 772962 | (No Data) | Credit Report Date | 05/04/2022 | 06/14/2022 |
| 772962 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772962 | (No Data) | Months Reserves | 19.00 | 12.74 |
| 772962 | (No Data) | Number of Units | 1 | 3 |
| 772962 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 772962 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772962 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 772962 | (No Data) | Property Type | SFR | 3 Family |
| 773037 | xxxxxx | Cash Reserves | 76921.00 | 25325.65 |
| 773037 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773037 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 773037 | xxxxxx | Months Reserves | 6.00 | 8.84 |
| 773037 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 773037 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773067 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773067 | (No Data) | Months Reserves | 6.00 | 11.55 |
| 773067 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 773067 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 773067 | (No Data) | Total Cash Out | (18735.56) | 18735.56 |
| 773156 | xxxxxx | Cash Reserves | 445485.15 | 707188.89 |
| 773156 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773156 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 773156 | xxxxxx | Months Reserves | 38.00 | 56.69 |
| 773156 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 773156 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773156 | xxxxxx | Total Cash Out | (51410.45) | 51410.45 |
| 773342 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 773342 | (No Data) | Months Reserves | 6.00 | 55.27 |
| 773342 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 773342 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773342 | (No Data) | Total Cash Out | (101221.61) | 100846.61 |
| 773347 | xxxxxx | Cash Reserves | 293766.21 | 51663.35 |
| 773347 | xxxxxx | Months Reserves | 10.00 | 11.51 |
| 773500 | xxxxxx | Cash Reserves | 453162.96 | 92106.19 |
| 773500 | xxxxxx | Months Reserves | 45.00 | 14.49 |
| 773500 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 773509 | (No Data) | Months Reserves | 6.00 | 74.57 |
| 773509 | (No Data) | Total Cash Out | (94723.40) | 94723.40 |
| 773623 | xxxxxx | Cash Reserves | 82969.39 | 180887.98 |
| 773623 | xxxxxx | Months Reserves | 12.00 | 68.92 |
| 773842 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773842 | xxxxxx | Months Reserves | 35.00 | 51.84 |
| 773842 | xxxxxx | Total Cash Out | (47769.75) | 47769.75 |
| 773932 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 773932 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773932 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 773932 | xxxxxx | Minimum Rate | 8.000 | 8.500 |
| 773932 | xxxxxx | Months Reserves | 6.00 | 40.74 |
| 773932 | xxxxxx | Note Rate | 8 | 8.5000 |
| 773932 | xxxxxx | Original P&I | 1760.00 | 1870.00 |
| 773932 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 773932 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773932 | xxxxxx | Representative Credit Score for Grading | 663 | 662 |
| 773932 | xxxxxx | Total Cash Out | (92570.01) | 89258.36 |
| 774008 | xxxxxx | Months Reserves | 3.00 | 44.12 |
| 774008 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 774017 | xxxxxx | Cash Reserves | 66311.50 | 98001.72 |
| 774017 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774017 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 774017 | xxxxxx | Months Reserves | 3.00 | 42.54 |
| 774017 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774017 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774194 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774194 | xxxxxx | Months Reserves | 14.00 | 19.26 |
| 774194 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774194 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 774196 | (No Data) | Cash Reserves | 243927.23 | 116675.91 |
| 774196 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774196 | (No Data) | Months Reserves | 61.00 | 49.09 |
| 774196 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774196 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 774546 | (No Data) | Cash Reserves | 357579.81 | 169034.03 |
| 774546 | (No Data) | Credit Report Date | 05/02/2022 | 07/29/2022 |
| 774678 | xxxxxx | Months Reserves | 6.00 | 14.06 |
| 774678 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774678 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 774678 | xxxxxx | Total Cash Out | (77933.66) | 77933.66 |
| 774680 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 774680 | (No Data) | Months Reserves | 6.00 | 95.89 |
| 774680 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774680 | (No Data) | Product Type | 7/1 I/O ARM | 10/6 IO ARM |
| 774680 | (No Data) | Total Cash Out | (99081.75) | 98983.75 |
| 774687 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774687 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 774687 | (No Data) | Months Reserves | 6.00 | 98.94 |
| 774687 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774687 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774687 | (No Data) | Total Cash Out | (93154.31) | 93154.31 |
| 774715 | (No Data) | Cash Reserves | 148215.26 | 232634.74 |
| 774715 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774715 | (No Data) | Months Reserves | 67.00 | 113.89 |
| 774730 | xxxxxx | Cash Reserves | 25555.85 | 15050.80 |
| 774730 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774730 | xxxxxx | Months Reserves | 17.00 | 10.42 |
| 774730 | xxxxxx | Total Cash Out | 1329.13 | 3542.88 |
| 775048 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775048 | xxxxxx | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 775048 | xxxxxx | Months Reserves | 6.00 | 0.00 |
| 775048 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775048 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 775105 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775105 | xxxxxx | Months Reserves | 35.00 | 0.00 |
| 775105 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775105 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775105 | xxxxxx | Total Cash Out | (41374.70) | 41374.70 |
| 775224 | xxxxxx | Cash Reserves | 188784.39 | 78618.40 |
| 775224 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775224 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775224 | xxxxxx | Months Reserves | 12.00 | 18.59 |
| 775224 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775224 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775241 | (No Data) | Cash Reserves | 267426.85 | 59334.23 |
| 775241 | (No Data) | Months Reserves | 42.00 | 16.63 |
| 775322 | xxxxxx | Cash Reserves | 1029.00 | 109696.34 |
| 775322 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775322 | xxxxxx | Months Reserves | 6.00 | 52.51 |
| 775322 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775322 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 775322 | xxxxxx | Total Cash Out | (109696.34) | 109696.34 |
| 775327 | (No Data) | Cash Reserves | 111966.62 | 37966.71 |
| 775327 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775327 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 775327 | (No Data) | Months Reserves | 8.00 | 14.54 |
| 775327 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775327 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775328 | xxxxxx | Cash Reserves | 172326.79 | 71993.23 |
| 775328 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775328 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 775328 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775328 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 775329 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775329 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775329 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775329 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775335 | (No Data) | Credit Report Date | 06/17/2022 | 07/01/2022 |
| 775335 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775335 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 775335 | (No Data) | Months Reserves | 100.00 | 8.22 |
| 775335 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775335 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775335 | (No Data) | Total Cash Out | (906466.41) | 68533.59 |
| 775368 | (No Data) | Cash Reserves | 38666.42 | 2444.17 |
| 775368 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775368 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 775368 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 775368 | (No Data) | Original P&I | 961.88 | 965.25 |
| 775368 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775368 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775440 | xxxxxx | Months Reserves | 8.00 | 15.60 |
| 775509 | xxxxxx | Borrower 1 First Time Home Buyer | No | Yes |
| 775509 | xxxxxx | Cash Reserves | 105283.79 | 9526.12 |
| 775509 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775509 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775509 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775509 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775658 | xxxxxx | Cash Reserves | 65001.06 | 953072.40 |
| 775658 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 775658 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775658 | xxxxxx | Months Reserves | 7.00 | 114.83 |
| 775658 | xxxxxx | Original Appraised Value | 1700000.00 | 1900000.00 |
| 775658 | xxxxxx | Total Cash Out | (907143.38) | 907173.38 |
| 775874 | xxxxxx | Cash Reserves | 83504.99 | 2563.27 |
| 775874 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 775874 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775879 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775879 | (No Data) | Months Reserves | 26.00 | 28.89 |
| 776119 | xxxxxx | Cash Reserves | 600000.00 | 247353.05 |
| 776119 | xxxxxx | Credit Report Date | 07/05/2022 | 07/06/2022 |
| 776119 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776119 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 776119 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776119 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 776119 | xxxxxx | Total Cash Out | (247353.05) | 247353.05 |
| 776241 | xxxxxx | Credit Report Date | 07/21/2022 | Not Applicable |
| 776241 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776241 | xxxxxx | Months Reserves | 50.00 | 48.82 |
| 776241 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776241 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 776241 | xxxxxx | Total Cash Out | (217719.67) | 217719.67 |
| 776246 | (No Data) | Cash Reserves | 58026.79 | 4404.88 |
| 776246 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776246 | (No Data) | Months Reserves | 1.00 | 2.63 |
| 776351 | xxxxxx | Cash Reserves | 220655.94 | 425463.42 |
| 776351 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776351 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 776351 | xxxxxx | Months Reserves | 32.00 | 157.63 |
| 776351 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 776351 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776351 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 776413 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 776413 | xxxxxx | Months Reserves | 6.00 | 15.39 |
| 776413 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776413 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 776413 | xxxxxx | Total Cash Out | (69703.11) | 69703.11 |
| 776933 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776933 | xxxxxx | Months Reserves | 7.00 | 39.63 |
| 776949 | xxxxxx | Borrower 1 First Time Home Buyer | No | Yes |
| 776949 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 776949 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776949 | xxxxxx | Months Reserves | 6.00 | 0.90 |
| 776949 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776949 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777037 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777037 | (No Data) | Months Reserves | 85.00 | 68.44 |
| 777037 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777037 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777037 | (No Data) | Total Cash Out | (193681.18) | 193681.18 |
| 777575 | xxxxxx | Cash Reserves | 85097.78 | 20692.26 |
| 777575 | xxxxxx | Credit Report Date | 06/03/2022 | 08/25/2022 |
| 777575 | xxxxxx | Months Reserves | 6.00 | 12.16 |
| 777575 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 777632 | (No Data) | Cash Reserves | 399720.72 | 91885.29 |
| 777632 | (No Data) | Months Reserves | 25.00 | 13.26 |
| 777687 | (No Data) | Cash Reserves | 192861.88 | 19504.62 |
| 777687 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777885 | xxxxxx | Cash Reserves | 502977.48 | 203280.79 |
| 777885 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778040 | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 778040 | xxxxxx | Cash Reserves | 2119276.24 | 676299.71 |
| 778040 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 778040 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778040 | xxxxxx | Months Reserves | 644.00 | 138.59 |
| 778365 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778365 | (No Data) | Months Reserves | 31.00 | 45.87 |
| 778365 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 778365 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 778526 | xxxxxx | Months Reserves | 6.00 | 98.51 |
| 778526 | xxxxxx | Total Cash Out | (139740.34) | 139740.34 |
| 778527 | (No Data) | Cash Reserves | 98753.36 | 53245.11 |
| 778527 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778527 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 778527 | (No Data) | Origination Date | xxxxxx | xxxxxx |
| 778550 | xxxxxx | Cash Reserves | 172619.66 | 112491.02 |
| 778550 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778550 | xxxxxx | Months Reserves | 10.00 | 23.00 |
| 778648 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 778648 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778648 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778648 | xxxxxx | Total Cash Out | (275024.23) | 275024.23 |
| 778687 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778687 | xxxxxx | Months Reserves | 6.00 | 100.33 |
| 778687 | xxxxxx | Total Cash Out | (165791.75) | 161485.50 |
| 778935 | xxxxxx | Cash Reserves | 148451.21 | 71468.73 |
| 778935 | xxxxxx | Credit Report Date | 08/08/2022 | 09/15/2022 |
| 778935 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778938 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778938 | (No Data) | Months Reserves | 6.00 | 78.36 |
| 778938 | (No Data) | Total Cash Out | (223366.42) | 223366.42 |
| 778956 | xxxxxx | Cash Reserves | 105419.00 | 76954.28 |
| 778956 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778956 | xxxxxx | Months Reserves | 7.00 | 25.46 |
| 778956 | xxxxxx | Original Appraised Value | 360000.00 | 336000.00 |
| 779254 | (No Data) | Credit Report Date | 09/27/2022 | 09/28/2022 |
| 779254 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779254 | (No Data) | Total Cash Out | (517429.30) | 516679.63 |
| 779548 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779548 | (No Data) | Months Reserves | 6.00 | 13.34 |
| 779548 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 779548 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 779548 | (No Data) | Total Cash Out | (49461.89) | 49461.89 |
| 779571 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779571 | xxxxxx | Months Reserves | 6.00 | 25.91 |
| 779571 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 779571 | xxxxxx | Total Cash Out | (29846.86) | 30072.61 |
| 779594 | xxxxxx | Cash Reserves | 160380.00 | 26398.66 |
| 779594 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779594 | xxxxxx | Months Reserves | 71.00 | 17.22 |
| 779599 | xxxxxx | Months Reserves | 6.00 | 41.52 |
| 779599 | xxxxxx | Total Cash Out | (51408.02) | 51275.02 |
| 779681 | (No Data) | Cash Reserves | 369885.00 | 225888.92 |
| 779681 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779689 | (No Data) | Cash Reserves | 194307.48 | 22017.17 |
| 779689 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779689 | (No Data) | Months Reserves | 17.00 | 6.22 |
| 779753 | xxxxxx | Cash Reserves | 352196.00 | 193060.52 |
| 779753 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779753 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 779753 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 779785 | xxxxxx | Cash Reserves | 204409.00 | 485589.69 |
| 779785 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 779785 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779785 | xxxxxx | Months Reserves | 6.00 | 101.77 |
| 779785 | xxxxxx | Total Cash Out | (486082.85) | 485589.69 |
| 779806 | xxxxxx | Cash Reserves | 118695.47 | 11443.47 |
| 779806 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779806 | xxxxxx | Months Reserves | 7.00 | 4.40 |
| 779878 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779878 | xxxxxx | Months Reserves | 28.00 | 0.01 |
| 780082 | (No Data) | Cash Reserves | 211736.99 | 38078.30 |
| 780082 | (No Data) | Origination Date | xxxxxx | xxxxxx |
| 780099 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780099 | xxxxxx | Months Reserves | 6.00 | 65.42 |
| 780099 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 780099 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 780099 | xxxxxx | Total Cash Out | (133618.10) | 133618.10 |
| 780100 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780100 | (No Data) | Months Reserves | 6.00 | 114.26 |
| 780100 | (No Data) | Total Cash Out | (882995.15) | 882995.15 |
| 780177 | xxxxxx | Cash Reserves | 353272.71 | 212919.66 |
| 780177 | xxxxxx | Months Reserves | 35.00 | 38.67 |
| 780177 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 780208 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780208 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 780208 | xxxxxx | Total Cash Out | (224029.17) | 224029.17 |
| 780360 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780360 | (No Data) | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 780360 | (No Data) | Months Reserves | 6.00 | 100.94 |
| 780360 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 780360 | (No Data) | Total Cash Out | (164701.50) | 164701.50 |
| 780384 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780384 | xxxxxx | Months Reserves | 10.00 | 24.36 |
| 780384 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 780393 | xxxxxx | Cash Reserves | 154616.58 | 418536.38 |
| 780393 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780393 | xxxxxx | Months Reserves | 20.00 | 88.11 |
| 780393 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 780466 | xxxxxx | Credit Report Date | 10/03/2022 | 10/12/2022 |
| 780466 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780466 | xxxxxx | Months Reserves | 6.00 | 25.62 |
| 780466 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 780466 | xxxxxx | Total Cash Out | (153871.82) | 153671.82 |
| 780749 | xxxxxx | Cash Reserves | 84007.46 | 22927.64 |
| 780749 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780749 | xxxxxx | Months Reserves | 9.00 | 11.18 |
| 780752 | (No Data) | Credit Report Date | 09/16/2022 | 09/01/2022 |
| 780752 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780752 | (No Data) | Months Reserves | 51.00 | 12.18 |
| 780752 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 780764 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780764 | (No Data) | Months Reserves | 3.00 | 11.81 |
| 780764 | (No Data) | Total Cash Out | (7094.24) | 5000.00 |
| 780767 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780767 | (No Data) | Months Reserves | 6.00 | 55.19 |
| 780767 | (No Data) | Total Cash Out | (242703.55) | 242703.55 |
| 780771 | (No Data) | Cash Reserves | 434808.57 | 287783.55 |
| 780771 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780771 | (No Data) | Months Reserves | 104.00 | 97.28 |
| 780771 | (No Data) | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 780776 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780776 | xxxxxx | Months Reserves | 6.00 | 62.90 |
| 780776 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 780776 | xxxxxx | Total Cash Out | (74308.76) | 74308.76 |
| 780779 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780779 | xxxxxx | Total Cash Out | (221621.07) | 221621.07 |
| 780800 | (No Data) | Credit Report Date | 07/26/2022 | 09/26/2022 |
| 780800 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780800 | (No Data) | Months Reserves | '-22.00 | 0.27 |
| 780853 | xxxxxx | Cash Reserves | 96694.94 | 13486.00 |
| 780853 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780853 | xxxxxx | Months Reserves | 17.00 | 7.22 |
| 780856 | (No Data) | Cash Reserves | 187035.54 | 99221.33 |
| 780856 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780856 | (No Data) | Months Reserves | 32.00 | 40.37 |
| 780856 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 780938 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780938 | (No Data) | Months Reserves | 6.00 | 21.69 |
| 780938 | (No Data) | Total Cash Out | (43119.08) | 43119.08 |
| 780940 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780940 | (No Data) | Months Reserves | 6.00 | 19.21 |
| 780940 | (No Data) | Total Cash Out | (30059.25) | 30059.25 |
| 780954 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780954 | xxxxxx | Months Reserves | 35.00 | 75.90 |
| 780954 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 780954 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 781048 | (No Data) | Cash Reserves | 191598.00 | 71645.48 |
| 781048 | (No Data) | Credit Report Date | 09/19/2022 | 09/14/2022 |
| 781048 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781048 | (No Data) | Months Reserves | 6.00 | 17.71 |
| 781048 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 781119 | xxxxxx | Cash Reserves | 55476.38 | 39754.15 |
| 781119 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781119 | xxxxxx | Months Reserves | 1.00 | 25.62 |
| 781119 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 781129 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781129 | (No Data) | Months Reserves | 6.00 | 13.31 |
| 781129 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 781129 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 781129 | (No Data) | Total Cash Out | (155205.22) | 68499.93 |
| 781248 | (No Data) | Cash Reserves | 106495.74 | 67858.12 |
| 781248 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781248 | (No Data) | Months Reserves | 14.00 | 24.99 |
| 781279 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781279 | (No Data) | Months Reserves | 6.00 | 21.87 |
| 781279 | (No Data) | Total Cash Out | (55895.25) | 56035.25 |
| 781362 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 781362 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781362 | xxxxxx | Months Reserves | 30.00 | 28.50 |
| 781362 | xxxxxx | Total Cash Out | (101728.46) | 101596.57 |
| 781397 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781397 | (No Data) | Months Reserves | 70.00 | 72.90 |
| 781397 | (No Data) | Total Cash Out | (96441.83) | 96441.83 |
| 781410 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781410 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 781429 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781429 | (No Data) | Total Cash Out | (4999.67) | 4999.67 |
| 781551 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781551 | xxxxxx | Total Cash Out | (174899.88) | 174899.88 |
| 781554 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781554 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 781554 | (No Data) | Months Reserves | 42.00 | 136.02 |
| 781554 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 781554 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 781595 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781595 | (No Data) | Months Reserves | 6.00 | 1.14 |
| 781595 | (No Data) | Total Cash Out | (1884.13) | 1884.13 |
| 781816 | xxxxxx | Cash Reserves | 71343.00 | 181072.01 |
| 781816 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781816 | xxxxxx | Months Reserves | 6.00 | 30.02 |
| 781816 | xxxxxx | Total Cash Out | (181072.01) | 181072.01 |
| 781820 | (No Data) | Cash Reserves | 54171.98 | 6828.28 |
| 781820 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781820 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 781820 | (No Data) | Months Reserves | 3.00 | 4.19 |
| 781820 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 781820 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 781824 | xxxxxx | Cash Reserves | 270810.30 | 518861.31 |
| 781824 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781824 | xxxxxx | Months Reserves | 6.00 | 98.78 |
| 781824 | xxxxxx | Total Cash Out | (518861.31) | 518861.31 |
| 781844 | xxxxxx | Cash Reserves | 353005.00 | 106504.55 |
| 781844 | xxxxxx | Credit Report Date | 08/30/2022 | 11/17/2022 |
| 781844 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781862 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781862 | (No Data) | Months Reserves | 6.00 | 102.89 |
| 781862 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 781862 | (No Data) | Total Cash Out | (140912.22) | 140912.22 |
| 781910 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781910 | xxxxxx | Months Reserves | 6.00 | 76.20 |
| 781910 | xxxxxx | Property Type | SFR | SFR-Attached |
| 781910 | xxxxxx | Total Cash Out | (95591.12) | 95591.12 |
| 782010 | (No Data) | Cash Reserves | 24501.64 | 42208.19 |
| 782010 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782010 | (No Data) | Months Reserves | 1.00 | 7.57 |
| 782047 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782065 | xxxxxx | Cash Reserves | 278116.64 | 42888.85 |
| 782065 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782065 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 782065 | xxxxxx | Months Reserves | 74.00 | 17.09 |
| 782065 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 782065 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 782135 | xxxxxx | Cash Reserves | 201381.45 | 65720.88 |
| 782135 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782135 | xxxxxx | Months Reserves | 34.00 | 36.67 |
| 782191 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782191 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 782191 | (No Data) | Months Reserves | 4.00 | 23.89 |
| 782191 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 782191 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 782191 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 782245 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782245 | xxxxxx | Months Reserves | 6.00 | 90.68 |
| 782245 | xxxxxx | Total Cash Out | (135371.18) | 135371.18 |
| 782257 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 782282 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782282 | (No Data) | Months Reserves | 6.00 | 75.23 |
| 782282 | (No Data) | Total Cash Out | (126396.78) | 126396.78 |
| 782290 | (No Data) | Cash Reserves | 64149.10 | 0.00 |
| 782290 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782290 | (No Data) | Total Cash Out | (2911.37) | 2911.37 |
| 782293 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782293 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 782293 | (No Data) | Months Reserves | 6.00 | 96.57 |
| 782293 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 782293 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 782293 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 782293 | (No Data) | Total Cash Out | (380408.62) | 380408.62 |
| 782297 | xxxxxx | Cash Reserves | 87357.08 | 12879.09 |
| 782297 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782297 | xxxxxx | Months Reserves | 1.00 | 5.62 |
| 782330 | xxxxxx | Cash Reserves | 37552.95 | 186173.49 |
| 782330 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782330 | xxxxxx | Months Reserves | 6.00 | 53.09 |
| 782330 | xxxxxx | Total Cash Out | (186173.49) | 186173.49 |
| 782357 | xxxxxx | Cash Reserves | 29593.22 | 205481.15 |
| 782357 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782357 | xxxxxx | Months Reserves | 6.00 | 91.65 |
| 782357 | xxxxxx | Total Cash Out | (175887.93) | 175887.93 |
| 782461 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782461 | xxxxxx | Months Reserves | 81.00 | 66.98 |
| 782461 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 782461 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 782461 | xxxxxx | Total Cash Out | (1371790.19) | 1371790.19 |
| 782554 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 782554 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 782554 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782554 | (No Data) | Months Reserves | 41.00 | 36.23 |
| 782729 | xxxxxx | Cash Reserves | 149501.22 | 45605.27 |
| 782729 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782729 | xxxxxx | Months Reserves | 11.00 | 14.30 |
| 782729 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 782729 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 782740 | (No Data) | Cash Reserves | 33848.23 | 143276.95 |
| 782740 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 782740 | (No Data) | Total Cash Out | (143276.95) | 143276.95 |
| 783011 | (No Data) | Cash Reserves | 73836.48 | 1634.34 |
| 783011 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781222 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781222 | (No Data) | Total Cash Out | (147203.16) | 147203.16 |
| 781228 | xxxxxx | Cash Reserves | 103924.09 | 54847.81 |
| 781228 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781228 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 781228 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 781233 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781233 | (No Data) | Months Reserves | 6.00 | 80.74 |
| 781233 | (No Data) | Origination Date | xxxxxx | xxxxxx |
| 781233 | (No Data) | Total Cash Out | (91248.41) | 91248.41 |
|©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**clayton non atr qm upload**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2023-2** |
| **Start - End Dates:** | **03/2022-1/2023** |
| **Deal Loan Count:** | **206** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *206* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 |
| **Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 768212 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2245.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2750.00 | 1.23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 768239 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5447.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 13200.00 | No | (No Data) | 2.42 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768245 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3249.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768253 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3659.09 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3855.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768268 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2778.49 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2985.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 768279 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2153.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768288 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1187.88 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1435.00 | No | (No Data) | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768451 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2928.71 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 4200.00 | 1.43 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 768464 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7457.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 9183.00 | No | (No Data) | 1.23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768469 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2835.94 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7040.00 | No | (No Data) | 2.48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768471 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5 mos interest on amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 2.625 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1559.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769724 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3843.26 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4250.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770043 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3900.77 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770878 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1797.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771196 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1915.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771415 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2179.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771470 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11607.76 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12500.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771851 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1457.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.37 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772805 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3871.38 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 15500.00 | No | (No Data) | 4.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772918 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -19379.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 20000.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772962 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1832.68 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 773037 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2863.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5100.00 | No | (No Data) | 1.78 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773067 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1622.35 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1650.00 | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 773120 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3492.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773156 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12473.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12000.00 | No | (No Data) | 0.96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773342 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1824.46 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 773347 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4487.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3280.20 | No | (No Data) | 0.73 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773500 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6354.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 0.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773509 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8650 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1270.24 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1275.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 773623 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2624.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2991.67 | No | (No Data) | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773753 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2667 | Yes | Yes | 2.462 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.29 | 25.29 | 25.29 | 25.29 | 25.29 | 25.29 | No | No | (No Data) | 11005.47 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 773754 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1123 | No | No | 1.933 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.97 | 46.97 | 46.97 | 46.97 | 46.97 | 46.97 | No | No | (No Data) | 3906.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 773755 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.2533 | No | No | 3.354 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.08 | 43.08 | 43.08 | 43.08 | 43.08 | 43.08 | Yes | Yes | Yes | 7268.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 773758 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1499 | No | No | 0.643 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.09 | 43.75 | 46.09 | 43.75 | 43.75 | 43.75 | No | No | (No Data) | 8304.33 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 773760 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2899 | No | No | 2.465 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.01 | 50.01 | 50.01 | 50.01 | 50.01 | 50.01 | Yes | Yes | Yes | 7579.65 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter with Income - 12 months;<br> Written VOE - 12 months; | Award Letter - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 773761 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3927.1 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 0.92 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 773765 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 15.6 | 0 | 15.6 | 15.6 | 16.07 | (No Data) | (No Data) | (No Data) | 43441.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| 773767 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2601.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773771 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2996.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3950.00 | No | (No Data) | 1.32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773775 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2343.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2145.00 | No | (No Data) | 0.92 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773776 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2720.28 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2050.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 773842 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1295.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1185.00 | No | (No Data) | 0.92 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773932 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2190.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774008 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3389.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774017 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2303.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 0.82 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774194 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7401 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1478.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774196 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2376.83 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 0.82 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774546 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4697.8 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3886.00 | No | (No Data) | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774678 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5541.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4400.00 | No | (No Data) | 0.79 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774680 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1037.16 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1070.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774687 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -941.55 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 995.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774715 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3650 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2042.65 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2050.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774730 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1444.9 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775048 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1353.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1000.00 | No | (No Data) | 0.74 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775105 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 11.4901 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1091.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 880.00 | No | (No Data) | 0.81 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775224 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.3650 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4228.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 0.61 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775241 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3650 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3568.63 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 0.42 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775322 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.8650 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2089.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775327 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.2400 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2611.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 0.63 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775328 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2068.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1690.00 | No | (No Data) | 0.82 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775329 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 11.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1145.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 900.00 | No | (No Data) | 0.79 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775335 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3650 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8338.65 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 9150.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775368 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 11.5139 | No | No | 17.984 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1258.77 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775440 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2135.68 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 0.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775509 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4195.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775658 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 5+ Units | 8 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8300.1 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 9155.00 | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 775874 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1849.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775879 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6249 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1936.96 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776119 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2662.42 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776241 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4752.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5650.00 | No | (No Data) | 1.19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776246 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1674.01 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 0.99 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776351 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2699.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2950.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776413 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4529.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 0.64 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776933 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4754.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6500.00 | No | (No Data) | 1.37 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776949 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 11.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4653.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 0.62 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777001 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3986 | Yes | Yes | 1.581 | 0.000 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.58 | 37.4 | 37.58 | 37.4 | 37.4 | 37.4 | No | No | (No Data) | 32602.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 777002 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1422 | Yes | Yes | 2.142 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.84 | 19.97 | 18.84 | 19.97 | 19.97 | 19.97 | No | No | (No Data) | 47041.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 777003 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6713 | Yes | Yes | 2.308 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.49 | 40.49 | 40.49 | 40.49 | 40.49 | 40.49 | Yes | Yes | Yes | 12512.84 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 777004 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.4752 | Yes | Yes | 2.641 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.32 | 27.32 | 27.32 | 27.32 | 27.32 | 27.32 | No | No | (No Data) | 13124.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 777005 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.7592 | Yes | No | 3.438 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.53 | 37.92 | 43.53 | 37.92 | 37.92 | 37.92 | No | No | (No Data) | 5105.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 777006 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2322 | No | No | 2.586 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.54 | 47.45 | 47.54 | 47.45 | 47.45 | 47.45 | Yes | Yes | Yes | 3115.36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 30 months; | (No Data) | (No Data) | (No Data) |
| 777007 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9617 | No | No | 2.651 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 53.29 | 53.21 | 53.29 | 53.21 | 53.21 | 53.21 | No | No | (No Data) | 2226.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 777008 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0312 | No | No | 2.215 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.17 | 47.17 | 47.17 | 47.17 | 47.17 | 47.17 | No | No | (No Data) | 7783.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 777012 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.9386 | Yes | Yes | 4.977 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.15 | 41.05 | 41.15 | 41.05 | 41.05 | 41.05 | No | No | (No Data) | 5201.77 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | Award Letter - 12 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 777013 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9376 | Yes | Yes | 2.259 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.71 | 41.71 | 41.71 | 41.71 | 41.71 | 41.71 | No | No | (No Data) | 9761.72 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 12 months; | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 777037 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2830.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.81 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777575 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1702.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777632 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6927.89 | No | (No Data) | No | (No Data) | No | Yes | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 12800.00 | No | (No Data) | 1.85 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; |
| 777687 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5012.7 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777885 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6475.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 0.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778040 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4880.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.78 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778365 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2972.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4250.00 | No | (No Data) | 1.43 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778526 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1418.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1275.00 | No | (No Data) | 0.90 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778527 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1508.82 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.93 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778550 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4890.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 0.86 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778648 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2660.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778687 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1609.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1640.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778935 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5066.55 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1625.00 | No | (No Data) | 0.80 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778938 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2850.45 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2200.00 | 0.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 778956 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3022.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4700.00 | No | (No Data) | 1.56 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779254 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10259.99 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10834.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779548 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3706.61 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 0.92 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779571 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2445.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.94 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779594 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1533.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1380.00 | No | (No Data) | 0.90 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779599 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1553.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.90 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779681 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3898.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779689 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3537.7 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10400.00 | No | (No Data) | 2.94 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779753 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10281.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 12000.00 | No | (No Data) | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779785 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4771.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4500.00 | 0.94 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 779806 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2597.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 0.81 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 779846 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.4775 | No | No | 2.93 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.32 | 48.61 | 49.32 | 48.61 | 48.61 | 48.61 | Yes | Yes | Yes | 3322.05 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) | (No Data) |
| 779848 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5902 | No | No | 2.879 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.67 | 49.66 | 49.67 | 49.66 | 49.66 | 49.66 | Yes | Yes | Yes | 5140.27 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 36 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 779851 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6783.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4450.00 | No | (No Data) | 0.66 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779853 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6745.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 0.55 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779854 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2959.62 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 1.25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779856 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2960.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.78 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779871 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5753.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.56 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779878 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1200.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780082 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7046.15 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10400.00 | No | (No Data) | 1.48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780099 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2042.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3550.00 | No | (No Data) | 1.74 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780100 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7728.13 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 6400.00 | No | (No Data) | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780177 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.9780 | Yes | Yes | 3.187 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.51 | 34.95 | 34.51 | 34.95 | 34.95 | 34.95 | No | No | (No Data) | 12211.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 120 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 780208 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3482.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3500.00 | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 780214 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3403.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780220 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9392 | No | No | 1.771 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.88 | 45.88 | 45.88 | 45.88 | 45.88 | 45.88 | No | No | (No Data) | 9675.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 20 months; | (No Data) | (No Data) | (No Data) |
| 780227 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2495.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 0.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780234 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1299.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1575.00 | No | (No Data) | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780238 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1915.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780248 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4691.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 780250 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4159 | Yes | Yes | 1.063 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.24 | 31.24 | 31.24 | 31.24 | 31.24 | 31.24 | No | No | (No Data) | 12833.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 19 months; | (No Data) | (No Data) | (No Data) |
| 780254 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.4216 | Yes | Yes | 3.11 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.66 | 29.66 | 29.66 | 29.66 | 29.66 | 29.66 | No | No | (No Data) | 5275.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 780255 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6385 | Yes | Yes | 2.232 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.51 | 30.52 | 30.51 | 30.52 | 30.52 | 30.52 | No | No | (No Data) | 21767.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> P & L - 19 months; | (No Data) | (No Data) | (No Data) |
| 780257 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9689 | No | No | 1.961 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.56 | 47.56 | 47.56 | 47.56 | 47.56 | 47.56 | No | No | (No Data) | 3408.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 31 months; | (No Data) | (No Data) | (No Data) |
| 780258 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0028 | No | No | 2.44 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.41 | 43.41 | 43.41 | 43.41 | 43.41 | 43.41 | No | No | (No Data) | 5088.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 84 months;<br> P & L - 19 months; | (No Data) | (No Data) | (No Data) |
| 780264 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5761 | Yes | Yes | 2.454 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.45 | 33.45 | 33.45 | 33.45 | 33.45 | 33.45 | No | No | (No Data) | 3726.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 31 months; | (No Data) | (No Data) | (No Data) |
| 780266 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0556 | Yes | Yes | 2.838 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.96 | 40.96 | 40.96 | 40.96 | 40.96 | 40.96 | No | No | (No Data) | 5313.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 31 months; | (No Data) | (No Data) | (No Data) |
| 780273 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7467 | Yes | Yes | 4.518 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.18 | 38.5 | 39.18 | 38.5 | 38.5 | 38.5 | No | No | (No Data) | 4274.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 31 months; | (No Data) | (No Data) | (No Data) |
| 780279 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8751 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.48 | 34.48 | 34.48 | 34.48 | 34.48 | 34.48 | No | No | (No Data) | 10280.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 19 months; | (No Data) | (No Data) | (No Data) |
| 780280 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3956 | No | No | 1.282 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.97 | 46.97 | 46.97 | 46.97 | 46.97 | 46.97 | No | No | (No Data) | 9195.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 31 months; | (No Data) | (No Data) | (No Data) |
| 780295 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14734.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780298 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3498 | Yes | Yes | 0.716 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.04 | 39.04 | 39.04 | 39.04 | 39.04 | 39.04 | No | No | (No Data) | 10594.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 120 months;<br> P & L - 19 months; | (No Data) | (No Data) | (No Data) |
| 780300 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7344 | Yes | Yes | 0.933 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.13 | 40.13 | 40.13 | 40.13 | 40.13 | 40.13 | No | No | (No Data) | 15071.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 19 months; | (No Data) | (No Data) | (No Data) |
| 780311 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 8.8750 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 11.6 | 0 | 11.6 | 11.6 | 11.6 | (No Data) | (No Data) | (No Data) | 33294.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 31 months; | (No Data) | (No Data) | (No Data) |
| 780312 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4% of Amt Prepd > 20% of OPB if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3041.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780313 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1964 | No | No | 1.529 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.99 | 47.99 | 47.99 | 47.99 | 47.99 | 47.99 | No | No | (No Data) | 5898.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 780314 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5899 | Yes | Yes | 1.811 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.85 | 38.85 | 38.85 | 38.85 | 38.85 | 38.85 | No | No | (No Data) | 39288.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 96 months;<br> P & L - 19 months; | (No Data) | (No Data) | (No Data) |
| 780360 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2019.24 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780384 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2490.1 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2495.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780393 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4750.37 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5400.00 | No | (No Data) | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780466 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5997.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 6000.00 | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 780749 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2051.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 0.80 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780752 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5284.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4720.00 | No | (No Data) | 0.89 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780764 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1461.42 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780767 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4397.57 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 0.91 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780771 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2958.25 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780776 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1181.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1551.00 | No | (No Data) | 1.31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780779 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3330.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3700.00 | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 780800 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 11.2499 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1380.91 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780853 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1867.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.91 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780856 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2457.69 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 0.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780938 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1988.12 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780940 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1564.74 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1800.00 | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 780954 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1381.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1425.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781048 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4045.48 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4050.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781119 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1551.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781129 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5145.21 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4050.00 | No | (No Data) | 0.79 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781222 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1992.32 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 0.98 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781228 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1460.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781233 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1130.12 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1000.00 | 0.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 781248 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2715.26 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.66 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781279 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2562.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 0.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781362 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3565.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2850.00 | No | (No Data) | 0.80 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781397 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1323.01 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781410 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3114.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781429 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 11.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2102.39 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2325.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781519 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0.945 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12662.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6500.00 | No | (No Data) | 0.51 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781520 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6155 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 0.54 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781521 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4452.89 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 0.65 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781522 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5741.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.52 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781551 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2988.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781554 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3127.65 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 781595 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1657.23 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1525.00 | 0.92 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 781816 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6032.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8400.00 | No | (No Data) | 1.39 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781820 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1630 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 781824 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5252.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5900.00 | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 781844 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 11.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11314.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 0.40 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781862 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1499.87 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.33 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781910 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 12.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1254.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 782010 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5577.58 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5900.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 782047 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7259.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8100.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 782065 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 11.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2508.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 0.76 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 782135 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1792 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 782191 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 10.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5454.87 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 782245 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1494.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.40 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 782257 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 11.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1582 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 782282 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 11.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1680.15 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1900.00 | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 782290 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1573.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1890.00 | 1.20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 782293 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4296.59 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4300.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 782297 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2291.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 782330 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3507.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2050.00 | No | (No Data) | 0.58 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 782357 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2241.9 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 782461 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -20481.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 23750.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 782554 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1933.27 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 782729 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3189.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2770.00 | No | (No Data) | 0.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 782740 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1983.37 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1995.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 783011 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3188.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3350.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |

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## Exhibit 99.13

**EXHIBIT 99.13**

**clayton rating agency grades report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2023-2** |
| **Start - End Dates:** | **3/2022 - 1/2023** |
| **Deal Loan Count:** | **206** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *206* |
| ***Loans with Conditions:*** | *58* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Kroll Initial Securitization Loan Compliance Grade** | **Kroll Final Securitization Loan Compliance Grade** | **Fitch Initial Securitization Loan Compliance Grade** | **Fitch Final Securitization Loan Compliance Grade** |
| 768212 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768239 | Yes | xxxxxx | Not Applicable | A | A | A | A |
| 768245 | Yes | xxxxxx | Not Applicable | A | A | A | A |
| 768253 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768268 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768279 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768288 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 768451 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768464 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768469 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768471 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769724 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770043 | Yes | xxxxxx | Not Applicable | A | A | A | A |
| 770878 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771196 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771415 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771470 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771851 | Yes | xxxxxx | xxxxxx D B A | A | A D B | A | A |
| 772805 | Yes | xxxxxx | Not Applicable | A | A | A | A |
| 772918 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772962 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 773037 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 773067 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 773120 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 773156 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773342 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 773347 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 773500 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773509 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 773623 | Yes | xxxxxx | Not Applicable D | A | A D | A | A |
| 773753 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773754 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A |
| 773755 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773758 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773760 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773761 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773765 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773767 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773771 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 773775 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773776 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773842 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773932 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 774008 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 774017 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774194 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774196 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 774546 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774678 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774680 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774687 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774715 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774730 | Yes | xxxxxx | Not Applicable | A | A | A | A |
| 775048 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775105 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775224 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775241 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775322 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775327 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775328 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775329 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775335 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775368 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775440 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775509 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775658 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775874 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775879 | Yes | xxxxxx | Not Applicable D | N/A | N/A D | N/A | N/A |
| 776119 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776241 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776246 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 776351 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776413 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776933 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776949 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777001 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777002 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 777003 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777004 | Yes | xxxxxx | xxxxxx D B A | C | B D A | C | B |
| 777005 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777006 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777007 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 777008 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777012 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A |
| 777013 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 777037 | Yes | xxxxxx | Not Applicable B | N/A | N/A B | N/A | N/A |
| 777575 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777632 | Yes | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A |
| 777687 | Yes | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A |
| 777885 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778040 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778365 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778526 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778527 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778550 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778648 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778687 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 778935 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778938 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778956 | Yes | xxxxxx | Not Applicable | A | A | A | A |
| 779254 | Yes | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A |
| 779548 | Yes | xxxxxx | Not Applicable B | N/A | N/A B | N/A | N/A |
| 779571 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 779594 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779599 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779681 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 779689 | Yes | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A |
| 779753 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779785 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 779806 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779846 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779848 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 779851 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779853 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 779854 | Yes | xxxxxx | Not Applicable C B | N/A | N/A C B | N/A | N/A |
| 779856 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 779871 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779878 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780082 | Yes | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A |
| 780099 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780100 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 780177 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780208 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780214 | Yes | xxxxxx | Not Applicable B | A | A B | A | A |
| 780220 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780227 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780234 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780238 | Yes | xxxxxx | Not Applicable C | A | A C | A | A |
| 780248 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780250 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A |
| 780254 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B |
| 780255 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780257 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780258 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780264 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780266 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780273 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A |
| 780279 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780280 | Yes | xxxxxx | xxxxxx B A | B | A B | B | A |
| 780295 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780298 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 780300 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780311 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 780312 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780313 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780314 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A |
| 780360 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780384 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780393 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 780466 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780749 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780752 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780764 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780767 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 780771 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780776 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780779 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780800 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780853 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780856 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780938 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780940 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780954 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781048 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781119 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781129 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781222 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 781228 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781233 | Yes | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A |
| 781248 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781279 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781362 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 781397 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781410 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 781429 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781519 | Yes | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A |
| 781520 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 781521 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 781522 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781551 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781554 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781595 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781816 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781820 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781824 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 781844 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781862 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 781910 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 782010 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 782047 | Yes | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A |
| 782065 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 782135 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 782191 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 782245 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 782257 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 782282 | Yes | xxxxxx | Not Applicable B | N/A | N/A B | N/A | N/A |
| 782290 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 782293 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 782297 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 782330 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 782357 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 782461 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 782554 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 782729 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 782740 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 783011 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**clayton valuations summary**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2023-2 |
| **Start - End Dates:** | 03/2022-1/2023 |
| **Deal Loan Count:** | 206 |
| **Valuations Summary** |  |
| *Loans in Report:* | *206* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Infomation** |
| **Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 768212 | xxxxxx | xxxxxx | xxxxxx | 01/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 02/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768239 | xxxxxx | xxxxxx | xxxxxx | 02/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 768245 | xxxxxx | xxxxxx | xxxxxx | 02/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 02/07/2022 | xxxxxx | xxxxxx | -7.22% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768253 | xxxxxx | xxxxxx | xxxxxx | 01/21/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 02/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768268 | xxxxxx | xxxxxx | xxxxxx | 01/21/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 02/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768279 | xxxxxx | xxxxxx | xxxxxx | 12/08/2021 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 02/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768288 | xxxxxx | xxxxxx | xxxxxx | 12/15/2021 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768451 | xxxxxx | xxxxxx | xxxxxx | 02/18/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/04/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768464 | xxxxxx | xxxxxx | xxxxxx | 02/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 768469 | xxxxxx | xxxxxx | xxxxxx | 02/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768471 | xxxxxx | xxxxxx | xxxxxx | 02/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 02/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 769724 | xxxxxx | $0.00 | xxxxxx | 01/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770043 | xxxxxx | xxxxxx | xxxxxx | 04/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770878 | xxxxxx | xxxxxx | xxxxxx | 05/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 04/18/2022 | xxxxxx | xxxxxx | 4.55% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771196 | xxxxxx | xxxxxx | xxxxxx | 04/22/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771415 | xxxxxx | xxxxxx | xxxxxx | 05/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771470 | xxxxxx | xxxxxx | xxxxxx | 02/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 771851 | xxxxxx | xxxxxx | xxxxxx | 04/02/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 772805 | xxxxxx | xxxxxx | xxxxxx | 05/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 772918 | xxxxxx | xxxxxx | xxxxxx | 06/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 772962 | xxxxxx | xxxxxx | xxxxxx | 05/16/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 773037 | xxxxxx | xxxxxx | xxxxxx | 06/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 773067 | xxxxxx | $0.00 | xxxxxx | 05/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/21/2022 | xxxxxx | xxxxxx | -8.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 773120 | xxxxxx | xxxxxx | xxxxxx | 07/01/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 773156 | xxxxxx | $0.00 | xxxxxx | 06/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/07/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 773342 | xxxxxx | $0.00 | xxxxxx | 05/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773347 | xxxxxx | xxxxxx | xxxxxx | 06/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773500 | xxxxxx | xxxxxx | xxxxxx | 06/08/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 773509 | xxxxxx | $0.00 | xxxxxx | 05/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773623 | xxxxxx | xxxxxx | xxxxxx | 06/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 773753 | xxxxxx | $0.00 | xxxxxx | 04/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/29/2022 | xxxxxx | xxxxxx | -1.90% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 773754 | xxxxxx | $0.00 | xxxxxx | 04/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773755 | xxxxxx | $0.00 | xxxxxx | 05/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 773758 | xxxxxx | xxxxxx | xxxxxx | 05/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 773760 | xxxxxx | xxxxxx | xxxxxx | 02/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 773761 | xxxxxx | xxxxxx | xxxxxx | 02/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773765 | xxxxxx | $0.00 | xxxxxx | 03/31/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | ProTek | 04/29/2022 | xxxxxx | xxxxxx | -6.25% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773767 | xxxxxx | $0.00 | xxxxxx | 04/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 773771 | xxxxxx | xxxxxx | xxxxxx | 04/06/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 773775 | xxxxxx | xxxxxx | xxxxxx | 05/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773776 | xxxxxx | xxxxxx | xxxxxx | 05/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 773842 | xxxxxx | $0.00 | xxxxxx | 03/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/25/2022 | xxxxxx | xxxxxx | -3.68% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 773932 | xxxxxx | $0.00 | xxxxxx | 06/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774008 | xxxxxx | xxxxxx | xxxxxx | 06/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774017 | xxxxxx | xxxxxx | xxxxxx | 05/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 774194 | xxxxxx | $0.00 | xxxxxx | 06/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 774196 | xxxxxx | xxxxxx | xxxxxx | 06/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 774546 | xxxxxx | xxxxxx | xxxxxx | 07/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774678 | xxxxxx | $0.00 | xxxxxx | 03/05/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774680 | xxxxxx | $0.00 | xxxxxx | 06/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774687 | xxxxxx | $0.00 | xxxxxx | 06/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 774715 | xxxxxx | $0.00 | xxxxxx | 06/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/13/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 774730 | xxxxxx | $0.00 | xxxxxx | 06/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 775048 | xxxxxx | $0.00 | xxxxxx | 04/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775105 | xxxxxx | $0.00 | xxxxxx | 07/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775224 | xxxxxx | xxxxxx | xxxxxx | 07/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775241 | xxxxxx | xxxxxx | xxxxxx | 06/10/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 775322 | xxxxxx | $0.00 | xxxxxx | 08/19/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775327 | xxxxxx | xxxxxx | xxxxxx | 07/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 775328 | xxxxxx | xxxxxx | xxxxxx | 06/27/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775329 | xxxxxx | xxxxxx | xxxxxx | 06/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775335 | xxxxxx | $0.00 | xxxxxx | 06/21/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775368 | xxxxxx | xxxxxx | xxxxxx | 07/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775440 | xxxxxx | xxxxxx | xxxxxx | 07/11/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775509 | xxxxxx | xxxxxx | xxxxxx | 07/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775658 | xxxxxx | $0.00 | xxxxxx | 06/15/2022 | xxxxxx | Other |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | Clear Capital | 08/01/2022 | xxxxxx | xxxxxx | -10.53% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775874 | xxxxxx | xxxxxx | xxxxxx | 07/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 775879 | xxxxxx | $0.00 | xxxxxx | 05/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/04/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776119 | xxxxxx | $0.00 | xxxxxx | 07/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 776241 | xxxxxx | $0.00 | xxxxxx | 08/11/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 776246 | xxxxxx | xxxxxx | xxxxxx | 07/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776351 | xxxxxx | xxxxxx | xxxxxx | 07/25/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776413 | xxxxxx | $0.00 | xxxxxx | 07/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 776933 | xxxxxx | xxxxxx | xxxxxx | 07/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 999 |
| 776949 | xxxxxx | xxxxxx | xxxxxx | 08/01/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777001 | xxxxxx | xxxxxx | xxxxxx | 07/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | ProTek | 07/18/2022 | xxxxxx | xxxxxx | 7.20% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 777002 | xxxxxx | $0.00 | xxxxxx | 04/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 01/30/2023 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | ProTek | 07/06/2022 | xxxxxx | xxxxxx | -15.88% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 777003 | xxxxxx | xxxxxx | xxxxxx | 04/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | ProTek | 06/06/2022 | xxxxxx | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 777004 | xxxxxx | $0.00 | xxxxxx | 06/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777005 | xxxxxx | $0.00 | xxxxxx | 04/11/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | ProTek | 06/10/2022 | xxxxxx | xxxxxx | -4.12% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777006 | xxxxxx | $0.00 | xxxxxx | 06/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 777007 | xxxxxx | xxxxxx | xxxxxx | 07/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 777008 | xxxxxx | $0.00 | xxxxxx | 06/08/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | ProTek | 07/19/2022 | xxxxxx | xxxxxx | 41.46% |  |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 777012 | xxxxxx | $0.00 | xxxxxx | 06/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777013 | xxxxxx | xxxxxx | xxxxxx | 05/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777037 | xxxxxx | $0.00 | xxxxxx | 05/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 777575 | xxxxxx | xxxxxx | xxxxxx | 08/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/25/2022 | xxxxxx | xxxxxx | -5.72% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 777632 | xxxxxx | xxxxxx | xxxxxx | 07/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/14/2022 | xxxxxx | xxxxxx | -9.50% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 777687 | xxxxxx | xxxxxx | xxxxxx | 04/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 777885 | xxxxxx | xxxxxx | xxxxxx | 08/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778040 | xxxxxx | xxxxxx | xxxxxx | 09/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/02/2022 | xxxxxx | xxxxxx | 0.44% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778365 | xxxxxx | xxxxxx | xxxxxx | 09/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 778526 | xxxxxx | $0.00 | xxxxxx | 09/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 778527 | xxxxxx | xxxxxx | xxxxxx | 08/25/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 778550 | xxxxxx | xxxxxx | xxxxxx | 08/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/16/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 778648 | xxxxxx | $0.00 | xxxxxx | 09/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 778687 | xxxxxx | $0.00 | xxxxxx | 10/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778935 | xxxxxx | xxxxxx | xxxxxx | 09/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 778938 | xxxxxx | $0.00 | xxxxxx | 09/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 778956 | xxxxxx | xxxxxx | xxxxxx | 09/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 779254 | xxxxxx | $0.00 | xxxxxx | 10/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 779548 | xxxxxx | $0.00 | xxxxxx | 09/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 779571 | xxxxxx | $0.00 | xxxxxx | 10/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 779594 | xxxxxx | xxxxxx | xxxxxx | 09/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 779599 | xxxxxx | $0.00 | xxxxxx | 06/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 779681 | xxxxxx | xxxxxx | xxxxxx | 09/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 779689 | xxxxxx | xxxxxx | xxxxxx | 10/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/04/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 779753 | xxxxxx | xxxxxx | xxxxxx | 09/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 779785 | xxxxxx | $0.00 | xxxxxx | 10/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779806 | xxxxxx | xxxxxx | xxxxxx | 10/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 779846 | xxxxxx | $0.00 | xxxxxx | 08/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 779848 | xxxxxx | $0.00 | xxxxxx | 08/19/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/24/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 779851 | xxxxxx | xxxxxx | xxxxxx | 09/02/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | ProTek | 09/14/2022 | xxxxxx | xxxxxx | -0.51% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779853 | xxxxxx | xxxxxx | xxxxxx | 08/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 779854 | xxxxxx | xxxxxx | xxxxxx | 09/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 779856 | xxxxxx | $0.00 | xxxxxx | 08/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 779871 | xxxxxx | xxxxxx | xxxxxx | 10/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 779878 | xxxxxx | xxxxxx | xxxxxx | 10/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780082 | xxxxxx | xxxxxx | xxxxxx | 09/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 780099 | xxxxxx | $0.00 | xxxxxx | 07/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780100 | xxxxxx | $0.00 | xxxxxx | 09/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/07/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 780177 | xxxxxx | xxxxxx | xxxxxx | 10/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 780208 | xxxxxx | $0.00 | xxxxxx | 09/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780214 | xxxxxx | xxxxxx | xxxxxx | 09/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780220 | xxxxxx | $0.00 | xxxxxx | 07/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780227 | xxxxxx | xxxxxx | xxxxxx | 08/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780234 | xxxxxx | $0.00 | xxxxxx | 08/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/17/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780238 | xxxxxx | xxxxxx | xxxxxx | 08/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780248 | xxxxxx | xxxxxx | xxxxxx | 08/05/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780250 | xxxxxx | xxxxxx | xxxxxx | 08/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/10/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780254 | xxxxxx | xxxxxx | xxxxxx | 08/08/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/24/2022 | xxxxxx | $0.00 | 0.00% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 780255 | xxxxxx | xxxxxx | xxxxxx | 08/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780257 | xxxxxx | xxxxxx | xxxxxx | 08/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780258 | xxxxxx | $0.00 | xxxxxx | 08/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 780264 | xxxxxx | xxxxxx | xxxxxx | 08/10/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  | 08/23/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780266 | xxxxxx | $0.00 | xxxxxx | 08/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/30/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780273 | xxxxxx | xxxxxx | xxxxxx | 08/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 780279 | xxxxxx | xxxxxx | xxxxxx | 08/16/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  | 08/18/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780280 | xxxxxx | xxxxxx | xxxxxx | 08/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/19/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780295 | xxxxxx | xxxxxx | xxxxxx | 08/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/22/2022 | xxxxxx | xxxxxx | -1.91% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 780298 | xxxxxx | xxxxxx | xxxxxx | 08/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/25/2022 | xxxxxx | xxxxxx | 0.44% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780300 | xxxxxx | xxxxxx | xxxxxx | 08/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 07/19/2022 | xxxxxx | $0.00 | 0.00% | Full Appraisal | xxxxxx | 08/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780311 | xxxxxx | xxxxxx | xxxxxx | 08/08/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/08/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780312 | xxxxxx | xxxxxx | xxxxxx | 09/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780313 | xxxxxx | xxxxxx | xxxxxx | 08/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780314 | xxxxxx | xxxxxx | xxxxxx | 09/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780360 | xxxxxx | $0.00 | xxxxxx | 09/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 10/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 780384 | xxxxxx | xxxxxx | xxxxxx | 10/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780393 | xxxxxx | xxxxxx | xxxxxx | 09/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 780466 | xxxxxx | $0.00 | xxxxxx | 10/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 780749 | xxxxxx | xxxxxx | xxxxxx | 10/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 780752 | xxxxxx | xxxxxx | xxxxxx | 11/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 780764 | xxxxxx | $0.00 | xxxxxx | 09/16/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780767 | xxxxxx | $0.00 | xxxxxx | 06/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/31/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780771 | xxxxxx | xxxxxx | xxxxxx | 10/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780776 | xxxxxx | $0.00 | xxxxxx | 10/19/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/16/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780779 | xxxxxx | $0.00 | xxxxxx | 10/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 780800 | xxxxxx | xxxxxx | xxxxxx | 10/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780853 | xxxxxx | xxxxxx | xxxxxx | 10/17/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/24/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780856 | xxxxxx | xxxxxx | xxxxxx | 10/13/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 780938 | xxxxxx | $0.00 | xxxxxx | 10/19/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/31/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780940 | xxxxxx | $0.00 | xxxxxx | 10/17/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/31/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780954 | xxxxxx | xxxxxx | xxxxxx | 10/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 781048 | xxxxxx | xxxxxx | xxxxxx | 09/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 781119 | xxxxxx | xxxxxx | xxxxxx | 10/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 781129 | xxxxxx | $0.00 | xxxxxx | 10/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 781222 | xxxxxx | $0.00 | xxxxxx | 08/29/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 781228 | xxxxxx | $0.00 | xxxxxx | 10/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 781233 | xxxxxx | $0.00 | xxxxxx | 10/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 781248 | xxxxxx | xxxxxx | xxxxxx | 10/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 781279 | xxxxxx | $0.00 | xxxxxx | 11/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 781362 | xxxxxx | $0.00 | xxxxxx | 10/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 781397 | xxxxxx | $0.00 | xxxxxx | 10/10/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 781410 | xxxxxx | $0.00 | xxxxxx | 08/15/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 781429 | xxxxxx | $0.00 | xxxxxx | 08/22/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 781519 | xxxxxx | $0.00 | xxxxxx | 06/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | ProTek | 09/13/2022 | xxxxxx | xxxxxx | -38.80% | Clear Capital | Reconciliation | 09/16/2022 | xxxxxx | $0.00 | 0.00% | 5 |
| 781520 | xxxxxx | xxxxxx | xxxxxx | 09/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 781521 | xxxxxx | $0.00 | xxxxxx | 09/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 781522 | xxxxxx | xxxxxx | xxxxxx | 10/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/20/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 781551 | xxxxxx | $0.00 | xxxxxx | 11/03/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 781554 | xxxxxx | xxxxxx | xxxxxx | 10/06/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 781595 | xxxxxx | $0.00 | xxxxxx | 10/26/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 781816 | xxxxxx | $0.00 | xxxxxx | 08/22/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 781820 | xxxxxx | xxxxxx | xxxxxx | 11/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 781824 | xxxxxx | $0.00 | xxxxxx | 10/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 781844 | xxxxxx | xxxxxx | xxxxxx | 10/04/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/06/2022 | xxxxxx | xxxxxx | -4.17% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 781862 | xxxxxx | $0.00 | xxxxxx | 11/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 12/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 781910 | xxxxxx | $0.00 | xxxxxx | 11/19/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 782010 | xxxxxx | $0.00 | xxxxxx | 11/19/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 782047 | xxxxxx | xxxxxx | xxxxxx | 11/08/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 782065 | xxxxxx | xxxxxx | xxxxxx | 11/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 782135 | xxxxxx | xxxxxx | xxxxxx | 10/31/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 782191 | xxxxxx | xxxxxx | xxxxxx | 12/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 782245 | xxxxxx | $0.00 | xxxxxx | 11/03/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 782257 | xxxxxx | xxxxxx | xxxxxx | 12/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 782282 | xxxxxx | $0.00 | xxxxxx | 10/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/30/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 782290 | xxxxxx | $0.00 | xxxxxx | 11/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 782293 | xxxxxx | $0.00 | xxxxxx | 11/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 782297 | xxxxxx | xxxxxx | xxxxxx | 12/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/09/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 782330 | xxxxxx | $0.00 | xxxxxx | 10/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/16/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 782357 | xxxxxx | $0.00 | xxxxxx | 11/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 782461 | xxxxxx | $0.00 | xxxxxx | 11/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 782554 | xxxxxx | $0.00 | xxxxxx | 10/24/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 782729 | xxxxxx | xxxxxx | xxxxxx | 12/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 782740 | xxxxxx | $0.00 | xxxxxx | 12/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 783011 | xxxxxx | xxxxxx | xxxxxx | 10/18/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**COVIUS REAL ESTATE SERVICES, LLC ("CRES") EXECUTIVE SUMMARY**

![](tm238032d1_ex99-15img001.jpg)

Executive Summary <br> VERUS 2023-2

**(1)** **Type of Assets.** 

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on residential mortgage loans originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) by VMC Asset Pooler, LLC (the "Client"). The loan reviews were conducted from December 2019 through August 2022 by CRES.

**(2)** **Number of Assets.** 

There were 29 assets in the loan population.

**(3)** **Review Process.** 

The post-closing loan reviews were graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Methodology, February 2, 2021<br>|
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated April 18, 2022 |

---

The post-closing reviews included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

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

The due diligence review was conducted on 100% of the loan population and consisted of 29 mortgage loans, with an aggregate original principal balance of approximately $17,723,727. The mortgage loans were originated from March 19, 2021, to July 6, 2022, by 17 sellers, with 31.03% of the portfolio being originated by one seller.

Page 1 of 10

**(5)** **Asset Review** 

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines and as applicable Appendix Q or Ability to Repay.

Page 2 of 10

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines, debt to income and debt service coverage ratio requirements.

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or an enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a client approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a client approved AMC is acceptable. The source of the Appraisal Review Product may not be the same AMC used for the appraisal. If the Collateral Underwriter Risk Score was 2.5 or below an additional valuation product was not required. If the Collateral Underwriter Risk Score is greater than 2.5 an enhanced desk review product was also required. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, correspondents may include an enhanced desk review product from a Client approved AMC. All ARR or CDA documentation provided by a client approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

For loans that did not maintain an acceptable enhanced desk review product, CRES ordered a Broker Price Opinion (BPO) or an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management Companies for valuation support. All loans outside of a 10% variance from the original appraised value were identified and communicated to the Client. For mixed-use and 5-10 unit multifamily properties on non-residential appraisals that returned an inconclusive from the Desk Review BPO's were ordered as an additional secondary valuation product.

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

Page 3 of 10

**Compliance Review Methodology (Consumer Loans)**

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

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing. Note that certain loans may be classified as "business purpose". In such cases certain compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

*CRES utilizes a third-party compliance company's software for certain compliance tests. The following Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third-party compliance software:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

(II) Interest Only Loan test.

(III) Balloon Payment Loan test.

(IV) Loan Term test.

(V) Points and Fees test.

(VI) The Qualified Mortgage DTI Threshold test.

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

(II) Points and fees threshold test.

(III) Prepayment penalty threshold test.

(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

(II) TILA APR test.

(III) Dual Broker Compensation test.

(IV) Loan originator credits test.

(V) TILA Financing of Single Premium Credit Insurance test.

(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

(II) Initial loan estimate delivery date test (prior to consummation).

(III) Written list of service provider's disclosure date test.

Page 4 of 10

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

(II) Revised loan estimate delivery date and changed circumstances date test.

(III) Revised loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR §1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

(II) Initial closing disclosure delivery date and changed circumstances date test.

(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

(II) Revised Closing Disclosure Waiting Period Required test.

(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

(II) Revised closing disclosure delivery date and changed circumstances date test.

(III) Revised closing disclosure delivery date and date the rate was set test.

(IV) Revised closing disclosure lender credits test.

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

(II) Lender credits that cannot decrease test.

(III) Charges that in total cannot increase more than 10% test.

(IV) Charges that can have an unlimited increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

(II) Good Faith Estimate disclosure date test.

(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state license-based consumer lending and licensing laws and regulations tests were also completed using the third-party compliance software.

This pool contains 7 loans that are classified as "business purpose". In such cases compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully-indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

Page 5 of 10

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following five categories: (i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/High Priced Mortgage Loan (rebuttable presumption): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iii) Non-QM Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (iv) Non- QM/Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (v) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Classifications of QM and Non-QM are based on multiple factors including, but not limited to, requirements as set forth in Appendix Q to Part 1026.

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

---

| | | |
|:---|:---|:---|
| | **Count** | **Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | 7 | 24.14% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | 0 | 0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | 22 | 75.87% |

---

**Document Review**

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

---

| |
|:---|
| ● Appraisal. |
| ● Asset documentation.<br> ● Business Purpose Certification (if applicable) |
| ● Changed circumstance documentation. |
| ● Credit report. |
| ● FACTA disclosures. |
| ● Final 1003. |
| ● Final HUD-1/Closing Disclosure(s). |
| ● Hazard and/or flood insurance policies. |
| ● HUD from sale of previous residence. |
| ● Homeownership counseling organizations disclosure. |
| ● Income and employment documentation. |
| ● Initial and final GFE's. |
| ● Initial application (1003). |
| ● Initial escrow disclosure. |
| ● Initial TIL. |

---

Page 6 of 10

---

| |
|:---|
| <br> ● Leases |
| ● Loan Estimate(s).<br> ● Market Rent supporting documentation |
| ● Mortgage Insurance. |
| ● Mortgage/Deed of Trust. |
| ● Note. |
| ● Notice of Special Flood Hazards. |
| ● Sales contract. |
| ● Tangible Net Benefit Disclosure. |
| ● Title/Preliminary Title. |
| ● Written List of Service Providers. |

---

**(6)** **Tape Data Compare** 

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

---

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

---

The aggregator provided CRES with loan level data regarding the mortgage loans for the data integrity check. The aggregator received the data directly from sellers through loan registrations in its system or via data tape. In most cases, loans are registered before closing and prior to any pre-funding guideline review.

Of the 29 mortgage loans reviewed, twenty unique mortgage loans had at least one tape discrepancy across 21 data fields (some mortgage loans had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;25 | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;28 | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;DSCR\* | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;16 | &nbsp;&nbsp;13 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;27 | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;First Payment Date\* | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;28 | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;28 | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;27 | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 |

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Page 7 of 10

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;28 | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;QM Type/TILA, Note Date, First Payment Date, DSCR: Tape data was not provided | &nbsp;&nbsp;QM Type/TILA, Note Date, First Payment Date, DSCR: Tape data was not provided | &nbsp;&nbsp;QM Type/TILA, Note Date, First Payment Date, DSCR: Tape data was not provided | &nbsp;&nbsp;QM Type/TILA, Note Date, First Payment Date, DSCR: Tape data was not provided |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

**(7)** **Credit, Compliance and Property Valuation Results** 

**Credit Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Credit grade of "B" or higher and 58.62% of the mortgage loans by number have a Credit grade of "A." Exceptions or waivers were documented and supported with compensating factors on 12 Credit grade "B" loans.

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 17 | 58.62% |
| B | 12 | 41.38% |
| C | 0 | 0.00% |
| **Total** | **29** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number received a Compliance grade of "B" or higher and 89.66% of the mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 26 | 89.66% |
| B | 3 | 10.34% |
| C | 0 | 0.00% |
| **Total** | **29** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of all mortgage loans by number received a Valuation grade of "B" or higher and 93.10% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 27 | 93.10% |
| B | 2 | 6.90% |
| C | 0 | 0.00% |
| **Total** | **29** | **100.00%** |

---

Page 8 of 10

**Overall Credit, Compliance and Property Valuation Results Summary**

Approximately 100% of all loans by number received an "A" or "B" overall grade and 51.72% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 15 | 51.72% |
| B | 14 | 48.28% |
| C | 0 | 0.00% |
| **Total** | **29** | **100.00%** |

---

**(8)** **Pool Stratification Summary** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Count** | **Percentage** |
| &nbsp;&nbsp;First | 29 | 100.00% |
| &nbsp;&nbsp;**Total** | **29** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | 1 | 3.45% |
| &nbsp;&nbsp;**Fixed** | 28 | 96.55% |
| &nbsp;&nbsp;**Total** | **29** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | 22 | 75.86% |
| &nbsp;&nbsp;**Non-Owner Occupied** | 7 | 24.14% |
| &nbsp;&nbsp;**Second Home** | 0 | &nbsp;&nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | **29** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | 19 | 65.52% |
| &nbsp;&nbsp;**Refi - Cash Out** | 9 | 31.03% |
| &nbsp;&nbsp;**Rate Term Refi** | 1 | 3.45% |
| &nbsp;&nbsp;**Total** | **29** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | 22 | 75.86% |
| &nbsp;&nbsp;**PUD** | 3 | 10.34% |
| &nbsp;&nbsp;**Condo** | 2 | 6.90% |
| &nbsp;&nbsp;**Co-Op** | 0 | 0.00% |
| &nbsp;&nbsp;**2-4 Family** | 2 | 6.90% |
| &nbsp;&nbsp;**5-10 Unit Multifamily** | 0 | 0.00% |
| &nbsp;&nbsp;**Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **29** | **100.00%** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Debt to Income** | **Count** | **Percentage** |
| &nbsp;&nbsp;**0-10%** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-20%** | 4 | 13.79% |
| &nbsp;&nbsp;**20%-30%** | 5 | 17.24% |
| &nbsp;&nbsp;**30%-40%** | 10 | 34.48% |
| &nbsp;&nbsp;**40%-50%** | 7 | 24.14% |
| &nbsp;&nbsp;**50%-60%** | 3 | 10.34% |
| &nbsp;&nbsp;**Total** | **29** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | **Count** | **Percentage** |
| &nbsp;&nbsp;**0%-10%** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-20%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-30%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-40%** | 2 | 6.90% |
| &nbsp;&nbsp;**40%-50%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-60%** | 2 | 6.90% |
| &nbsp;&nbsp;**60%-70%** | 3 | 10.34% |
| &nbsp;&nbsp;**70%-80%** | 9 | 31.03% |
| &nbsp;&nbsp;**80%-90%** | 12 | 41.38% |
| &nbsp;&nbsp;**90%-100%** | 1 | 3.45% |
| &nbsp;&nbsp;**Total** | **29** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | **Count** | **Percentage** |
| CA | 8 | 27.59% |
| CO | 1 | 3.45% |
| CT | 1 | 3.45% |
| FL | 3 | 10.34% |
| GA | 1 | 3.45% |
| IL | 1 | 3.45% |
| MA | 1 | 3.45% |
| NC | 1 | 3.45% |
| NJ | 2 | 6.90% |
| NY | 4 | 13.79% |
| OR | 2 | 6.90% |
| PA | 1 | 3.45% |
| RI | 1 | 3.45% |
| VA | 1 | 3.45% |
| WI | 1 | 3.45% |
| &nbsp;&nbsp;**Total** | **29** | **100.00%** |

---

Page 10 of 10

## Exhibit 99.16

**EXHIBIT 99.16**

**CRES Rating Agency Exceptions Report**

**Rating Agency Exceptions Report: 2/7/2023**

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| 754813 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Four-Unit Property | 789 | 80.00% | xxxxxx | xxxxxx | Compliance | Other | According to the underwriting xxxxxx, escrow funds/impound accounts are required to be established for all HPML loans. In this case, an escrow account was not established at closing. | Client accepts the loan as is. Will remain an EV3. 2/1/2023: Client waived exception with compensating factors based on SOL loan upgraded to EV2. | Credit Score - Credit Score 30+ points > minimum required, Months Of Reserves - 15.67 Months of Reserves | Client waives with compensating factors B | 2 |
| 755996 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 767 | 37.12% | xxxxxx | xxxxxx | Credit | 1008 | Form 1008 or loan approval document is not included in the loan file for a manually underwritten loan. | 01/10/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 757120 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 674 | 70.00% | xxxxxx | xxxxxx | Compliance | Other | According to the underwriting guidelines, escrow funds/impound accounts are required to be established for all HPML loans. In this case, the final CD does not reflect an escrow account was established at closing. | Client accepts the EV3 grade. 2/1/2023:Client waived exception with compensating factors, Based on SOL loan upgraded to EV2. | DTI - Low DTI at 26.860%, Length of Employment - Self-employed for 3 years | Client waives with compensating factors B | 2 |
| 757120 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 674 | 70.00% | xxxxxx | xxxxxx | Credit | AUS/Loan Approval | The loan approval is missing from the loan file. | 03/15/2022: Client waived exception with compensating factors. | DTI - Low DTI at 26.860%, Length of Employment - Self-employed for 3 years | Client waives with compensating factors B | 2 |
| 763009 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Condo Attached | 777 | 65.00% | xxxxxx | xxxxxx | Property | Appraisal | The guidelines require a secondary desk review product on every loan. In this case the desk review is not located in the loan file. | 02/01/2022: Client waived exception with compensating factors. | DTI - The loan was approved with a DTI of 32.63 % which is 17.36 points below the the maximum DTI allowed of 49.99%, Years On Job - The borrower has been in the current job for 10 years | Client waives with compensating factors B | 2 |
| 763009 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Condo Attached | 777 | 65.00% | xxxxxx | xxxxxx | Credit | Credit | According to the underwriting xxxxxx, each borrower contributing income must have at least 3 trade lines opened for 12 months with activity. In this case, the primary borrower only has 2 tradelines reported with 12 months of activity.. | Client waived exception with compensating factors, based on pool seasoning of 6-12 months with on-time payments and compensating factors | DTI - The loan was approved with a DTI of 32.63 % which is 17.36 points below the the maximum DTI allowed of 49.99%, Years On Job - The borrower has been in the current job for 10 years | Client waives with compensating factors B | 2 |
| 764055 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 759 | 90.00% | xxxxxx | xxxxxx | Credit | Property Type - Eligibility | According to the guidelines, rural property type is not eligible for financing. In this case the property is rural per the appraisal report. | 5/6/2022: Client waived exception with compensating factors, granted exception for rural property | DTI - Max DTI living rent free is 43% Borrower DTI is 29.95%, Credit Score - Min credit score is 720. Borrower credit score is 759, Months Of Reserves - Min reserve requirement is 12 months. Borrower reserves is 16 months | Client waives with compensating factors B | 2 |
| 764055 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 759 | 90.00% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | Borrowers contact consent form is missing from the loan file | Client waived exception with compensating factors. | DTI - Max DTI living rent free is 43% Borrower DTI is 29.95%, Credit Score - Min credit score is 720. Borrower credit score is 759, Months Of Reserves - Min reserve requirement is 12 months. Borrower reserves is 16 months | Client waives with compensating factors B | 2 |
| 766280 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 812 | 70.00% | xxxxxx | xxxxxx | Credit | Eligibilty | According to underwriting xxxxxx, rural properties are not allowed. An exception request was approved and placed in the loan file. | Client waived exception with compensating factors. | Credit Score - Qualifying score 812, minimum requirement 720, DTI - DTI is 22.21%, maximum requirement 43%, LTV - LTV is 70%, requirements 80%, Reserves - 398 months reserves, 6 moths requirement | Client waives with compensating factors B | 2 |
| 766280 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 812 | 70.00% | xxxxxx | xxxxxx | Credit | Borrower ID | A copy of the Borrowers IDs are missing from the loan file. | 4/19/2022: Documentation received to clear condition. |  | Cleared Exception B | 1 |
| 766280 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 812 | 70.00% | xxxxxx | xxxxxx | Compliance | Closing Disclosure | This loan failed the revised loan estimate delivery date test (prior to consummation) due to proof of receipt for the revised LE dated xxxxxx being missing from the file. | 04/29/2022: The mailbox rule was utilized and the revised loan estimate delivery date of xxxxxx is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the closing date. |  | Cleared Exception B | 1 |
| 766645 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 680 | 69.66% | xxxxxx | xxxxxx | Credit | VOM | Per xxxxxx, if a borrower's mortgage or rental history is not reported on the credit report, a VOM/VOR must be provided. Any VOM/VOR completed by a private-party Seller, or any non-institutional lender must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, mortgage/rental statements including payment history, etc.) must be provided. Missing VOR and 6 month payment history for borrowers primary residence. The file contains a payment ledger from the landlord | 04/04/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 766645 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 680 | 69.66% | xxxxxx | xxxxxx | Credit | Final 1003 Discrepancies | The final 1003 in the file is illegible. The document is cut off on the left side. | 4/5/2022 Documentation to clear condition not received. Document required is executed copy of the final1003.<br> 5/6/2022: Documentation received to clear condition. |  | Cleared Exception B | 1 |
| 766645 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 680 | 69.66% | xxxxxx | xxxxxx | Credit | Final 1003 Discrepancies | The co-borrower's final 1003 shows borrowers address to be xxxxxx. However, according to the LOE in file, W2 and paystubs, B2 address is xxxxxx xxxxxx xxxxxx. | 04/04/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 766645 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 680 | 69.66% | xxxxxx | xxxxxx | Property | Appraisal - Property Eligiblity | This is a new construction to permanent financing cash out loan. Borrower is wanting to recoup his up front costs for<br> construction. Included are the acquisition detailed costs and the appraisal. The appraisal is listed as surburban, however, all comps are over 5 miles away. An exception was provided allowing the use of the appraised value as the property has been owned less than 1 year. | Client waived exception with compensating factors. | Months Of Reserves - Minimum reserve requirement is 6 months. The borrower has 28 months reserves, LTV - Max guideline LTV is 80%. Loan LTV is 70% | Client waives with compensating factors B | 2 |
| 766716 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | PUD | 804 | 60.00% | xxxxxx | xxxxxx | Compliance | Other | The initial closing disclosure receipt date is less than three business days before consummation. | Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 766716 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | PUD | 804 | 60.00% | xxxxxx | xxxxxx | Credit | Note | The note is materially incorrect as the document shows the interest only period will last through the first change date of xxxxxx However, the header of the note and the final CD both reflect the loan has only a 10 year IO period. Additionally, the note shows the adjustable rate will change on xxxxxx. The ARM disclosure shows the rate will change after the first 60 months. The note and ARM disclosure does not match | 4/8/2022 The updated Note was provided, however the Note Rider is missing. Could you provide the updated rider to the note. <br> 4/27/2022: Documenation received to clear condiion. |  | Cleared Exception D A | 1 |
| 766716 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | PUD | 804 | 60.00% | xxxxxx | xxxxxx | Credit | Income - Self Employment | According to the xxxxxx , when using the personal bank statement program, the following documents are needed: (1) Most recent 2 months business bank statements, and (2) Verify that the borrower owns 20% of the business by providing one of the following; CPA letter, Tax Preparer letter, operating agreement, or equivalent, reflecting the borrower's ownership percentage. In this case Business bank statements were not provided. Verification that the borrower owns 20% of the business is not in the file. | 5/4/2022: Bank Statements received was personal banks statements and not from business. Also, the documentation received did not support percentage of ownership. Must provide business bank statements and documentation showing borrower at least owns 20% of business.<br> 5/11/2022: Comingled program used to qualify. |  | Cleared Exception D A | 1 |
| 766716 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | PUD | 804 | 60.00% | xxxxxx | xxxxxx | Property | Appraisal | According to the underwriting xxxxxx, an appraisal desk review product must be ordered on each loan from a vendor listed on the Approved Appraisal Desk Review Vendor: CDA report from xxxxxx, ARR from xxxxxx, or ARA from xxxxxx . In this case, the appraisal review product is missing from the loan file. Additionally, the SSR in file reflects a score of 2.6, an indication of increased risk. | 05/26/2022: Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 766799 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 662 | 80.00% | xxxxxx | xxxxxx | Property | Appraisal | URAR/Appraisal document is not included in the loan file. | 5/4/2022: Documentation received to clear condition. |  | Cleared Exception D B | 1 |
| 766799 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 662 | 80.00% | xxxxxx | xxxxxx | Credit | Asset Verification | According to the xxxxxx, Non-sufficient funds (NSF) or negative balances reflected on the bank statement must be considered. Exception requests for tolerance deviations must include (a) a letter of explanation from the borrower outlining the reason for the occurrences and an explanation of how and when the issue leading to the occurrences was rectified, and (b) additional compensating factors outlined by the underwriter supporting the viability of income. In this case, the Business checking account with xxxxxx has a negative ending balance of -$351.11 as of xxxxxx and 20 NFS within the most recent 3 months with a total 52 NSF within the past 12 months. An Exception request addressing these issues is missing from the loan file | 5/12/2022: Client waived exception with compensating factors, exception for bank statement. | Months Of Reserves - Minimum reserve requirement is 6 months. The borrower has 74 months reserves, Length of Employment - The borrower has been self-employed for over 8 years. | Client waives with compensating factors D B | 2 |
| 766836 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Residential | 688 | 85.00% | xxxxxx | xxxxxx | Credit | Eligibilty | According to the underwriting xxxxxx, rural properties not eligible for financing. In this case the property is rural per neighborhood characteristics of the appraisal. | Client waived exception with compensating factors. | Length of Employment - Borrower has been self employed for 17 years | Client waives with compensating factors B | 2 |
| 767292 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Condo Attached | 699 | 80.00% | xxxxxx | xxxxxx | Compliance | Other | This loan failed the charges that cannot increase test. A change of circumstance for the Mortgage Broker fee dated xxxxxx was included in the file however the LE corresponding to the COC is missing from the file. | 04/20/2022: The revised CD dated xxxxxx was not included in the file. <br> 04/28/2022: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| 767292 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Condo Attached | 699 | 80.00% | xxxxxx | xxxxxx | Credit | Property Type - Eligibility | According to the underwriting xxxxxx, new project condominiums require that the project or subject's legal phase along with other development phases must be complete. All common elements in the project or legal phase must be 100% complete. Additionally, the HOA should be in control – project under Developer or Builder control will be considered on a case-by-case basis only. In this case, the Developer is still in control of the project. The common areas for the condominium are 100% complete however only 130 out of the 172 Units within the project are complete and the developer intends on turning control over to the unit owners in xxxxxx. | An exception dated xxxxxx was included in the file allowing the property. Client waived exception with compensating factors. | Length of Employment - Self-employed for 11 years, Credit Score - Credit Score 10+ points > minimum required, DTI - Low DTI of 13.68%. versus max dti of 50% | Client waives with compensating factors D B | 2 |
| 767292 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Condo Attached | 699 | 80.00% | xxxxxx | xxxxxx | Credit | Income - Self Employment | The loan file was approved using the bank statement program. The file did not include a business narrative but did include a P&L statement and therefore option 3 from the guidelines were utilized to qualify the loan. The guidelines state that the P&L Sales/Revenue must be supported by the provided bank statements. Total deposits reflected on the bank statements, minus any inconsistent deposits, must be greater than or no more than 15% below the sales/revenue reflected on the P&L. If the deposits support the sales, qualifying income is the lower of: the Net Income indicated on the P&L divided by the number of statements (24 or 12), or the total deposits reported on the bank statements, minus any inconsistent deposits, divided by the number of statements (24 or 12). In this case, the net income on the P&L is lower than the total deposits on the bank statements. The Net P&L income is $9907.05 which results in a DTI of 71.57%. | 5/6/2022: Received CPA that has 83% expense factor. Must have evidence of preparers business. DTI is above max guidelines @ 66.78%. <br> 5/10/2022: Documentation received to clear condition. |  | Cleared Exception D B | 1 |
| 767292 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Condo Attached | 699 | 80.00% | xxxxxx | xxxxxx | Property | Appraisal - Subject and Improvements | According to the appraisal report, The property is subject to completion. In this case a 442/Appraisal completion report is missing from the loan file | 4/22/2022: Documentation received to clear condition. |  | Cleared Exception D B | 1 |
| 767476 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 771 | 75.00% | xxxxxx | xxxxxx | Credit | VOM | According to the xxxxxx , all mortgages must be current and paid within 30 days of note date. The property at xxxxxx was purchased xxxxxx .The file is missing the VOM from xxxxxx | 05/10/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 767476 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 771 | 75.00% | xxxxxx | xxxxxx | Credit | Credit | According to the xxxxxx , the PITI must be documented for all properties on Alt-Doc loans. In this case the file is missing the hazard insurance for the property located at xxxxxx | 05/10/2022: Hazard policy has not been uploaded as sated. <br> 05/111/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 767485 | xxxxxx | xxxxxx | Rate Term Refi | Owner Occupied | Single Family Detached | 803 | 51.21% | xxxxxx | xxxxxx | Credit | 1008 | The 1008 is missing from the file | 4/27/2022: Documentation received to clear condition. |  | Cleared Exception D B | 1 |
| 767485 | xxxxxx | xxxxxx | Rate Term Refi | Owner Occupied | Single Family Detached | 803 | 51.21% | xxxxxx | xxxxxx | Credit | Income - Self Employment | According to the xxxxxx , for self employed borrwers; in addition to the personal/business tax returns, a YTD Profit and Loss Statement (P&L), signed and dated by the borrower, up to and including the most recent month preceding the loan application date and two business checking account statements for the two most recent months reflected on the P&L. In this case the borrower is missing the signed P&L statement. | 4/27/2022: Documentation received to clear condition. |  | Cleared Exception D B | 1 |
| 767485 | xxxxxx | xxxxxx | Rate Term Refi | Owner Occupied | Single Family Detached | 803 | 51.21% | xxxxxx | xxxxxx | Credit | Income - Borrower | Audited DTI is 50.46% Max DTI is 50%. | 4/27/2022: Client waived exception with compensating factors, granted exception for DTI. | Credit Score - 803 Credit Score, Length of Employment - Self-employed for 11 years, LTV - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. | Client waives with compensating factors D B | 2 |
| 767758 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Two-Unit Property | 756 | 80.00% | xxxxxx | xxxxxx | Credit | Initial 1003 | An initial signed 1003 is missing from the loan file | 4/1/2022 - Document provided to clear condition. |  | Cleared Exception A | 1 |
| 767758 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Two-Unit Property | 756 | 80.00% | xxxxxx | xxxxxx | Property | Appraisal | According to the xxxxxx, an appraisal review product is required on every loan. This can include the following: SSR with a score of 2.5 or less, CDA, ARA, or ARR. In this case the following is missing a CDA, ARA, or ARR. Small income properties SSR reports are not generated since this is a non-UAD form type | 4/5/2022 Documentation received to clear condition. |  | Cleared Exception A | 1 |
| 767758 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Two-Unit Property | 756 | 80.00% | xxxxxx | xxxxxx | Credit | Income | According o the underwriting xxxxxx , the credit file must contain documentation showing evidence of the preparers business. The file is missing evidence of preparers business. | 4/5/2022 Documentation received to clear condition. |  | Cleared Exception A | 1 |
| 767758 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Two-Unit Property | 756 | 80.00% | xxxxxx | xxxxxx | Compliance | Other | The revised LE signed at least 3 days prior to closing is missing from the loan file. The CD dated xxxxxx is not signed. Need receipt date. | 4/5/2022 Documentation received to clear condition. |  | Cleared Exception A | 1 |
| 767844 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 700 | 80.00% | xxxxxx | xxxxxx | Compliance | Other | This loan failed the lender credits that cannot decrease test. The initial CD reflects a lender credit of $190, however the final CD reflects the lender credit as $15 with no change of circumstance included verifying the reason for the credit decrease. | Lender provided a post consummation CD with proof of refund to cure condition. |  | Cleared Exception D B | 2 |
| 767844 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 700 | 80.00% | xxxxxx | xxxxxx | Credit | Asset Verification | According to the xxxxxx Non-sufficient funds (NSF) or negative balances reflected on the bank statement must be considered. In this case, NSF activity exceeds allowed per guidelines | Client waived exception with compensating factors. | Credit Score - qualifying score is 700 and min FICO requirement is 660, Credit History - No derogatory credit history | Client waives with compensating factors D B | 2 |
| 767844 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 700 | 80.00% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | The borrower's contact consent form is missing from the loan file | Client waived exception with compensating factors. | Credit Score - qualifying score is 700 and min FICO requirement is 660, Credit History - No derogatory credit history | Client waives with compensating factors D B | 2 |
| 767844 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 700 | 80.00% | xxxxxx | xxxxxx | Credit | Hazard Insurance | The dwelling policy coverage is $xxxxxx with an additional 25% replacement cost coverage which is a total of $xxxxxx . the loan amount is $xxxxxx . In this case the total dwelling coverage is not enough to cover the loan amount and the file is missing a replacement cost estimator. | 04/02/2022: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| 767975 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Two-Unit Property | 753 | 85.00% | xxxxxx | xxxxxx | Credit | Hazard Insurance | The insurance policy binder in the file is missing the policy number | 5/6/2022: Documentation received to clear condition. |  | Cleared Exception A | 1 |
| 767977 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Two-Unit Property | 748 | 70.00% | xxxxxx | xxxxxx | Credit | Total Debt Ratio | The borrowers primary residence is a HELOC with a payment of $xxxxxx per the statement in the file. The property taxes and home insurance fo rxxxxxx is missing from the file. | 4/14/2022 Documentation in file shows insurance expired. Must provided updated insurance for primary residence and HOA if applicable.<br> 4/26/2022 Documentation received to clear condition. |  | Cleared Exception A | 1 |
| 768203 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 784 | 75.00% | xxxxxx | xxxxxx | Credit | Employment | The Borrowing Certificate is missing from the loan file as required when a property is vested in an Entity.  | 6/3/2022: Documentation received to clear condition. |  | Cleared Exception D B | 1 |
| 768203 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 784 | 75.00% | xxxxxx | xxxxxx | Credit | Employment | A Certificate of Authorization for the person executing all documents on behalf of the Entity is missing from the loan file. | 6/3/2022: Documentation received to clear condition. |  | Cleared Exception D B | 1 |
| 768203 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 784 | 75.00% | xxxxxx | xxxxxx | Credit | Hazard Insurance | According to the xxxxxx, the hazard insurance must cover 100% insurable value of the improvements as established by the property insurer or the unpaid principle balance of the mortgage. In this case, the total dwelling coverage is $xxxxxx and the loan amount is $xxxxxx . The file is missing a replacement cost estimator | 6/10/2022: Documentation received to clear condition |  | Cleared Exception D B | 1 |
| 768203 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 784 | 75.00% | xxxxxx | xxxxxx | Credit | VOM | According to the xxxxxx , all mortgages must be current to the note date. In this case the note date is xxxxxx and the mortgages for xxxxxx andxxxxxx are due for xxxxxx | 06/24/2022: Document provided to clear condition. |  | Cleared Exception D B | 1 |
| 768203 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 784 | 75.00% | xxxxxx | xxxxxx | Credit | Hazard Insurance | Evidence of insurance is required for the following properties: xxxxxx , xxxxxx and xxxxxx | 06/29/2022: Proof of insurance for the 3 properties were not received. Please re-upload. <br> 07/19/2022: Document provided to clear condition. |  | Cleared Exception D B | 1 |
| 768203 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 784 | 75.00% | xxxxxx | xxxxxx | Credit | Total Debt Ratio | According to the xxxxxx , the maximum Debt to income ratio for Asset utilization loans is 43%. In this case the DTI is 46.98%. The file is missing rental agreements and bank statements showing deposits for xxxxxx and xxxxxx. as the 1003 reflects that both properties have rental income however no proof of the income was included in the loan file. | 07/11/2022: The xxxxxx account ending xxxxxx was already included in the asset utilization income. <br> 7/19/2022: The income has been updated and the DTI is now 46.98%, however the short term rental income for xxxxxx was not utilized as the document provided did not satisfy the guideline requirement. <br> 07/22/2022: Verus granted an exception allowing the DTI. Client waived exception with compensating factors. | LTV - LTV is 75%, 5 points under maximum requirement. , Months Of Reserves - Minimum reserve requirement is 6 months. Borrower has 512 months | Client waives with compensating factors D B | 2 |
| 769231 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 711 | 57.27% | xxxxxx | xxxxxx | Credit | VOM | According to the xxxxxx , all mortgage payments due in the month prior to the note date must be verified. In this case, the mortgage with xxxxxx, the next payment due is xxxxxx per the mortgage statement in the file. The note date is xxxxxx. The file is missing verification the xxxxxx payment has been made. | 5/20/2021: Documentation received to clear condition. |  | Cleared Exception A | 1 |
| 769237 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 724 | 80.00% | xxxxxx | xxxxxx | Credit | Asset Verification | According to the xxxxxx , minimum reserve requirement with 80% LTV is 6 months. In this case the borrower has 5 months reserves | 05/20/2022: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 769237 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 724 | 80.00% | xxxxxx | xxxxxx | Credit | Total Debt Ratio | According to the xxxxxx , the max DTI for a first time home buyer is 45%. In this case the audited DTI was 50.91% which exceeds the guidelines. An exception dated xxxxxx was included in the file allowing for the DTI exception at 47%. However, the audited DTI was 50.91%. | 5/20/2022: Lender qualified borrower using P&L only. Calculated income matches lender of $25,174.34. However, audited DTI is 50.91% UW used estimated tax of $12,016.8. Guidelines require an estimated tax rate of 1.25% of purchase price on xxxxxx purchase. Audited Tax 1,669,000 \* 1.25%= $20,862.50. <br> xxxxxx Property is located in xxxxxx and is a purchase. Guidelines require an estimated tax rate of 1.25%.<br> 6/1/2022: Guidelines specify that 1.25% is utilized for xxxxxx purchases.<br> 7/11/2022: An exception was included in the file allowing the DTI. Client waived exception with compensating factors. | Disposable Income - Disposable income is $12,358.76 | Client waives with compensating factors B | 2 |
| 769237 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 724 | 80.00% | xxxxxx | xxxxxx | Compliance | Other | File is missing all LE's, CD's with the exception of xxxxxx Homeownership Counseling Disclosure, Service Provider Disclosure, Change of Circumstance Disclosure | 5/19/2022: This loan failed the charges that cannot increase test. The initial LE reflects the points as $0, however the final CD reflects the comparable fee as $3338 for an increase of $3338. The initial LE reflects the mortgage broker fee as $26,400.00, however the final CD reflects the comparable fee as $26,704 for an increase of $304. The initial LE reflects the appaisal fee as $850, however the final CD reflects the comparable fee as $970 for an increase of $120. The initial LE reflects the Lender's Title Insurance Policy as $xxxxxx however the final CD reflects the comparable fee as $xxxxxx for an increase of $10. A change of circumstance for the increased fees was not included in the loan file. The Homeownership Counseling Organizations Disclosure is missing from the loan file. |  | Cleared Exception B | 1 |
| 769237 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 724 | 80.00% | xxxxxx | xxxxxx | Credit | Employment-Self Employment | According to the xxxxxx , A minimum two (2) year self-employment history is required to be documented on the loan application (1003). Borrowers must be self-employed for at least two (2) years. and a business must be in existence for a minimum of two (2) years. In this case the final 1003 indicates the borrower has been self employed for 15 years. However the 1003 documents that the current self employment start date is xxxxxx . A business license is in the file supporting the business was incorporated xxxxxx. The file is missing 2 year documentation of self employment. | 6/1/2022: Received updated 1003 showing borrower business start date is xxxxxx . Provide LOX to address why business license in the file states business incorporated in xxxxxx <br> 6/15/2022: Documentation received to clear condition. |  | Cleared Exception B | 1 |
| 769237 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 724 | 80.00% | xxxxxx | xxxxxx | Compliance | Other | This loan failed the charges that cannot increase test. The final CD reflects a Discount Points Fee of $3,338 which was not disclosed on the initial LE. The final CD reflects a Broker Fee of $26,704 which increased $304 from the initial LE. Finally, the final CD reflects an Appraisal fee of $970 which increased $120 from the initial LE. None of the changes included a change of circumstance which resulted in a total violation of $3762. | 06/02/2022: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 769469 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 704 | 75.00% | xxxxxx | xxxxxx | Credit | Income | Missing xxxxxx xxxxxx xxxxxx business bank statement for xxxxxx | 5/9/2022: Documentation received to clear condition. |  | Cleared Exception D A | 1 |
| 770495 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 630 | 65.00% | xxxxxx | xxxxxx | Credit | Funds to Close | The final Closing Disclosure reflects the borrower was required to bring $4502.55 to close. The file includes funds with xxxxxx xxxxxx of $7453.77, leaving the borrower short reserves (3 mos required) in the amount of $5490.75 and does not meet reserve requirements for the program. | 08/15/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 770495 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 630 | 65.00% | xxxxxx | xxxxxx | Credit | VOM | According to the underwriting xxxxxx, the mortgage history must be verified up to and including the month prior to the note date. In the case of this file, the file closed xxxxxx , and the payment history for xxxxxx is missing from the file. | 08/15/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 770495 | xxxxxx | xxxxxx | Refi - Cash Out | Owner Occupied | Single Family Detached | 630 | 65.00% | xxxxxx | xxxxxx | Credit | Credit | According to the underwriting xxxxxx, the borrower needs to address all inquiries to their credit within 120 days of the credit report date. In this case, the credit report reflects inquiries that are not addressed/explained. | 08/19/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 771077 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 790 | 76.24% | xxxxxx | xxxxxx | Credit | Eligibilty | According to the underwriting xxxxxx , the maximum DTI for 1st time home buyers is 45%. In this case, the DTI is 49.12%, an exception approval is in the loan file. | An exception dated xxxxxx allowing for the DTI is in the loan file.xxxxxx Solar agreement provided. Exception in file allowed DTI of 49.12%, however the DTI including the solar payment is 50.22%.<br> 06/21/2022: Client waived exception with compensating factors, allowing the DTI. | Reserves - Minimum reserve requirement is 6 months. The borrower has 11 months reserves, Credit Score - Minimum credit score requirement is 720. The borrowers credit score is 790, LTV - Max LTV with 6 months reserves is 85%./ Borrower LTV is 76.24% | Client waives with compensating factors B | 2 |
| 771077 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 790 | 76.24% | xxxxxx | xxxxxx | Credit | Employment-Self Employment | According to the guidelines, If the business operates more efficiently or typically has a materially different expense factor (higher or lower than standard expense factor), then an expense factor from a xxxxxx letter or P&L may be<br> used to determine qualifying income. Also, the borrower must be sole owner of the business when using a co-mingled bank account. In this case the file is missing the CPA letter verifying the expense ratio and business ownership for both B1 and B2.The underwriter used a 10% expense factor to qualify the borrower. | CPA letter was transferred from the prequal. |  | Cleared Exception B | 1 |
| 771077 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 790 | 76.24% | xxxxxx | xxxxxx | Credit | Underwriting Condition Not Met | According to the purchase contract, the borrower (buyer) will assume the solar lease agreement. In this case, the file is missing the solar lease agreement. | 06/06/2022: Solar agreement provided. Including the payment increases the DTI to 50.22%. Exception in file allowed DTI of 49.12%. <br> 6/8/2022: Verus granted exception for DTI. |  | Cleared Exception B | 1 |
| 772195 | xxxxxx | xxxxxx | Purchase | Owner Occupied | PUD | 695 | 70.00% | xxxxxx | xxxxxx | Compliance | Other | This loan failed the charges that cannot increase test. The Initial LE reflects the Discount Points Fee as $15050. The final CD reflects Discount Points of $30,100, an increase of $15050 from the fee on the initial LE. A change of circumstance for the increased fees was not included in the loan file. | 06/22/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| **24** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 767296 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 727 | 80.00% | xxxxxx |  |  |  |  |  |  | A |  |
| 768207 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 741 | 35.67% | xxxxxx |  |  |  |  |  |  | A |  |
| 768913 | xxxxxx | xxxxxx | Purchase | Owner Occupied | PUD | 786 | 89.87% | xxxxxx |  |  |  |  |  |  | A |  |
| 770133 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Single Family Detached | 729 | 80.00% | xxxxxx |  |  |  |  |  |  | A |  |
| 771760 | xxxxxx | xxxxxx | Purchase | Owner Occupied | Two-Unit Property | 670 | 85.00% | xxxxxx |  |  |  |  |  |  | A |  |
| **5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.17

**EXHIBIT 99.17**

**CRES Rating Agency Grades REPORT**

**Rating Agency Grades: 2/13/2023**

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| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| 754813 | xxxxxx | xxxxxx B |
| 755996 | xxxxxx | xxxxxx |
| 757120 | xxxxxx | xxxxxx B |
| 763009 | xxxxxx | xxxxxx B |
| 764055 | xxxxxx | xxxxxx B |
| 766280 | xxxxxx | xxxxxx B |
| 766645 | xxxxxx | xxxxxx B |
| 766716 | xxxxxx | xxxxxx D |
| 766799 | xxxxxx | xxxxxx D B |
| 766836 | xxxxxx | xxxxxx B |
| 767292 | xxxxxx | xxxxxx D B |
| 767296 | xxxxxx | xxxxxx |
| 767476 | xxxxxx | xxxxxx |
| 767485 | xxxxxx | xxxxxx D B |
| 767758 | xxxxxx | xxxxxx |
| 767844 | xxxxxx | xxxxxx D B |
| 767975 | xxxxxx | xxxxxx |
| 767977 | xxxxxx | xxxxxx |
| 768203 | xxxxxx | xxxxxx D B |
| 768207 | xxxxxx | xxxxxx |
| 768913 | xxxxxx | xxxxxx |
| 769231 | xxxxxx | xxxxxx |
| 769237 | xxxxxx | xxxxxx B |
| 769469 | xxxxxx | xxxxxx D |
| 770133 | xxxxxx | xxxxxx |
| 770495 | xxxxxx | xxxxxx |
| 771077 | xxxxxx | xxxxxx B |
| 771760 | xxxxxx | xxxxxx |
| 772195 | xxxxxx | xxxxxx A C |

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## Exhibit 99.18

**EXHIBIT 99.18**

**CRES rating agency Tape Compare Report**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TPR Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| 767977 | xxxxxx | 40.167 | 45.72 | DTI | 5.553 | Yes |
| 768207 | xxxxxx | 44.221 | 25.81 | DTI | -18.411 | Yes |
| 768913 | xxxxxx | 9.153 | 14.06 | DTI | 4.907 | Yes |
| 766836 | xxxxxx | 36.081 | 18.47 | DTI | -17.611 | Yes |
| 769237 | xxxxxx | 47 | 50.91 | DTI | 3.91 | Yes |
| 767476 | xxxxxx | 38 | 34.21 | DTI | -3.79 | Yes |
| 767292 | xxxxxx | 41.377 | 13.68 | DTI | -27.697 | Yes |
| 767844 | xxxxxx | 45 | 38.47 | DTI | -6.53 | Yes |
| 766645 | xxxxxx | 38.545 | 34.07 | DTI | -4.475 | Yes |
| 766716 | xxxxxx | 20.5 | 49.62 | DTI | 29.12 | Yes |
| 772195 | xxxxxx | 36 | 39.02 | DTI | 3.02 | Yes |
| 770133 | xxxxxx | 21.836 | 48.32 | DTI | 26.484 | Yes |
| 771760 | xxxxxx | 22.461 | 13.37 | DTI | -9.091 | Yes |
| 769237 | xxxxxx | 79.0893 | 80 | LTV | 0.9107 | Yes |
| 769237 | xxxxxx | 79.0893 | 80 | CLTV | 0.9107 | Yes |
| 769237 | xxxxxx | xxxxxx | xxxxxx | Original Balance | xxxxxx | Yes |
| 766645 | xxxxxx | xxxxxx | xxxxxx | Original Balance | xxxxxx | Yes |
| 767758 | xxxxxx | xxxxxx | xxxxxx | Appraised Value | xxxxxx | Yes |
| 767844 | xxxxxx | xxxxxx | xxxxxx | Appraised Value | xxxxxx | Yes |
| 767975 | xxxxxx | xxxxxx | xxxxxx | Appraised Value | xxxxxx | Yes |
| 769237 | xxxxxx | xxxxxx | xxxxxx | Appraised Value | xxxxxx | Yes |
| 768203 | xxxxxx | 360 | 480 | Loan Term | -120 | Yes |
| 764055 | xxxxxx | 758 | 759 | FICO | 1 | Yes |
| 769231 | xxxxxx | 701 | 711 | FICO | 10 | Yes |
| 766716 | xxxxxx | 5 yr Hybrid | ARM | Note Type | Yes | Yes |
| 766799 | xxxxxx | xxxxxx | xxxxxx | Property Zip | Yes | Yes |
| 763009 | xxxxxx | 7 yr Hybrid | Fixed | Note Type | Yes | Yes |

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## Exhibit 99.19

**EXHIBIT 99.19**

**CRES ATR QM DATA FIELDS**

![](tm238032d1_ex99-19img001.jpg)

**ATR QM Data Fields**

Loans in Report: 29

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| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| 754813 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 757120 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 764055 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 766280 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 766645 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 766716 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 766799 | xxxxxx | Not covered/exempt | No | No |
| 766836 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 767292 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 767296 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 767476 | xxxxxx | Not covered/exempt | No | No |
| 767485 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 767758 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 767844 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 767975 | xxxxxx | Not covered/exempt | No | No |
| 767977 | xxxxxx | Not covered/exempt | No | No |
| 768203 | xxxxxx | Not covered/exempt | No | No |
| 768207 | xxxxxx | Not covered/exempt | No | No |
| 768913 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 769231 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 769237 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 769469 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 770133 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 771077 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 771760 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 772195 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 763009 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| 755996 | xxxxxx | Not covered/exempt | No | No |
| 770495 | xxxxxx | Non-QM: Compliant with ATR | No | Yes |
| **29** |  |  |  |  |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**CRES Rating Agency Valuation Report**

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Seller Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| 754813 | xxxxxx | xxxxxx | xxxxxx | 80.00% | Appraised Value |  | xxxxxx | 6/16/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 6/25/2021 |  |  |  |  |  |  |  |  |
| 757120 | xxxxxx | xxxxxx | xxxxxx | 70.00% | Appraised Value | xxxxxx | xxxxxx | 8/3/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 8/11/2021 |  |  |  |  |  |  |  |  |
| 764055 | xxxxxx | xxxxxx | xxxxxx | 90.00% | Sale Price | xxxxxx | xxxxxx | 4/7/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 4/14/2022 |  |  |  |  |  | 1 | xxxxxx | 4/13/2022 |
| 766280 | xxxxxx | xxxxxx | xxxxxx | 70.00% | Appraised Value |  | xxxxxx | 3/2/2022 | xxxxxx | Full Appraisal | xxxxxx | 3.37% | 3/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | 3/30/2022 |
| 766645 | xxxxxx | xxxxxx | xxxxxx | 69.66% | Appraised Value |  | xxxxxx | 3/4/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | 3/10/2022 |
| 766716 | xxxxxx | xxxxxx | xxxxxx | 60.00% | Appraised Value |  | xxxxxx | 2/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 5/25/2022 |  |  |  |  |  | 2.6 | xxxxxx | 3/8/2022 |
| 766799 | xxxxxx | xxxxxx | xxxxxx | 80.00% | Appraised Value | xxxxxx | xxxxxx | 2/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | 2/24/2022 |
| 766836 | xxxxxx | xxxxxx | xxxxxx | 85.00% | Sale Price | xxxxxx | xxxxxx | 2/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | 3/3/2022 |
| 767292 | xxxxxx | xxxxxx | xxxxxx | 80.00% | Sale Price | xxxxxx | xxxxxx | 2/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | 2/17/2022 |
| 767296 | xxxxxx | xxxxxx | xxxxxx | 80.00% | Sale Price | xxxxxx | xxxxxx | 3/7/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxxxxx | 3/7/2022 |
| 767476 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Appraised Value | xxxxxx | xxxxxx | 3/4/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 3/17/2022 |  |  |  |  |  | 4.7 | xxxxxx | 3/8/2022 |
| 767485 | xxxxxx | xxxxxx | xxxxxx | 51.21% | Appraised Value |  | xxxxxx | 3/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ProTeck | 3/14/2022 |  |  |  |  |  | 2.6 | xxxxxx | 3/14/2022 |
| 767758 | xxxxxx | xxxxxx | xxxxxx | 80.00% | Sale Price | xxxxxx | xxxxxx | 1/7/2022 | xxxxxx | Full Appraisal | xxxxxx | -1.56% | 2/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1/10/2022 |
| 767844 | xxxxxx | xxxxxx | xxxxxx | 80.00% | Sale Price | xxxxxx | xxxxxx | 2/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | 3/17/2022 |
| 767975 | xxxxxx | xxxxxx | xxxxxx | 85.00% | Sale Price | xxxxxx | xxxxxx | 3/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 3/31/2022 |  |  |  |  |  |  | xxxxxx | 3/30/2022 |
| 767977 | xxxxxx | xxxxxx | xxxxxx | 70.00% | Appraised Value | xxxxxx | xxxxxx | 2/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 3/8/2022 |  |  |  |  |  |  | xxxxxx | 3/4/2022 |
| 768203 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Appraised Value |  | xxxxxx | 4/5/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 4/22/2022 |  |  |  |  |  |  |  |  |
| 768207 | xxxxxx | xxxxxx | xxxxxx | 35.67% | Appraised Value |  | xxxxxx | 2/2/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | 2/2/2022 |
| 768913 | xxxxxx | xxxxxx | xxxxxx | 89.87% | Sale Price | xxxxxx | xxxxxx | 3/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | 4/13/2022 |
| 769231 | xxxxxx | xxxxxx | xxxxxx | 57.27% | Sale Price | xxxxxx | xxxxxx | 3/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxxxxx | 3/29/2022 |
| 769237 | xxxxxx | xxxxxx | xxxxxx | 80.00% | Sale Price | xxxxxx | xxxxxx | 4/6/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | 4/11/2022 |
| 769469 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Appraised Value |  | xxxxxx | 3/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 4/4/2022 |  |  |  |  |  | 2.8 | xxxxxx | 3/28/2022 |
| 770133 | xxxxxx | xxxxxx | xxxxxx | 80.00% | Appraised Value | xxxxxx | xxxxxx | 4/29/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxxxxx | 5/24/2022 |
| 771077 | xxxxxx | xxxxxx | xxxxxx | 76.24% | Appraised Value | xxxxxx | xxxxxx | 4/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 4/19/2022 |  |  |  |  |  | 1.5 | xxxxxx | 4/14/2022 |
| 771760 | xxxxxx | xxxxxx | xxxxxx | 85.00% | Appraised Value | xxxxxx | xxxxxx | 3/31/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 4/12/2022 |  |  |  |  |  |  |  |  |
| 772195 | xxxxxx | xxxxxx | xxxxxx | 70.00% | Sale Price | xxxxxx | xxxxxx | 6/1/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 6/9/2022 |  |  |  |  |  | 2.6 | xxxxxx | 6/4/2022 |
| 755996 | xxxxxx | xxxxxx | xxxxxx | 37.12% | Appraised Value |  | xxxxxx | 6/10/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 7/13/2021 |  |  |  |  |  | 1.1 | xxxxxx | 7/12/2021 |
| 763009 | xxxxxx | xxxxxx | xxxxxx | 65.00% | Appraised Value | xxxxxx | xxxxxx | 3/14/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxxxxx | 3/15/2021 |
| 770495 | xxxxxx | xxxxxx | xxxxxx | 65.00% | Appraised Value |  | xxxxxx | 3/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ProTeck | 5/25/2022 |  |  |  |  |  |  |  |  |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**CONSOLIDATED ANALYTICS, INC. ("CONSOLIDATED ANALYTICS") DUE DILIGENCE EXECUTIVE SUMMARY**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on behalf of its client, VMC Asset Pooler, LLC. The review included a total of 7 newly originated residential mortgage loans, in connection with the securitization identified as Verus 2023-2 (the "Securitization"). The Review was conducted from April 2022 through June 2022 on mortgage loans originated between March 2022 and May 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

i. Income / Assets

· Validate borrower(s) monthly gross income

· Validate funds required to close, required reserves

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

ii. Employment Status

· Review file documentation for required level of employment

iii. Monthly Mortgage Payment

· Confirm program, qualifying rate, terms

iv. Simultaneous Loans

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

v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

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

vi. Debts / Obligations

· Validate monthly recurring liabilities

vii. DTI and/or Residual Income

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

· Documentation meets Appendix Q requirements for QM Loans

viii. Credit History

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

· Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation product was not required when the CU score provided was 2.5 or below. In the event the CU score was greater than 2.5, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In some instances, CDA's were ordered on loans that had an acceptable CU score based on guidance from the seller.

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

For loans reviewed in a post-close valuation review scenario (7 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had AVMs, and seven (7) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

Zero (0) loans had a Field Review or BPO, and zero (0) loans had an Exterior Only Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the seven (7) mortgage loans reviewed, zero (0) unique mortgage loans (0.0% by loan count) had a total of zero (0) tape discrepancies across zero (0) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;No Discrepancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of<br> Sample |
| Event Grade A | 7 | $7735000.00 | 100.00% |
| Event Grade B | 0 | $0.00 | 0% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 7 | $7735000.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 7 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 7 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 7 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 7 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 7 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 7 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception<br> Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Signed 4506t is missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Date the Rate Was Set Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TX Constitution A6 Required Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***2*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.22

**EXHIBIT 99.22**

 **CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| xxxxxx | 768680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Closed | 04/11/2022 | Cleared | xxxxxx | Compliance | High-Cost Mortgage Date the Rate Was Set Validation Test | This loan failed the date the rate was set validation test. (12 CFR §1026.32(1)(i)(A), (C))This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. | Change status of 'Higher-Priced Mortgage Loan Test' from Acknowledged by Client to Active.;<br> HPML Informational; Escrows and appraisal requirements met; Change status of 'Higher-Priced Mortgage Loan Test' from Active to Acknowledged by Client.;<br> HPML Loan with established escrows and appraisal provided. | 04/11/2022 | This compliance test 'High-Cost Mortgage Date the Rate Was Set Validation Test' is no longer tested | 04/11/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 30.61 is less than the Guideline DTI of 50.00. ; Original LTV is Below the Guideline Maximum - Calculated LTV of 19.49 is less than Guideline LTV of 80.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.49 is less than Guideline CLTV of 80.00. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 333.02 months or $6462689.13 are greater than the Guideline Minimum of 6.00 or $116438.42. ; Borrower 1 has significant job time - Borrower has 5.83 years on job ; Borrower has stable job time - Borrower has 5.83 years at job. A |
| xxxxxx | 768680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Closed | 04/05/2022 | Cleared | xxxxxx | Compliance | TX Constitution A6 Required Fees Test | This loan failed the required fees test. (Texas Constitution, Article 16, Section 50 (a)(6)(E) & (t)(4), as amended Jan. 2018)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed 2% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or licensed surveyor;A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. | Change status of 'Higher-Priced Mortgage Loan Test' from Acknowledged by Client to Active.;<br> HPML Informational; Escrows and appraisal requirements met; Change status of 'Higher-Priced Mortgage Loan Test' from Active to Acknowledged by Client.;<br> HPML Loan with established escrows and appraisal provided. | 04/11/2022 | This loan passed the required fees test. (Texas Constitution, Article 16, Section 50 (a)(6)(E) & (t)(4), as amended Jan. 2018)The loan requires the borrower(s) to pay, in addition to interest or any bona fide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed 2% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or licensed surveyor;A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. | 04/11/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 30.61 is less than the Guideline DTI of 50.00. ; Original LTV is Below the Guideline Maximum - Calculated LTV of 19.49 is less than Guideline LTV of 80.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.49 is less than Guideline CLTV of 80.00. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 333.02 months or $6462689.13 are greater than the Guideline Minimum of 6.00 or $116438.42. ; Borrower 1 has significant job time - Borrower has 5.83 years on job ; Borrower has stable job time - Borrower has 5.83 years at job. A |
| xxxxxx | 771483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Closed | 05/31/2022 | Cleared | xxxxxx | Credit | Signed 4506t is missing | Borrower 1 missing signed 4506t; Please provide 4506T | Change status of 'Signed 4506t is missing' from Active to Open Rebuttal.;<br> Client provided signed 4506T.; Please provide 4506T | 06/01/2022 | Signed 4506t provided. | 06/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80.00 is less than Guideline LTV of 90.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of 90.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 759 is Greater than the Guideline Minimum of 720. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 47.36 months or $100432.33 are greater than the Guideline Minimum of 12.00 or $25447.64. ; Borrower 1 has significant job time - Borrower has 14.50 years on job ; Borrower has stable job time - Borrower has 14.50 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years D A |
| xxxxxx | 771483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Closed | 05/31/2022 | Cleared | xxxxxx | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Final 1003 "How long in this line of work" is missing Years/Month. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.;<br> Client provided corrected 1003. ; Final 1003 "How long in this line of work" is missing Years/Month. | 05/31/2022 | Final Loan Application is Present | 06/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80.00 is less than Guideline LTV of 90.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of 90.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 759 is Greater than the Guideline Minimum of 720. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 47.36 months or $100432.33 are greater than the Guideline Minimum of 12.00 or $25447.64. ; Borrower 1 has significant job time - Borrower has 14.50 years on job ; Borrower has stable job time - Borrower has 14.50 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years D A |

---

## Exhibit 99.23

**EXHIBIT 99.23**

**CONSOLIDATED ANALYTICS DATA COMPARE REPORT**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Account Number** | **Seller Loan Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| xxxxxx | 768680 | No Discrepancy | No Discrepancy | No Discrepancy | FALSE |
| xxxxxx | 768833 | No Discrepancy | No Discrepancy | No Discrepancy | FALSE |
| xxxxxx | 768504 | No Discrepancy | No Discrepancy | No Discrepancy | FALSE |
| xxxxxx | 769143 | No Discrepancy | No Discrepancy | No Discrepancy | FALSE |
| xxxxxx | 769712 | No Discrepancy | No Discrepancy | No Discrepancy | FALSE |
| xxxxxx | 770946 | No Discrepancy | No Discrepancy | No Discrepancy | FALSE |
| xxxxxx | 771483 | No Discrepancy | No Discrepancy | No Discrepancy | FALSE |

---

## Exhibit 99.24

**EXHIBIT 99.24** 

**CONSOLIDATED ANALYTICS GRADING Summary Report**

---

| | | |
|:---|:---|:---|
| **Loan Number** | **Alternate Loan Number** | **Original Balance** |
| xxxxxx | 768504 | xxxxxx A |
| xxxxxx | 769143 | xxxxxx A |
| xxxxxx | 769712 | xxxxxx A |
| xxxxxx | 768833 | xxxxxx A |
| xxxxxx | 768680 | xxxxxx A C |
| xxxxxx | 770946 | xxxxxx A |
| xxxxxx | 771483 | xxxxxx D C A |

---

## Exhibit 99.25

**EXHIBIT 99.25**

**CONSOLIDATED ANALYTICS ATR QM REPORT**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alternate Loan Number** | **Loan Level ATR/QM Status** | **Application Date prior to 1/10/2014** | **Lender Application Date** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Residual Income Analysis in File** | **Residual Income** | **Loan Status** |
| xxxxxx | 768504 | Non-QM: Lender documented all ATR UW factors | No | xxxxxx | $20100.00 | xxxxxx | 5.708 | Self-Employed | Not Applicable | No | Not Applicable | Yes | $21115.42 | Acknowledged |
| xxxxxx | 769143 | Non-QM: Lender documented all ATR UW factors | No | xxxxxx | $20040.00 | xxxxxx | 7.001 | Employed | Not Applicable | No | Not Applicable | Yes | $33266.56 | Closed |
| xxxxxx | 769712 | Non-QM: Lender documented all ATR UW factors | No | xxxxxx | $15220.00 | xxxxxx | 6.596 | Self-Employed | Not Applicable | No | Not Applicable | Yes | $16003.71 | Closed |
| xxxxxx | 768833 | Non-QM: Lender documented all ATR UW factors | No | xxxxxx | $40820.00 | xxxxxx | 5.865 | Self-Employed | Self-employed | No | No | Yes | $13884.79 | Closed |
| xxxxxx | 768680 | Non-QM: Lender documented all ATR UW factors | No | xxxxxx | $26940.00 | xxxxxx | 6.018 | Self-Employed | Not Applicable | No | Not Applicable | Yes | $71330.73 | Acknowledged |
| xxxxxx | 770946 | Non-QM: Lender documented all ATR UW factors | No | xxxxxx | $19540.00 | xxxxxx | 6.758 | Self-Employed | Not Applicable | No | Not Applicable | Yes | $579123.30 | Closed |
| xxxxxx | 771483 | Non-QM: Lender documented all ATR UW factors | No | xxxxxx | $4820.00 | xxxxxx | 7.482 | Employed | Not Applicable | No | Not Applicable | Yes | $4628.46 | Acknowledged |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**CONSOLIDATED ANALYTICS VALUATIONS SUMMARY Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| xxxxxx | 768504 | xxxxxx | $0.00 | xxxxxx | 23.28% | 02/26/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | 02/26/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 769143 | xxxxxx | xxxxxx | xxxxxx | 68.3% | 03/08/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | 03/08/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 769712 | xxxxxx | xxxxxx | xxxxxx | 80% | 03/31/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | 04/06/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 768833 | xxxxxx | $0.00 | xxxxxx | 60% | 03/04/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | 03/09/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 768680 | xxxxxx | $0.00 | xxxxxx | 19.49% | 03/15/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | 03/18/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 770946 | xxxxxx | xxxxxx | xxxxxx | 80% | 04/28/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | 05/17/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 771483 | xxxxxx | xxxxxx | xxxxxx | 80% | 05/16/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | 05/18/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**clarifii llc ("Clarifii") executive summary**

![](tm238032d1_ex99-27img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2023-2**

**By Clarifii LLC on February 27, 2023**

Verus 2023-2 Due Diligence Narrative Report – PagE \| 1

![](tm238032d1_ex99-27img001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review of 355 loans originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2023-2 transaction. The loans referenced in this narrative report were reviewed between 07/2022 to 02/2023 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;220 | &nbsp;&nbsp;61.97% |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;83 | &nbsp;&nbsp;23.38% |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;48 | &nbsp;&nbsp;13.52% |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.00%** |

---

The Review consisted of a population of 355 Loans, with an aggregate principal balance of $194,598,238.00.

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

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

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

**LOAN** **SAMPLING**

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction loan population.

Verus 2023-2 Due Diligence Narrative Report – PagE \| 2

![](tm238032d1_ex99-27img001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, February 2, 2021 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, April 18, 2022 |

---

**DATA** **INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Interest Rate |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;B1 Citizen |
| &nbsp;&nbsp;B1 First Name |
| &nbsp;&nbsp;B1 Last Name |
| &nbsp;&nbsp;B1 Self-Employment Flag |
| &nbsp;&nbsp;B1 SSN |
| &nbsp;&nbsp;B2 Citizen |
| &nbsp;&nbsp;B2 First Name |
| &nbsp;&nbsp;B2 Last Name |
| &nbsp;&nbsp;B2 SSN |
| &nbsp;&nbsp;B2 Self-Employment Flag |
| &nbsp;&nbsp;Base CLTV |
| &nbsp;&nbsp;Base LTV |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Cash Out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing Settlement Date |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Escrow Flag |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Guarantor 1 FTHB |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |

---

Verus 2023-2 Due Diligence Narrative Report – PagE \| 3

![](tm238032d1_ex99-27img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount/Draw Amount |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Mortgage Origination Channel |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Underwriting Guideline Product Name |
| &nbsp;&nbsp;Valuation Date |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

Verus 2023-2 Due Diligence Narrative Report – PagE \| 4

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**CREDIT** **UNDERWRITING**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan Attributes** 

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit Application** 

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit History** 

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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&nbsp;&nbsp;&nbsp;&nbsp;· **Employment and Income** 

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;· **Fraud Review** 

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;· **Asset Review** 

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

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&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

**DOCUMENT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

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

**Anti-** **Predatory Lending Requirements**, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or

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may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO** **REPAY (ATR)**

Clarifii reviewed the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the

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creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focused on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

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

Clarifii reviewed loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a loan.

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

All loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION** **REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)**<br> Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)**<br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.<br>

**INDEPENDENT** **THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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supported value, unless guidelines allowed for the use of the lower Desk Review value for purpose of LTV/CLTV/HCLTV.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files –<br> No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to<br> OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10%<br> of OA or Acceptable UCDP<br> Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;275 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |

---

**DUE** **DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

Verus 2023-2 Due Diligence Narrative Report – PagE \| 14

![](tm238032d1_ex99-27img001.jpg)

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

Verus 2023-2 Due Diligence Narrative Report – PagE \| 15

![](tm238032d1_ex99-27img001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &nbsp;&nbsp;12.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;309 | &nbsp;&nbsp;87.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &nbsp;&nbsp;18.03% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;291 | &nbsp;&nbsp;81.97% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;315 | &nbsp;&nbsp;88.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;40 | &nbsp;&nbsp;11.27% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.00%** |

---

Verus 2023-2 Due Diligence Narrative Report – PagE \| 16

![](tm238032d1_ex99-27img001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;247 | &nbsp;&nbsp;69.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;106 | &nbsp;&nbsp;29.86% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL** **LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;311 | &nbsp;&nbsp;87.61% | &nbsp;&nbsp;$163228083.00 | &nbsp;&nbsp;87.61% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;44 | &nbsp;&nbsp;12.39% | &nbsp;&nbsp;$31370155.00 | &nbsp;&nbsp;12.39% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$194598238.00** | &nbsp;&nbsp;**100.00%** |

---

**Occupancy**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;112 | &nbsp;&nbsp;31.55% | &nbsp;&nbsp;$40375182.00 | &nbsp;&nbsp;31.55% |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;229 | &nbsp;&nbsp;64.51% | &nbsp;&nbsp;144854866.00 | &nbsp;&nbsp;64.51% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;14 | &nbsp;&nbsp;3.94% | &nbsp;&nbsp;$9368190.00 | &nbsp;&nbsp;3.94% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$194598238.00** | &nbsp;&nbsp;**100.0%** |

---

**Loan Purpose**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;95 | &nbsp;&nbsp;26.76% | &nbsp;&nbsp;$44982405.00 | &nbsp;&nbsp;26.76% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;260 | &nbsp;&nbsp;73.24% | &nbsp;&nbsp;$149615833.00 | &nbsp;&nbsp;73.24% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$194598238.00** | &nbsp;&nbsp;**100.0%** |

---

**Lien Position**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;355 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$194598238.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$194598238.00** | &nbsp;&nbsp;**100.0%** |

---

**Original Term**

Verus 2023-2 Due Diligence Narrative Report – PagE \| 17

![](tm238032d1_ex99-27img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.25% | &nbsp;&nbsp;$4996400.00 | &nbsp;&nbsp;2.25% |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;346 | &nbsp;&nbsp;97.47% | &nbsp;&nbsp;$189388088.00 | &nbsp;&nbsp;97.47% |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;$213750.00 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**355** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$194598238.00** | &nbsp;&nbsp;**100.0%** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;6 | &nbsp;&nbsp;35 | &nbsp;&nbsp;82.86% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;309 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;322 | &nbsp;&nbsp;99.38% |
| &nbsp;&nbsp;B1 Self Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;B1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;193 | &nbsp;&nbsp;99.48% |
| &nbsp;&nbsp;B2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B2 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Base CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Base LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Out Include Debt Paid at Close | &nbsp;&nbsp;9 | &nbsp;&nbsp;20 | &nbsp;&nbsp;55.00% |
| &nbsp;&nbsp;Closing Settlement Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;20 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;44 | &nbsp;&nbsp;301 | &nbsp;&nbsp;85.38% |
| &nbsp;&nbsp;Guarantor 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

Verus 2023-2 Due Diligence Narrative Report – PagE \| 18

![](tm238032d1_ex99-27img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;238 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;133 | &nbsp;&nbsp;97.74% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;334 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;352 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount/Draw Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;354 | &nbsp;&nbsp;99.44% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;343 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;20 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;14 | &nbsp;&nbsp;44 | &nbsp;&nbsp;68.18% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;233 | &nbsp;&nbsp;93.13% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;18 | &nbsp;&nbsp;20 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;31 | &nbsp;&nbsp;351 | &nbsp;&nbsp;91.17% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;346 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;5 | &nbsp;&nbsp;35 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;271 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;70 | &nbsp;&nbsp;91.43% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;5 | &nbsp;&nbsp;354 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;3 | &nbsp;&nbsp;334 | &nbsp;&nbsp;99.10% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;339 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;79 | &nbsp;&nbsp;273 | &nbsp;&nbsp;71.06% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;334 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;17 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;73 | &nbsp;&nbsp;278 | &nbsp;&nbsp;73.74% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;50 | &nbsp;&nbsp;312 | &nbsp;&nbsp;83.97% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;25 | &nbsp;&nbsp;343 | &nbsp;&nbsp;92.71% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;53 | &nbsp;&nbsp;312 | &nbsp;&nbsp;83.01% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;80 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;37 | &nbsp;&nbsp;246 | &nbsp;&nbsp;84.96% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;256 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;303 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;343 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;Valuation Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;20 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00 |

---

Verus 2023-2 Due Diligence Narrative Report – PagE \| 19

![](tm238032d1_ex99-27img001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Upload

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Waived Findings Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Rating Agency ATR/QM Report

**Disclaimer**

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

 

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

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2023 Clarifii LLC. All rights reserved.

Verus 2023-2 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.28

**EXHIBIT 99.28**

**clarifii rating agency grades detail report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 771855 | xxxxxx C B A | Closed | xxxxxx | 2022-08-09 12:34 | 2022-09-08 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Lender provided mortgage history and bank statements reflecting payment made and next due for xxxxxx. - Due Diligence Vendor-xxxxxx <br> Counter--Seller response states to see VOM, however no documentation provided, Finding remains. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence xxxxxx check cleared bank for xxxxxx mortgage to complete history. - Due Diligence Vendor-xxxxxx |  | Resolved--Lender provided mortgage history and bank statements reflecting payment made and next due for xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 29.31% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 42.93% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 771855 | xxxxxx C B A | Closed | xxxxxx | 2022-08-09 12:59 | 2022-09-08 12:20 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor xxxxxx<br>Open-ATR: The Lender did not document all ATR Factors - Missing evidence 07/08/2022 check cleared bank for xxxxxx mortgage to complete history. - Due Diligence Vendor- xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 29.31% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 42.93% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 771855 | xxxxxx C B A | Closed | xxxxxx | 2022-08-09 12:59 | 2022-09-08 12:20 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor- xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor- xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 29.31% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 42.93% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 771855 | xxxxxx C B A | Closed | xxxxxx | 2022-08-09 16:23 | 2022-08-22 13:22 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor- xxxxxx<br> Open-Unsatisfactory Chain of Title provided - Missing 24 months chain of title - Due Diligence Vendor- xxxxxx |  | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 29.31% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 42.93% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 771855 | xxxxxx C B A | Closed | xxxxxx | 2022-08-09 12:34 | 2022-08-09 17:47 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor- xxxxxx<br> Open-Deemed non-material - Due Diligence Vendor- xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor- xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 29.31% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 42.93% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 772787 | xxxxxx C B A | Closed | xxxxxx | 2022-08-02 09:30 | 2022-08-03 14:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Investor approval provided for rural property. - Due Diligence Vendor- xxxxxx<br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Subject property location is Rural which is not allowed per guidelines. Subject is xxxxxx which meets guideline requirements. If accepted by investor, would be deemed non-material. - Due Diligence Vendor- xxxxxx |  | Waived-Investor approval provided for rural property. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - Max allowable LTV is 90%, subject loan is at 70%<br>Months Reserves exceed minimum required - 18.67 months and 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum allowable FICO is 660, borrower mid FICO is 758<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrowers DTI is 15.20% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 772794 | xxxxxx D A C | Closed | xxxxxx | 2022-08-11 12:26 | 2022-08-12 14:04 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved--1004 D provided. - Due Diligence Vendor- xxxxxx<br> Ready for Review-Document Uploaded. - Seller- xxxxxx<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor- xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--1004 D provided. - Due Diligence Vendor-xxxxxx | Ontime mortgage history exceeds guideline requirement - - On time mortgage history of 20 months exceeds guideline requirement 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 764 is at least 20 points above minimum for program 680. |  | xxxxxx_442 COMPLETION REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 772794 | xxxxxx D A C | Closed | xxxxxx | 2022-08-11 13:17 | 2023-02-01 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor- xxxxxx<br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor- xxxxxx<br> Ready for Review-Document Uploaded. - Seller- xxxxxx<br> Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor- xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-xxxxxx | Ontime mortgage history exceeds guideline requirement - - On time mortgage history of 20 months exceeds guideline requirement 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 764 is at least 20 points above minimum for program 680. |  | xxxxxx .pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 772794 | xxxxxx D A C | Closed | xxxxxx | 2022-08-11 12:12 | 2022-08-15 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved--Agree with seller as these are exempt from title coverage. - Due Diligence Vendor- xxxxxx<br> Ready for Review-Per title company, these items are exceptions from coverage. <br> The shared driveway is maintained by the HOA; item #N only applies to the owner's policy. <br> - Seller- <br> xxxxxx<br> Counter-Title commitment provided which reflects borrowers on title. Title reference is made regarding the shared driveway and the fence line that must be omitted/cleared. - Due Diligence Vendor- xxxxxx<br> Ready for Review-Document Uploaded. - Seller- xxxxxx<br> Counter--Warranty deed provided to evidence transfer of warranty to borrower only which is acceptable, however finding remains due to missing title with proposed amount and insured. - Due Diligence Vendor- xxxxxx<br> Open-Title Document is missing - Provide complete title report with proposed amount and insured. Per Deed of Trust Borrower married. However marital status affidavit indicate Borrower single person, which conflicts with signed 1003's that reflect married. If borrower is married Deed of Trust should be signed by spouse or transfer of deed to our borrower only should be provided. - Due Diligence Vendor- xxxxxx | Ready for Review-Per title company, these items are exceptions from coverage. <br> The shared driveway is maintained by the HOA; item #N only applies to the owner's policy. <br> - Seller-xxxxxx<br> Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Agree with seller as these are exempt from title coverage. - Due Diligence Vendor-xxxxxx | Ontime mortgage history exceeds guideline requirement - - On time mortgage history of 20 months exceeds guideline requirement 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 764 is at least 20 points above minimum for program 680. |  | xxxxxx_WARRANTY DEED - transfer of deed to our borrower only.pdf<br>xxxxxx_TITLE REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 772794 | xxxxxx D A C | Closed | xxxxxx | 2022-08-11 15:40 | 2022-08-12 19:29 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor- xxxxxx<br> Resolved--Account number on print-out statements matches account number or statements which contain borrower name and address. - Due Diligence Vendor-xxxxxx<br> Open-Asset Qualification Does Not Meet Guideline Requirements - Statement from xxxxxx account xxxxxx. confirm earnest Money checks cleared account, However, Bank account statement does not show Account holder name or address on statement dated xxxxxx; xxxxxx, xxxxxx; xxxxxx; xxxxxx; xxxxxx ; xxxxxx and xxxxxx.<br> - Statement dated xxxxxx reflect joint account, Provide explanation letter from other account holders verifying the borrower has access to the account. - Due Diligence Vendor- xxxxxx |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br> Resolved--Account number on print-out statements matches account number or statements which contain borrower name and address. - Due Diligence Vendor-xxxxxx | Ontime mortgage history exceeds guideline requirement - - On time mortgage history of 20 months exceeds guideline requirement 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 764 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 772794 | xxxxxx D A C | Closed | xxxxxx | 2022-08-11 16:10 | 2022-08-12 19:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Sufficient documentation provide to support numerous deposits made to escrow. - Due Diligence Vendor- xxxxxx<br> Ready for Review-Document Uploaded. The source for the EMDs were already provided in the file. Pls. refer to page xxxxxx for the total EMD source for $335,000 and - page 1022 - 1031 for the other total EMD source for $121,872.99. - Seller- xxxxxx<br> Waived--Investor waiver applied to non-material finding- - Due Diligence Vendor- xxxxxx<br> Counter-Deemed non-material as bank statement does show funds clearing account for exact amount, however no evidence of receipt provided, however just shy of required reserves without fund accounted for and strong comp factors. - Due Diligence Vendor- xxxxxx<br> Counter--Lender provided bank statement printout which references $38,000 and $16,116 checks clearing account but only references check numbers. Need receipt from settlement company or cancelled checks to show funds were towards additional deposit. - Due Diligence Vendor- xxxxxx<br> Open-Audited Reserves of 8.7 month(s) are less than Guideline Required Reserves of 9 month(s) - Verified EM $402,707. CD reflect Cash deposit $456,872.99. Provide documentation to support additional EM check cleared account. Per lender explanation letter $38,000 xxxxxx before closing. No proof in file of check clearing account. - Due Diligence Vendor- xxxxxx | Ready for Review-Document Uploaded. The source for the EMDs were already provided in the file. Pls. refer to page xxxxxx - xxxxxx for the total EMD source for $335,000 and - page xxxxxx - xxxxxxfor the other total EMD source for $121,872.99. - Seller-xxxxxx | Resolved--Sufficient documentation provide to support numerous deposits made to escrow. - Due Diligence Vendor-xxxxxx<br> Waived--Investor waiver applied to non-material finding- - Due Diligence Vendor-xxxxxx | Ontime mortgage history exceeds guideline requirement - - On time mortgage history of 20 months exceeds guideline requirement 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 764 is at least 20 points above minimum for program 680. |  | xxxxxx #3705- SHOWING $38K AND $16,166 CLEARED.DEPOSITED ON xxxxxx .pdf<br> xxxxxx_EMD 335,000.pdf<br> xxxxxx_EMD 121,872.99.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 772794 | xxxxxx D A C | Closed | xxxxxx | 2022-08-11 13:42 | 2022-08-12 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Large deposit sourced by note and payee ID that matches transfer party name for $98,000 towards payoff of loan. - Due Diligence Vendor- xxxxxx<br> Ready for Review-Document Uploaded. It was already provided when we shipped the file (it can be found on page 627 – 629) and resending it here for your convenience. - Seller-xxxxxx<br> Open--Provide explanation and documentation supporting large deposit $98,000 on xxxxxx to xxxxxx account xxxxxx. - Due Diligence Vendor- xxxxxx | Ready for Review-Document Uploaded. It was already provided when we shipped the file (it can be found on page xxxxxx– xxxxxx) and resending it here for your convenience. - Seller-xxxxxx | Resolved--Large deposit sourced by note and payee ID that matches transfer party name for $xxxxxx towards payoff of loan. - Due Diligence Vendor-xxxxxx | Ontime mortgage history exceeds guideline requirement - - On time mortgage history of 20 months exceeds guideline requirement 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 764 is at least 20 points above minimum for program 680. |  | xxxxxx SOURCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 773113 | xxxxxx D A | Closed | xxxxxx | 2022-07-19 15:05 | 2022-07-25 18:42 | Resolved | 1 - Information D A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Lender provided Deed of Trust with Exhibit A legal description. - Due Diligence Vendor- xxxxxx<br> Open-The Deed of Trust is Incomplete - Missing Exhibit A legal description attachment. - Due Diligence Vendor- xxxxxx |  | Resolved-Lender provided Deed of Trust with Exhibit A legal description. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 69.67% LTV.<br>Months Reserves exceed minimum required - 38.4 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 773113 | xxxxxx D A | Closed | xxxxxx | 2022-07-19 16:54 | 2022-07-22 15:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap credit report within 10 days of close | Resolved-Lender provided UDN report as of xxxxxx - Due Diligence Vendor- xxxxxx<br> Counter-Lender provided undisclosed debt search dated xxxxxx. Gap report within 10 days of closing not provided. Finding remains. - Due Diligence Vendor-xxxxxx<br> Open-Gap Credit Report Within 10 Days of Closing is Missing - Due Diligence Vendor- xxxxxx |  | Resolved-Lender provided UDN report as of xxxxxx - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 69.67% LTV.<br>Months Reserves exceed minimum required - 38.4 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774023 | xxxxxx C B A | Closed | xxxxxx | 2022-10-14 11:35 | 2022-10-21 08:24 | Resolved | 1 - Information C A | Credit | Missing Doc | Appraisal is Expired | Open-Lender provided 1004d. - Due Diligence Vendor- xxxxxx<br> Open-Primary Value Appraisal is Expired - Missing recertification of value since appraisal dated xxxxxx is more than 120 days old on the xxxxxx note date. Although 1004D in file, it only provides the certification of completion. - Due Diligence Vendor- xxxxxx |  |  | Qualifying DTI below maximum allowed - 15.96% DTI is less than 45% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 767 FICO exceeds 680 minimum required.<br>Months Reserves exceed minimum required - 20.35 months verified reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774023 | xxxxxx C B A | Closed | xxxxxx | 2022-10-14 11:45 | 2022-10-17 13:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived--Investor waiver applied- Due Diligence Vendor-xxxxxx<br> Open--Project does not meet guideline requirement of 50% of total units conveyed to unit owners.<br> - Unable to determine if developer in control with transfer date of xxxxxx. - Due Diligence Vendor- xxxxxx |  | Waived--Investor waiver applied; 20+ months Reserves, 767 FICO and 15.96% DTI. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 15.96% DTI is less than 45% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 767 FICO exceeds 680 minimum required.<br>Months Reserves exceed minimum required - 20.35 months verified reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774023 | xxxxxx C B A | Closed | xxxxxx | 2022-10-14 14:05 | 2022-10-14 14:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Guidelines required 12 months. Only 7 were provided as borrower was rent free. - Exception is in file approved by Investor - Due Diligence Vendor- xxxxxx |  | Waived-Housing History Does Not Meet Guideline Requirements Guidelines required 12 months. Only 7 were provided as borrower was rent free. - Exception is in file approved by Investor <br> - Credit Score 30+ points > minimum required<br> - Residual income more than 2.5x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 15.96% DTI is less than 45% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 767 FICO exceeds 680 minimum required.<br>Months Reserves exceed minimum required - 20.35 months verified reserves exceed 6 months required. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774023 | xxxxxx C B A | Closed | xxxxxx | 2022-10-14 11:35 | 2022-10-14 14:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor- xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 15.96% DTI is less than 45% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 767 FICO exceeds 680 minimum required.<br>Months Reserves exceed minimum required - 20.35 months verified reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774033 | xxxxxx B A | Closed | xxxxxx | 2022-09-02 09:08 | 2022-09-02 13:12 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived- considered non material - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Gap/Credit Refresh report within 10 days of closing not provided. - Due Diligence Vendor- xxxxxx |  | Waived-DTI is 3%, considered non material - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 29 months reserves.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 47% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774033 | xxxxxx B A | Closed | xxxxxx | 2022-09-02 09:56 | 2022-09-02 13:06 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Letter of Explanation (Income) | Waived--Business Bank Statement NSF/Overdraft totals in last 12 months exceed max allowed by guidelines; LOE from Borrower, exception request and exception approval not provided. . Investor waiver applied to non-material finding - Due Diligence Vendor- xxxxxx |  | Waived--Business Bank Statement NSF/Overdraft totals in last 12 months exceed max allowed by guidelines; LOE from Borrower, exception request and exception approval not provided. Borrower has a 3% DTI, 29 additional months in reserves and 0 x 30 last 24 months on Mtgs. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 29 months reserves.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 47% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774033 | xxxxxx B A | Closed | xxxxxx | 2022-08-31 17:33 | 2022-08-31 17:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor- xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 29 months reserves.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 47% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774074 | xxxxxx D B A | Closed | xxxxxx | 2022-08-24 10:48 | 2022-08-24 10:53 | Waived | 2 - Non-Material A B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived--NEW- GAP/Debt Monitoring report provided for B1 and B2 is dated xxxxxx however, end of report dates are xxxxxx and xxxxxx. --Investor waiver applied to non-material finding - Due Diligence Vendor- xxxxxx<br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor- xxxxxx |  | Waived--NEW- GAP/Debt Monitoring report provided for B1 and B2 is dated xxxxxx however, end of report dates are xxxxxx and xxxxxx --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - _ DTI 14.96% is 35.04% lower than maximum 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 751 is 71 points higher than required 680<br>Months Reserves exceed minimum required - - Verified 112.55 months reserves are 106.55 months greater than required 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774074 | xxxxxx D B A | Closed | xxxxxx | 2022-08-18 15:36 | 2022-08-24 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Received Undisclosed Debt Notification Report - Due Diligence Vendor- xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Borrower 1 & 2 Gap Credit Report is Missing - Due Diligence Vendor- xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Received Undisclosed Debt Notification Report - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - _ DTI 14.96% is 35.04% lower than maximum 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 751 is 71 points higher than required 680<br>Months Reserves exceed minimum required - - Verified 112.55 months reserves are 106.55 months greater than required 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774176 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-08 15:44 | 2022-08-29 19:00 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived--Assets held in a foreign account must be transferred to a xxxxxx account in the borrower's name at least 10 days prior to closing. Title/Escrow company has verified assets received 6 days prior to closing. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Counter- - Due Diligence Vendor- xxxxxx<br> Open-Asset Qualification Does Not Meet Guideline Requirements All Income, Bank Statements and Credit letters need to be converted from xxxxxx to xxxxxx Currency.- - Due Diligence Vendor-xxxxxx |  | Waived--Assets held in a foreign account must be transferred to a US domiciled account in the borrower's name at least 10 days prior to closing. Title/Escrow company has verified assets received 6 days prior to closing. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.46 months reserves is 4.46 months greater than minimum required 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774176 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-08 15:27 | 2022-08-29 18:51 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Upon further review, no additional documentation is needed or required - Due Diligence Vendor-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines - All Income documents, Bank Statements and Credit letters need to be converted from xxxxxx to xxxxxx Currency. - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review, no additional documentation is needed or required - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.46 months reserves is 4.46 months greater than minimum required 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774176 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-08 15:27 | 2022-08-24 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor xxxxxx<br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor- xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.46 months reserves is 4.46 months greater than minimum required 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774176 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-08 14:29 | 2022-08-18 11:39 | Resolved | 1 - Information B A | Credit | Title | Property Title Issue | Resolved--Received updated title commitment showing borrower as 'Married' - Due Diligence Vendor-xxxxxx<br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx<br> Open-Property Title Issue - Title vesting is as a single person. Per 1003 borrower is married and xxxxxx signed on Deed of Trust. - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated title commitment showing borrower as 'Married' - Due Diligence Vendor-xxxxxx<br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.46 months reserves is 4.46 months greater than minimum required 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774176 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-08 16:20 | 2022-08-17 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Received completed, signed and dated ACH authorization form - Due Diligence Vendor-xxxxxx <br>Open--Missing Automatic Payment Authorization (ACH) Form, this is required for all foreign national borrowers. Funds must be from a U.S. Bank. - Due Diligence Vendor-xxxxxx |  | Resolved--Received completed, signed and dated ACH authorization form - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.46 months reserves is 4.46 months greater than minimum required 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774176 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-08 11:58 | 2022-08-25 09:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-xxxxxx<br> Resolved-Client provided PCCD, LOE and check in the amount of $189.00. - Due Diligence Vendor- xxxxxx<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $189.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Attorney Title Review Fee increased from $00.00 on the initial LE: xxxxxx to $189.00 on the final CD: xxxxxx. Please provide a valid change of circumstance for the $189.00 increase or evidence of refund in the amount $189.00 no later than 60 calendar days after consummation date of no later than 60 calendar days after consummation date of no later than 60 calendar days after consummation date of xxxxxx.<br> Statute of Limitations - Three years<br> - Due Diligence Vendor- xxxxxx |  | Resolved-Client provided PCCD, LOE and check in the amount of $189.00. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.46 months reserves is 4.46 months greater than minimum required 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774327 | xxxxxx D B C A | Closed | xxxxxx | 2022-07-21 18:24 | 2022-08-18 17:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- - Due Diligence Vendor- xxxxxx<br> Counter--Received Condo Master Insurance for this finding which is unrelated to housing history requirement(s). Finding remains - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Open-- PER guide verification of housing needed for 24 consecutive months, borrower has rented per 1003 three different places, VOR in file for 2 of 3 covers only 14 months of consecutive housing, 24 months required. If VOR not completed by property management firm, cancelled checks are required - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: 35.33 months reserves, 13.12% DTI - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 13.12% DTI with 50% max<br>Qualifying FICO score is at least 20 points above minimum for program - <br>Months Reserves exceed minimum required - |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774327 | xxxxxx D B C A | Closed | xxxxxx | 2022-07-21 18:24 | 2022-08-03 16:30 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Gap credit report within 10 days of close | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Gap Credit Report Within 10 Days of Closing is Missing - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 13.12% DTI with 50% max<br>Qualifying FICO score is at least 20 points above minimum for program - <br>Months Reserves exceed minimum required - |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774327 | xxxxxx D B C A | Closed | xxxxxx | 2022-07-20 20:03 | 2022-08-18 12:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Client provided Service Provider List. - Due Diligence Vendor-xxxxxx<br> Open-Statute of Limitations - Three Years - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided Service Provider List. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 13.12% DTI with 50% max<br>Qualifying FICO score is at least 20 points above minimum for program - <br>Months Reserves exceed minimum required - |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774327 | xxxxxx D B C A | Closed | xxxxxx | 2022-07-20 19:55 | 2022-08-18 12:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Client provided Service Provider List. - Due Diligence Vendor-xxxxxx<br> Open-Missing Service Provider list, all title fees tested at 10%. Fee total initial LE $1,915 with 10% tolerance fees may increase to $2,106.50. Final fee total $2797 exceeds tolerance by $690.50. Please provide Service Provider list, evidence of Change of Circumstance or refund in the amount of $690.50 no later than 60 calendar days after consummation date of xxxxxx. - Due Diligence Vendor-xxxxxx<br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,797.00) exceed the comparable charges ($1,915.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided Service Provider List. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 13.12% DTI with 50% max<br>Qualifying FICO score is at least 20 points above minimum for program - <br>Months Reserves exceed minimum required - |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774327 | xxxxxx D B C A | Closed | xxxxxx | 2022-07-20 19:26 | 2022-08-02 19:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-Investor waiver applied to non-material finding<br>- Due Diligence Vendor- xxxxxx<br> Open-The Home Loan Toolkit disclosure is missing. Statute of Limitations - Three Years - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 13.12% DTI with 50% max<br>Qualifying FICO score is at least 20 points above minimum for program - <br>Months Reserves exceed minimum required - |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774333 | xxxxxx D B A | Closed | xxxxxx | 2022-07-21 15:41 | 2022-08-02 20:13 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Gap credit report within 10 days of close | Waived-Investor waiver applied. - Due Diligence Vendor- xxxxxx<br> Open-Gap Credit Report Within 10 Days of Closing is Missing - Due Diligence Vendor- xxxxxx |  | Waived-Investor waiver applied. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680, borrower mid FICO is 729<br>Months Reserves exceed minimum required - Minimum required reserves is 3 months, borrower has 24.61 months post close<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower DTI is 25.62% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774333 | xxxxxx D B A | Closed | xxxxxx | 2022-08-01 11:26 | 2022-08-02 20:13 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Investor waiver applied. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680, borrower mid FICO is 729<br>Months Reserves exceed minimum required - Minimum required reserves is 3 months, borrower has 24.61 months post close<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower DTI is 25.62% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774333 | xxxxxx D B A | Closed | xxxxxx | 2022-07-21 09:38 | 2022-08-25 17:03 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Waived--Investor Waiver: Request to waive as initial 1003 was updated.<br> - Deemed non-material as initial 1003 was updated. - Due Diligence Vendor- xxxxxx<br> Waived--Investor Waiver: Request to waive as initial 1003 was updated. - Due Diligence Vendor- xxxxxx<br> Counter--Received corrected initial 1003, file is missing final 1003 including updated citizenship. Finding remains - Due Diligence Vendor- xxxxxx<br> Open-The Final 1003 is Missing - update citizenship on Final 1003 - Due Diligence Vendor- xxxxxx |  | Waived--Investor Waiver: Request to waive as initial 1003 was updated.<br> - Deemed non-material as initial 1003 was updated. - Due Diligence Vendor-xxxxxx<br> Waived--Investor Waiver: Request to waive as initial 1003 was updated. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680, borrower mid FICO is 729<br>Months Reserves exceed minimum required - Minimum required reserves is 3 months, borrower has 24.61 months post close<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower DTI is 25.62% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774337 | xxxxxx C B A | Closed | xxxxxx | 2022-07-22 08:03 | 2022-09-08 11:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx<br> Counter--Lender response: please provide final title. No final title provided to address finding. Finding remains. - Due Diligence Vendor- xxxxxx<br> Counter--Lender response: Please see attached. Title, preliminary reports do not have loan amounts, final policy only. No documentation provided to address. Finding remains.<br> - Due Diligence Vendor-xxxxxx<br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx - Title Commitment is missing Title Coverage amount - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - Max allowable LTV is 85%, subject loan is at 60% LTV<br>Months Reserves exceed minimum required - Borrower has 72.6 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774337 | xxxxxx C B A | Closed | xxxxxx | 2022-07-22 13:58 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx <br>Open-Income and Employment Do Not Meet Guidelines Borrower has multiple NSF's that exceed guides. Lox in file regarding divorce and Covid. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - Max allowable LTV is 85%, subject loan is at 60% LTV<br>Months Reserves exceed minimum required - Borrower has 72.6 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774343 | xxxxxx D B A | Closed | xxxxxx | 2022-07-27 17:49 | 2022-12-20 16:59 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Resolved-Tax transcript received - Due Diligence Vendor- xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - Missing tax transcript. - Due Diligence Vendor- xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Resolved-Tax transcript received - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 51 exceed minimum required 5.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774343 | xxxxxx D B A | Closed | xxxxxx | 2022-07-27 17:00 | 2022-08-11 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Credit report provided shows xxxxxx mtg with 3 mos. reporting, closed in xxxxxx. The xxxxxx for the 2 months opened in xxxxxx and later transferred to xxxxxx for 7 months reporting - Due Diligence Vendor- xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - CR reflect mortgage history for xxxxxx for 7 months and xxxxxx 2 months. Provide documentation to support guideline requirement 0X30 in past 12 months. - Due Diligence Vendor-xxxxxx |  | Resolved-Credit report provided shows xxxxxx mtg with 3 mos. reporting, closed in xxxxxx. The xxxxxx for the 2 months opened in xxxxxx and later transferred to xxxxxx for 7 months reporting - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 51 exceed minimum required 5.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774343 | xxxxxx D B A | Closed | xxxxxx | 2022-07-27 17:00 | 2022-08-11 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Open-Lender provided Fraud report - Due Diligence Vendor-xxxxxx<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-xxxxxx |  |  | Months Reserves exceed minimum required - Months Reserves 51 exceed minimum required 5.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774343 | xxxxxx D B A | Closed | xxxxxx | 2022-07-27 17:37 | 2022-08-11 12:01 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Lender provided the tax transcripts - Due Diligence Vendor-xxxxxx<br> Waived--Investor waiver applied to non-material finding - Due Diligence Vendor- xxxxxx<br> Open-Deemed non-material as file contains 2+ years income and a written VOE from employer that supports income used to qualify. - Due Diligence Vendor- xxxxxx<br>Open-Borrower 1 IRS Transcripts Missing - Per guideline the tax transcripts must be provided by Lender and must be obtained through 4506-C validation. Provide tax transcript to meet guideline requirement. - Due Diligence Vendor-xxxxxx |  | Resolved-Lender provided the tax transcripts - Due Diligence Vendor-xxxxxx<br> Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 51 exceed minimum required 5.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774343 | xxxxxx D B A | Closed | xxxxxx | 2022-07-28 11:41 | 2022-08-05 11:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence Vendor- xxxxxx<br> Open-deemed non-material. - Due Diligence Vendor- xxxxxx<br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Max allowable LTV is 75% for Achiever Grade B Cash Out refinance primary residence - Due Diligence Vendor-xxxxxx |  |  | Months Reserves exceed minimum required - Months Reserves 51 exceed minimum required 5.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774343 | xxxxxx D B A | Closed | xxxxxx | 2022-07-27 17:15 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>Open-Asset Qualification Does Not Meet Guideline Requirements - 1003 reflect assets from 401K account with xxxxxx. Guideline require "documentation to verify the borrower/account holder is permitted to make withdrawals." Borrower also received cash at closing $163,292.64 sufficient for reserves.. Therefore considered non-material. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 51 exceed minimum required 5.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774343 | xxxxxx D B A | Closed | xxxxxx | 2022-07-21 20:58 | 2023-02-01 08:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx<br> Resolved-Lender provided the intiial 1003 - Due Diligence Vendor-xxxxxx<br> Open-The Initial 1003 is Missing Statute of Limitations - Three Years - Due Diligence Vendor-xxxxxx |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx<br>Resolved-Lender provided the intiial 1003 - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 51 exceed minimum required 5.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774343 | xxxxxx D B A | Closed | xxxxxx | 2022-07-21 21:30 | 2022-08-02 19:12 | Waived | 2 - Non-Material B | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor- xxxxxx<br> Open-Missing Service Provider List.<br> Statute of Limitations - Three Years - Due Diligence Vendor- xxxxxx<br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 51 exceed minimum required 5.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774343 | xxxxxx D B A | Closed | xxxxxx | 2022-07-21 21:03 | 2022-08-02 18:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing Statute of Limitations - Three Years - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 51 exceed minimum required 5.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-26 10:48 | 2022-08-11 08:44 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received xxxxxx UCDP with a risk score <2.5 - Due Diligence Vendor-xxxxxx<br> Open-Missing CU/LCA score of 2.5 or less or Desk Review per guidelines. - Due Diligence Vendor-xxxxxx |  | Resolved--Received xxxxxx UCDP with a risk score <2.5 - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-26 12:48 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Public assistance available for two disasters with incident period xxxxxx and continuing (no end date). xxxxxx and xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2023-01-27 13:02 | 2023-01-27 13:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Investor waiver applied to non-material finding as LCA and CU Score are both below 2.5 - Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - Property condition is C4, and all comparable sales are C3. Appraiser rated the C4 property condition due to no updates only, no safety issues were noted - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding as LCA and CU Score are both below 2.5 - Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - Property condition is C4, and all comparable sales are C3. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |

| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-26 11:56 | 2022-08-26 11:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Credit history does not meet guidelines | Waived--Investor Waiver - Due Diligence Vendor-xxxxxx<br> Counter--Documentation provided is incomplete. Mortgage statement not provided as per letter provided. Complete Settlement statement is not provided, unable to determine if information provided is for primary residence xxxxxx Finding remains - Due Diligence Vendor- xxxxxx<br> Open-Missing evidence of TIA for primary. Unable to determine if payment on credit report includes T&I, and no document to support $100 HOA payment disclosed on 1008 - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: 122.53 months reserves, DTI 6.12%<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-26 11:53 | 2022-08-11 09:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received documentation to support 0x30x24 housing history - Due Diligence Vendor-xxxxxx<br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence 0x30x24 months housing history per guidelines. - Due Diligence Vendor-xxxxxx |  | Resolved--Received documentation to support 0x30x24 housing history - Due Diligence Vendor-xxxxxx<br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-26 11:05 | 2022-08-11 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved--Received LOX for inquiries - Due Diligence Vendor-xxxxxx<br> Open-Missing LOX for xxxxxx inquiry by xxxxxx and xxxxxx inquiries by xxxxxx- Due Diligence Vendor-xxxxxx |  | Resolved-Validation Resolved - Received purchase contract - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-26 11:44 | 2022-08-11 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) |  |  | Resolved--Received LOX for inquiries - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-11 08:30 | 2022-08-11 08:31 | Waived | 2 - Non-Material A B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived--NEW - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx- Due Diligence Vendor-xxxxxx |  | Waived--NEW - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-24 13:47 | 2022-08-11 08:23 | Resolved | 1 - Information D A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Received all pages of DOT - Due Diligence Vendor-xxxxxx<br> Open-The Deed of Trust is Incomplete - Missing page 10 of 10 with Notary information. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-The Deed of Trust is Present and Complete - Received all pages of DOT - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-26 11:56 | 2022-08-11 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved--Received fraud report - Due Diligence Vendor- xxxxxx<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-xxxxxx |  | Resolved--Received fraud report - Due Diligence Vendor-xxxxxx<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774345 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-26 11:53 | 2022-08-04 20:01 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 122.53 months reserves, and 11 months required.<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 6.12% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 692 qualifying FIC exceeds 620 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774354 | xxxxxx C B A | Closed | xxxxxx | 2022-07-29 14:24 | 2022-08-15 14:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor waiver - Due Diligence Vendor-xxxxxx<br> Open--Deemed non-material with comp factors. - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Borrower sold primary in xxxxxx. Provide VOR forxxxxxx though xxxxxx. 1003 shows only living at xxxxxx for 1 month. If unable to provide, then DTI exceeds 43% guideline max . - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver: Please waive with compensating factors: FICO 775, 68.2 months reserves.<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid score 734 is 114 points higher than required 620<br>LTV is less than guideline maximum - - LTV 80% is 5% lower than maximum 85% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774354 | xxxxxx C B A | Closed | xxxxxx | 2022-07-29 14:32 | 2022-08-05 10:29 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Asset Record 1 Does Not Meet G/L Requirements - File only contains 1 month for xxxxxx. 2 Months are required - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid score 734 is 114 points higher than required 620<br>LTV is less than guideline maximum - - LTV 80% is 5% lower than maximum 85% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774354 | xxxxxx C B A | Closed | xxxxxx | 2022-07-29 13:37 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid score 734 is 114 points higher than required 620<br>LTV is less than guideline maximum - - LTV 80% is 5% lower than maximum 85% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-09-16 17:32 | 2022-09-16 17:37 | Waived | 2 - Non-Material A B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - GAP Alert Report is dated xxxxxx with a Scheduled Monitoring End Date of xxxxxx. This is deemed non-material - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - GAP Alert Report is dated xxxxxx with a Scheduled Monitoring End Date of xxxxxx. This is deemed non-material with a DTI of 37.77%. - - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 13:35 | 2022-09-16 17:29 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived--Investor waiver applied to non-material finding - Bank statements provided reflecting 3 consecutive payments made to IRS for $105 payment on $81,140.55 balance. Other two IRS liens in file do not have documentation to support balance due however IRS draft for $20.78 and $358.34 reflective on bank statement used in DTI. - Due Diligence Vendor xxxxxx<br> Open--Public record indicate following Federal tax lien with an unknown status ; Filing date xxxxxx and Tax lien dated xxxxxx in the amount $xxxxxx. Borrower to provide explanation and document monthly payment associated with these liens. This does not appear to be the same as the IRS bill against the business. Additional conditions may apply upon review.<br> - Also provide explanation letter and documentation to support current balance and payment for IRS lien dated xxxxxx with a account balance $xxxxxx. Letter in file is dated xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Bank statements provided reflecting 3 consecutive payments made to IRS for $105 payment on $81,140.55 balance. Other two IRS liens in file do not have documentation to support balance due however IRS draft for $20.78 and $358.34 reflective on bank statement used in DTI. - Due Diligence Vendor xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 13:29 | 2022-08-31 14:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements Per guideline for loan program Champion Classic A+ require 0X30 in 24 months. 1003 reflect borrower renting subject property for the past 12 years. Borrower bank statement reflect mortgage payment made from July till xxxxxx. Provide documentation to meet guideline requirement 0X30 in 24 months. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 11:44 | 2022-08-31 14:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open-Non-Arm's Length Transactions Not Allowed for Program - Non-Arm's length family to family sales, guideline require a 12 month mortgage history for the seller's mortgage. Payment history must support loan is current with no derogatory history in the past 12 months.<br> Mortgage history in file does not meet guideline as it reflects late payments and charges on xxxxxx. With no payment from xxxxxx till xxxxxx. Additional mortgage in the amount $xxxxxx. Seller CD in file reflect paid off first mortgage and second mortgage. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 14:58 | 2022-08-09 18:52 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received Approved exception request, Finding deemed non-material-DTI 27.84% (Audit DTI 31.94%) - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Guideline require 11 months reserves, verified 10.20 months.<br> - xxxxxx stmt xxxxxx dated xxxxxx missing page 1 ; xxxxxx missing pg11 . - Due Diligence Vendor-xxxxxx |  | Resolved--Received Approved exception request, Finding deemed non-material-DTI 27.84% (Audit DTI 31.94%) - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 14:58 | 2022-08-09 18:51 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 11:44 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Counter--Received addendum to sales contract but it does not extend the closing date. Finding remains - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx- Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 15:17 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Counter--Received Originator approved exception request however for insufficient reserves. Exception must be approved by Investor. - Due Diligence Vendor-xxxxxx<br> Open-Audited Reserves of 10.12 month(s) are less than Guideline Required Reserves of 11 month(s) -1008 states exception requested, however it is not in the file - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. | -DTI 27.84% (Audit DTI 31.94%) |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 06:50 | 2022-08-02 19:40 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774361 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 06:50 | 2022-08-02 19:07 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br> Open-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). The Home Loan Toolkit was delivered xxxxxx and was not provided within 3 days of the Application Date of xxxxxx (Number of Days Difference is '5').<br> Statute of Limitations - Three Years - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 37.77% is below maximum of 50%.<br>LTV is less than guideline maximum - -80% LTV is less than maximum of 90%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774363 | xxxxxx B A | Closed | xxxxxx | 2022-07-29 16:47 | 2022-08-04 18:50 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Deemed non-material - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - GAP report missing - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - reserves = 24 months after close<br>Qualifying DTI below maximum allowed - Max DTI = 50%, borrower DTI - 41.12%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 683 @ 80LTV, min FICO can be 620 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774363 | xxxxxx B A | Closed | xxxxxx | 2022-08-02 17:38 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - reserves = 24 months after close<br>Qualifying DTI below maximum allowed - Max DTI = 50%, borrower DTI - 41.12%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 683 @ 80LTV, min FICO can be 620 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774363 | xxxxxx B A | Closed | xxxxxx | 2022-07-28 07:25 | 2022-08-02 18:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - reserves = 24 months after close<br>Qualifying DTI below maximum allowed - Max DTI = 50%, borrower DTI - 41.12%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 683 @ 80LTV, min FICO can be 620 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774364 | xxxxxx C B A | Closed | xxxxxx | 2023-01-27 13:09 | 2023-01-27 13:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Investor Waiver: acceptable as small pocket of homes, comps 1-3 within xxxxxx and C4 acceptable to investor. - Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - Exception request in file. Subject is C4, comps 2 is C4, 3 is C2 and comp 1 is a C3 , comps 1,3 are not C4, nor did the appraiser provide a detailed narrative regarding the subject property market acceptance. Exception approved by Originator but not by Investor. Property condition due to cosmetic issues only, appraiser stated no recent remodeling or updating was noted and no health or safety issues reported - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: acceptable as small pocket of homes, comps 1-3 within xxxxxx and C4 acceptable to investor.<br> - Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - Exception request in file. Subject is C4, comps 2 is C4, 3 is C2 and comp 1 is a C3 , comps 1,3 are not C4, nor did the appraiser provide a detailed narrative regarding the subject property market acceptance. Exception approved by Originator but not by Investor. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI - 12.00% max = 50% - DTI per file without ALL bank statements present - <br>LTV is less than guideline maximum - - Max LTV = 90% - file is 75% LTV |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774364 | xxxxxx C B A | Closed | xxxxxx | 2022-08-01 19:21 | 2022-09-06 14:35 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br> Open-Asset Qualification Does Not Meet Guideline Requirements - Missing complete 2 months bank statements, all pages, to support funds for closing and reserves<br>- Due Diligence Vendor-xxxxxx |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI - 12.00% max = 50% - DTI per file without ALL bank statements present - <br>LTV is less than guideline maximum - - Max LTV = 90% - file is 75% LTV |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774364 | xxxxxx C B A | Closed | xxxxxx | 2022-08-01 19:30 | 2022-08-26 10:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived--Investor Waiver: Please waive - Due Diligence Vendor-xxxxxx<br> Counter--Received 2 credit reports, one for xxxxxx and the other for xxxxxx neither of which is subject loan borrower, xxxxxx - Due Diligence Vendor-xxxxxx<br> Open-Audited FICO of 626 is less than Guideline FICO of 680 - Minimum FICO for FTHB with rent history is 680 - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: 14.36% DTI, 75% LTV - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI - 12.00% max = 50% - DTI per file without ALL bank statements present - <br>LTV is less than guideline maximum - - Max LTV = 90% - file is 75% LTV |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774364 | xxxxxx C B A | Closed | xxxxxx | 2022-08-09 07:05 | 2022-08-26 10:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: Please waive - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Champion A+ guidelines require 0x30x24, only 12 months rent verification in file - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: 14.36% DTI, 75% LTV - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI - 12.00% max = 50% - DTI per file without ALL bank statements present - <br>LTV is less than guideline maximum - - Max LTV = 90% - file is 75% LTV |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774364 | xxxxxx C B A | Closed | xxxxxx | 2022-08-09 07:05 | 2022-08-26 10:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived--Investor Waiver - Due Diligence Vendor-xxxxxx<br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. - Borrower does not meet the minimum tradeline requirement of 2x24 or 3x12 - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: 14.36% DTI, 75% LTV - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI - 12.00% max = 50% - DTI per file without ALL bank statements present - <br>LTV is less than guideline maximum - - Max LTV = 90% - file is 75% LTV |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774364 | xxxxxx C B A | Closed | xxxxxx | 2022-08-01 16:29 | 2022-08-25 14:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived--Investor Waiver provided as there are a small pocket of homes in the area and comps 1-3 are less than xxxxxx. - Due Diligence Vendor-xxxxxx<br> Counter--Received exception request approved by originator. Missing approval from investor. - Due Diligence Vendor-xxxxxx<br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Subject property is located in a Rural are which is not allowed per program guidelines. There is an Exception Request in file however not approved by Originator or Investor - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver provided as there are a small pocket of homes in the area and comps 1-3 are less than 5 miles. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI - 12.00% max = 50% - DTI per file without ALL bank statements present - <br>LTV is less than guideline maximum - - Max LTV = 90% - file is 75% LTV | -DTI <10% of max allowed<br> - Years in line of work >5 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774364 | xxxxxx C B A | Closed | xxxxxx | 2022-08-09 07:05 | 2022-08-09 07:37 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - GAP Alert Report is dated 04/26/22 with a Scheduled Monitoring End Date of 07/30/22. This is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - GAP Alert Report is dated xxxxxx with a Scheduled Monitoring End Date of xxxxxx. This is deemed non-material with a DTI of 14.36%. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI - 12.00% max = 50% - DTI per file without ALL bank statements present - <br>LTV is less than guideline maximum - - Max LTV = 90% - file is 75% LTV |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774364 | xxxxxx C B A | Closed | xxxxxx | 2022-07-27 10:16 | 2022-08-02 19:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI - 12.00% max = 50% - DTI per file without ALL bank statements present - <br>LTV is less than guideline maximum - - Max LTV = 90% - file is 75% LTV |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774365 | xxxxxx B A | Closed | xxxxxx | 2022-07-29 09:41 | 2022-08-12 13:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-- Investor Waiver: Okay to waive with valid compensating factors. - Due Diligence Vendor-xxxxxx<br> Counter-Deemed non-material is missing only 1 month history with LOE from landlord and FICO of 733. - Due Diligence Vendor-xxxxxx<br> Counter-The original finding should have stated that the xxxxxx pmt was missing, and not for April, May and June. Lender states loan closed in xxxxxx and and LOE was in file from landlord regarding xxxxxx The LOE does not reference the xxxxxx payment at all. The LOE does however state that the borrower paid sporadic payments due to them paying off their security deposit monthly at the beginning of the rental, rather than upfront. If this was the case, since they have been renting for 3 yrs, that security deposit would have been paid by xxxxxx and payments should have been a standard 1950.00 per month. Please provide proof of The xxxxxx payment. In addition, the proof in the file does not have a YEAR of payment made and the payments were not for the xxxxxx, but rather sporadic pmts as landlord discussed. Please provide proof that the screenshot of pmt made for the prior 11 months in file are in fact for xxxxxxx. - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Missing xxxxxxl, xxxxxx, xxxxxx and xxxxxx proof of rent paid - 12 months rent paid in file, however per guide rent to be paid through the date of closing - Housing debt must be current at the time of application and remain paid as agreed through the date of closing. - Due Diligence Vendor-xxxxxx |  | Waived-- Investor Waiver: Okay to waive with valid compensating factors: FICO 733<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -11 months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774365 | xxxxxx B A | Closed | xxxxxx | 2022-08-11 10:11 | 2022-08-12 13:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Investor Waiver: Okay to waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Open-Deemed non-material with comp factor of high FICO score. - Due Diligence Vendor-xxxxxx<br> Open-Audited DTI of 50.29% exceeds Guideline DTI of 50% Lender provided a CPA letter showing an 11% expense ratio. DTI is now 50.29 and exceeds the max allowed. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Okay to waive with valid compensating factors: FICO 733.<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -11 months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774365 | xxxxxx B A | Closed | xxxxxx | 2022-07-28 12:49 | 2022-08-02 19:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -11 months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774368 | xxxxxx C B A | Closed | xxxxxx | 2023-01-27 13:17 | 2023-01-27 13:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Client response: We should be ok to proceed based off the xxxxxx definition below of mixed use properties. Technically, the property does have mixed use influence. However, the property is primarily residential in nature, and has not been modified where there is an adverse impact on marketability. - Per the appraisal, there have been no modification to the dwelling, borrower uses a bedroom in the basement. This property meets xxxxxx requirement for an allowable mix-use property. Finding is deemed non-material. - Investor waiver applied to non-material finding - Mixed-use property not allowed per guidelines; Borrower is operating business out of home and this business was used for income qualification. - Due Diligence Vendor-xxxxxx |  | Waived--Client response: We should be ok to proceed based off the xxxxxx definition below of mixed use properties. Technically, the borrower does have a hair salon room in the basement. However, the property is primarily residential in nature, and has not been modified where there is an adverse impact on marketability. - Per the appraisal, there have been no modification to the dwelling, borrower uses a xxxxxx. This property meets xxxxxx requirement for an allowable mix-use property, specifically refencing xxxxxx Finding is deemed non-material. - Investor waiver applied to non-material finding<br> - Mixed-use property not allowed per guidelines; Borrower is operating business out of home and this business was used for income qualification. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 167 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 17% below max allowed<br>LTV is less than guideline maximum - - LTV is 15% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774368 | xxxxxx C B A | Closed | xxxxxx | 2022-07-29 09:50 | 2022-08-02 19:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Investor approval provided - Due Diligence Vendor-xxxxxx<br> Open-Audited Reserves of 1.6 month(s) are less than Guideline Required Reserves of 3 month(s) - Borrower does not have sufficient reserves of 2 months from own funds to qualify to use cash-out as reserves. Program requires 3 in total - Due Diligence Vendor-xxxxxx |  | Waived-Investor approval provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 167 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 17% below max allowed<br>LTV is less than guideline maximum - - LTV is 15% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 15:37 | 2022-12-20 16:23 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved- - Due Diligence Vendor-xxxxxx<br> Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Employed in same profession > 5 years - Due Diligence Vendor-xxxxxx<br> Counter--Received bank statements dated in xxxxxx, copies of checks from xxxxxx, xxxxxx xxxxxx Tax Statement, LOE from xxxxxx and written VOE from same, unrelated Exception request and xxxxxx 1040. No documents provided are related to this Finding. Provide documentation borrower has received 1099 income for 2 full years or that borrower converted from W2 to 1099 to meet GL requirements - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors Missing evidence that borrower has a two-year history of receiving 1099 income only or recently converted from W2 to 1099 to meet requirement for 1099 program. <br> - Missing xxxxxx transcripts.<br> - Missing VOE from xxxxxx (contract employer) meeting guideline requirements (covering 1 to 2 years plus YTD earnings); likelihood of continued contractor status; and identification of any non-reimbursed business expenses. A handwritten VOE provided from xxxxxx xxxxxx noting a xxxxxx start date at $4,500 monthly. Address on VOE is a residential property. Unable to determine relationship between xxxxxx and xxxxxx xxxxxx xxxxxx xxxxxx xxxxxx.<br> - Missing LOX that borrower plans to continue working contract employment with xxxxxx since VOE provided for employment with xxxxxx with start date of xxxxxx.<br> - DTI<br> - Residual income issue - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Employed in same profession > 5 years - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 10:57 | 2022-09-15 11:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx<br> Counter--Client provided email chain with title company who states they do not show an amount on preliminary title. --(Response) Provide final title with with sufficient coverage - Due Diligence Vendor-xxxxxx<br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of xxxxxx. - Preliminary title does not disclose coverage amount. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $100000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 12:10 | 2022-09-12 15:29 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Counter- - Due Diligence Vendor-xxxxxx<br> Open--Received bank statements dated in 2022, copies of checks from xxxxxx, xxxxxx xxxxxxTax Statement, LOE from xxxxxx and written VOE from same, unrelated Exception request and xxxxxx 1040. No documents provided are related to this Finding. Provide documentation borrower has received 1099 income for 2 full years or that borrower converted from W2 to 1099 to meet GL requirements - Due Diligence Vendor-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines - Missing VOE from xxxxxx (contract employer) meeting guideline requirements (covering 1 to 2 years plus YTD earnings); likelihood of continued contractor status; and identification of any non-reimbursed business expenses. A handwritten VOE provided from xxxxxx noting a xxxxxx start date at $4,500 monthly. Address on VOE is a residential property. Unable to determine relationship between xxxxxx and xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Employed in same profession > 5 years - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 12:08 | 2022-09-12 15:26 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Counter--Received bank statements dated in xxxxxx copies of checks from xxxxxx, xxxxxx xxxxxx Tax Statement, LOE from xxxxxx and written VOE from same, unrelated Exception request and xxxxxx 1040. No documents provided are related to this Finding. Provide documentation borrower has received 1099 income for 2 full years or that borrower converted from W2 to 1099 to meet GL requirements - Due Diligence Vendor-xxxxxx<br> Open- - Due Diligence Vendor-xxxxxx<br> Open-Missing evidence that borrower has a two-year history of receiving 1099 income only or recently converted from W2 to 1099 to meet requirement for 1099 program. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Employed in same profession > 5 years / Compensating Factor 3 - Credit Score 20 points > minimum required<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 15:23 | 2022-09-01 17:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Investor Waiver: Please waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Open-Audited DTI of 54.77% exceeds Guideline DTI of 50% DTI exceeds due to taxes and insurance on REO. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: LTV 22.73%, FICO 675, over 5 years in line of work<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 12:07 | 2022-09-01 17:18 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived--Investor Waiver: Please waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Open-Missing xxxxxx 1040 tax transcripts since xxxxxx 1099 used for income verification. Exception request in file for waiver but no evidence of approval by Client. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: LTV 22.73%, FICO 675, over 5 years in line of work - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 12:11 | 2022-09-01 17:16 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Income) | Waived--Investor Waiver: Please waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Open-Missing LOX that borrower plans to continue working contract employment with xxxxxx since VOE provided for employment says he has a new job with xxxxxx with start date of xxxxxx. xxxxxx used for income - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: LTV 22.73%, FICO 675, over 5 years in line of work - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 13:04 | 2022-08-02 20:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower does not meet residual income requirement | Waived-Investor approval provided. - Due Diligence Vendor-xxxxxx<br> Counter-Received Originator exception request however not approved by Investor. Finding remains - Due Diligence Vendor-xxxxxx<br> Open--Does not meet $2,500 requirement. Exception request in file for waiver but no evidence of approval by Client. - Due Diligence Vendor-xxxxxx |  | Waived-Investor approval provided. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. | -LTV/CLTV < 10% below max allowed.<br> - Years in line of work >5 yrs |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 12:08 | 2022-08-02 18:59 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Waived-Missing verbal VOE completed no more than 10 business days prior to note date. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Missing verbal VOE completed no more than 10 business days prior to note date. <br> - Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774369 | xxxxxx D B A | Closed | xxxxxx | 2022-07-21 09:15 | 2022-08-02 18:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 675 qualifying FICO exceeds 620 minimum required.<br>LTV is less than guideline maximum - 22.73% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774370 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-01 15:49 | 2023-02-01 09:47 | Resolved | 1 - Information A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Online registry reflects borrower as sole owner and president. Due Diligence Vendor-xxxxxx<br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines - Missing CPA confirming ownership interest. Operating agreement in file dated 02/26/2019 notes 100% interest.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Online registry reflects borrower as sole owner and president. - Due Diligence Vendor-xxxxxx<br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 31.01 months reserves and 7 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 qualifying FICO and 700 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774370 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-01 17:15 | 2023-02-01 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 CPA Letter Missing - Missing CPA confirming ownership interest per guides when using personal bank statements. Operating agreement in file dated 02/26/2019 notes 100% interest. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 31.01 months reserves and 7 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 qualifying FICO and 700 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774370 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-01 16:25 | 2022-09-07 14:54 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Online registry reflect borrower as sole owner and president. - Due Diligence Vendor-xxxxxx<br> Counter--Received purchase agreement addendum which is not related to Finding. Provide a CPA letter as required by guidelines. Finding remains - Due Diligence Vendor-xxxxxx<br> Counter--Received evidence of security deposit for departing property. Missing CPA letter confirming borrower is 100% owner of business. Finding remains - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - Missing CPA confirming ownership interest. Operating agreement in file dated 02/26/2019 notes 100% interest.<br> - Missing proof of first month rent and security deposit for conversion of departure to rental.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Online registry reflect borrower as sole owner and president. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 31.01 months reserves and 7 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 qualifying FICO and 700 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774370 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-01 16:32 | 2022-09-01 19:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved--Received acceptable LOE - Due Diligence Vendor-xxxxxx<br> Open-Missing satisfactory explanation why xxxxxx purchase price is substantially below appraised value of xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received acceptable LOE - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 31.01 months reserves and 7 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 qualifying FICO and 700 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774370 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-01 15:49 | 2022-08-15 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved--Received evidence of security deposit received. First months rents is not due until xxxxxx - Due Diligence Vendor-xxxxxx<br> Open-Missing proof of first month rent and security deposit for conversion of departure to rental.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received evidence of security deposit received. First months rents is not due until xxxxxx - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 31.01 months reserves and 7 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 qualifying FICO and 700 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774370 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-01 13:51 | 2022-08-15 12:09 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Received final title with correct coverage - Due Diligence Vendor-xxxxxx<br> Open-Title Coverage Amount of $xxxxxx is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Received final title with correct coverage - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 31.01 months reserves and 7 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 qualifying FICO and 700 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774370 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-01 16:01 | 2022-08-04 19:35 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 31.01 months reserves and 7 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 qualifying FICO and 700 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774370 | xxxxxx D B C A | Closed | xxxxxx | 2022-07-29 11:09 | 2022-09-01 19:33 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Fee not correctly identified in Closing Cost Detail | Resolved--Received corrected CD and evidence of delivery to borrower - Due Diligence Vendor-xxxxxx <br>Open-Home Warranty fee is required to have optional designation which is missing. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected CD and evidence of delivery to borrower - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 31.01 months reserves and 7 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 qualifying FICO and 700 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774370 | xxxxxx D B C A | Closed | xxxxxx | 2022-07-29 10:46 | 2022-08-02 19:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing Statute of Limitations - Three Years - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 31.01 months reserves and 7 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 qualifying FICO and 700 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774371 | xxxxxx B A | Closed | xxxxxx | 2022-07-29 13:36 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Gap credit report in file is post-close dated xxxxxx. No new debts, therefore considered non material - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 620, borrower mid FICO is 750<br>Months Reserves exceed minimum required - Months required is 6 months, borrower has 28.39 reserves post-close<br>LTV is less than guideline maximum - Max allowable LTV is 85%, subject loan at 67.24% LTV |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774372 | xxxxxx D B A | Closed | xxxxxx | 2022-07-29 12:36 | 2022-08-26 10:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived--Investor Waiver: Please waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Open-Delinquent Credit History Does Not Meet Guideline Requirements - No 60-day late payments in past 12 months are allowed per g/l. Borrower had 60-day late on xxxxxxin xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: 18.57% DTI, 36.97 months reserves,<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - borrower has 26.97 additional months<br>Qualifying DTI below maximum allowed - 18.57% DTI. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774372 | xxxxxx D B A | Closed | xxxxxx | 2022-07-29 12:52 | 2022-08-26 10:49 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived--Investor Waiver: Please waive with valid compensating factors. - Due Diligence Vendor-xxxxxx<br> Open-Missing LOX for inquiries: xxxxxx, xxxxxx xxxxxx; xxxxxx, xxxxxx; xxxxxx xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: 18.57% DTI, 36.97 months reserves. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - borrower has 26.97 additional months<br>Qualifying DTI below maximum allowed - 18.57% DTI. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774372 | xxxxxx D B A | Closed | xxxxxx | 2022-08-01 11:46 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% - cash out - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - borrower has 26.97 additional months<br>Qualifying DTI below maximum allowed - 18.57% DTI. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774372 | xxxxxx D B A | Closed | xxxxxx | 2022-07-28 11:29 | 2022-08-02 17:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - borrower has 26.97 additional months<br>Qualifying DTI below maximum allowed - 18.57% DTI. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774376 | xxxxxx D B A | Closed | xxxxxx | 2022-07-22 18:08 | 2022-08-04 19:41 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Gap Credit Report Incomplete | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Counter-Received GAP credit report for Borrower 1. Missing GAP credit report for Borrower 2. Finding remains - Due Diligence Vendor-xxxxxx<br> Open-Missing Gap Report for Borrower 2. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - <br>LTV is less than guideline maximum - <br>Qualifying FICO score is at least 20 points above minimum for program - |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774376 | xxxxxx D B A | Closed | xxxxxx | 2022-07-21 12:46 | 2022-08-02 18:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - <br>LTV is less than guideline maximum - <br>Qualifying FICO score is at least 20 points above minimum for program - |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774377 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-08 15:09 | 2022-12-20 16:58 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Resolved-Lender provided income documents - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - Missing income documents for borrower 1 - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Resolved-Lender provided income documents - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - The DTI is 31% compared with the 55% allowed by the program. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774377 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-03 12:57 | 2022-08-26 10:44 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived--Investor Waiver: Please waive with valid compensating factors<br> - Audit: Deemed non-material as income docs provided to validate DTI. - Due Diligence Vendor-xxxxxx<br> Counter- - Due Diligence Vendor-xxxxxx<br> Open--Deemed material as all income documents for borrower 1 are missing to confirm DTI. - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: DTI 31.71%, 26.95 months reserves, FICO 790 <br> - Audit: Deemed non-material as income docs provided to validate DTI. - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - The DTI is 31% compared with the 55% allowed by the program. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774377 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-03 11:36 | 2022-08-26 10:44 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor Waiver: Please waive with valid compensating factors<br> - Audit: Deemed non-material as income docs provided to validate DTI. - Due Diligence Vendor-xxxxxx<br> Open--Deemed material as all income documents for borrower 1 are missing to confirm DTI. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: DTI 31.71%, 26.95 months reserves, FICO 790<br> - Audit: Deemed non-material as income docs provided to validate DTI. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - The DTI is 31% compared with the 55% allowed by the program. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774377 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-03 11:07 | 2022-08-12 13:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Lender provided paystub and xxxxxx for borrower. - Due Diligence Vendor-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines - Missing all income documents for Borrower 1. Additional Findings may apply - Due Diligence Vendor-xxxxxx |  | Resolved-Lender provided paystub and TWN for borrower. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - The DTI is 31% compared with the 55% allowed by the program. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774377 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-03 10:15 | 2022-08-03 13:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx no contract addendum for an extension located in the file - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - The DTI is 31% compared with the 55% allowed by the program. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774377 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-01 13:59 | 2022-08-02 19:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - The DTI is 31% compared with the 55% allowed by the program. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774378 | xxxxxx C B A | Closed | xxxxxx | 2022-08-08 13:18 | 2022-09-07 12:06 | Waived | 2 - Non-Material C B | Credit | Title | Property Title Issue | Waived--Investor Waiver: Please waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Counter--Final Title vesting does not match Mortgage. Mortgage in the name of borrower and spouse, Final Title in the name of Borrower only. Provide corrected title. - Due Diligence Vendor-xxxxxx<br> Open-Property Title Issue - Title reflect proposed insured Borrower does not match vesting on Deed of Trust. Subject property located in the state of xxxxxx. Provide an updated title with sufficient coverage and proposed insured. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: DTI 33.19%, LTV 60.80%.<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 8 exceed minimum required 3.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43% below maximum allowed 33%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 774378 | xxxxxx C B A | Closed | xxxxxx | 2022-08-08 13:18 | 2022-08-09 13:31 | Waived | 2 - Non-Material B | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Waived-Title Coverage Amount of $xxxxxx is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Title Coverage Amount of $xxxxxx is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 8 exceed minimum required 3.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43% below maximum allowed 33%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 774380 | xxxxxx B A | Closed | xxxxxx | 2022-07-28 12:47 | 2022-08-05 09:54 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. Deemed non-material- Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. Deemed non-material as borrower DTI is 34.74%, max allowable is 50%- Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -104 months and 5 months required<br>Qualifying DTI below maximum allowed - - DTI of 34.74% with maximum of 50%<br>LTV is less than guideline maximum - - LTV of 80% below maximum of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 711 is above minimum of 620 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774380 | xxxxxx B A | Closed | xxxxxx | 2022-07-28 11:05 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx-missing extension addendum - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -104 months and 5 months required<br>Qualifying DTI below maximum allowed - - DTI of 34.74% with maximum of 50%<br>LTV is less than guideline maximum - - LTV of 80% below maximum of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 711 is above minimum of 620 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774381 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 13:35 | 2022-08-01 14:06 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved--Received corrected appraisal with all required photos - Due Diligence Vendor-xxxxxx<br> Open--Photos of subject Front and all Comparable photos are missing - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected appraisal with all required photos - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, borrower mid FICO is 773<br>Months Reserves exceed minimum required - Minimum months reserves is 12 months, borrower has 68.2 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774381 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 12:59 | 2022-09-07 12:07 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Waived--Investor Waiver: Please waive with valid compensating factors- Due Diligence Vendor-xxxxxx<br> Counter--Received Audit income worksheet. File is missing Originator's income worksheet. - Due Diligence Vendor-xxxxxx<br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing Originator 24 month business bank statement Income worksheet - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: 27.821% DTI, 68.2 months reserves, FICO 773 - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, borrower mid FICO is 773<br>Months Reserves exceed minimum required - Minimum months reserves is 12 months, borrower has 68.2 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774381 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 12:35 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, borrower mid FICO is 773<br>Months Reserves exceed minimum required - Minimum months reserves is 12 months, borrower has 68.2 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774385 | xxxxxx C B A | Closed | xxxxxx | 2022-07-28 12:47 | 2022-08-26 10:40 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived--Investor WaiverPlease waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Open-Asset Qualification Does Not Meet Guideline Requirements - Missing evidence Borrower is 100% owner of xxxxxx Assets used for closing and reserves, xxxxxx and xxxxxx, are in the business name of xxxxxx- Due Diligence Vendor-xxxxxx |  | Waived--Investor WaiverPlease waive with valid compensating factors: 26.43% DTI, 52.72 months reserves, FICO 765<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO = 765, NEEDED 700 = +65<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower DTI is 26.43%<br>Months Reserves exceed minimum required - Minimum required reserves is 5 months, borrower has 52.72 months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774385 | xxxxxx C B A | Closed | xxxxxx | 2022-08-08 16:21 | 2022-08-08 19:32 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Asset 1 Less Than 2 Months Verified - Missing 2 months asset statements for xxxxxx and xxxxxx- Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO = 765, NEEDED 700 = +65<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower DTI is 26.43%<br>Months Reserves exceed minimum required - Minimum required reserves is 5 months, borrower has 52.72 months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774385 | xxxxxx C B A | Closed | xxxxxx | 2022-07-28 12:11 | 2022-08-08 16:40 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Missing GAP credit report. Updated credit report dated xxxxxx is 11 days from Note date, and additional debt from xxxxxx has been added to DTI. - Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Missing GAP credit report. Updated credit report dated xxxxxx is 11 days from Note date, and additional debt from xxxxxx has been added to DTI. - Finding is deemed non-material due to comp factors of DTI 26.43 and FICO of 765. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO = 765, NEEDED 700 = +65<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower DTI is 26.43%<br>Months Reserves exceed minimum required - Minimum required reserves is 5 months, borrower has 52.72 months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2023-01-27 13:15 | 2023-01-27 13:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Investor waiver applied to non-material finding, deemed non-material - Photos attached to appraisal are in black and white. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding, deemed non-material with mid FICO 787, 17.32% DTI, 137.9 months reserves <br> - Photos attached to appraisal are in black and white. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2022-08-07 15:44 | 2022-09-06 12:13 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved--Upon further review, title commitment in file at time of original review has the 24 month chain of title - Due Diligence Vendor-xxxxxx<br> Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx<br> Open-Unsatisfactory Chain of Title provided - Missing 24 months chain of title - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review, title commitment in file at time of original review has the 24 month chain of title - Due Diligence Vendor-xxxxxx<br> Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 17:54 | 2022-09-06 12:09 | Resolved | 1 - Information A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received all required income documents - Due Diligence Vendor-xxxxxx<br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br> Rescinded-Income and Employment Do Not Meet Guidelines - Tape states Achiever, loan summary states Champion A+, missing is ALL income verification to verify income to which program, there is a xxxxxx self employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxx worksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx |  | Resolved--Received all required income documents - Due Diligence Vendor-xxxxxx<br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br> Rescinded-Income and Employment Do Not Meet Guidelines - Tape states xxxxxx loan summary states xxxxxx missing is ALL income verification to verify income to which program, there is a xxxxxx self employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxx worksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2022-08-04 09:24 | 2022-09-06 12:08 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received all required income documents - Due Diligence Vendor-xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - Missing all required income documents. Subject loan is full doc, missing 2 years personal and business tax returns and YTD P&L - Due Diligence Vendor-xxxxxx |  | Resolved--Received all required income documents - Due Diligence Vendor-xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2022-08-04 09:24 | 2022-09-06 12:07 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Tape states xxxxxx, loan summary states xxxxxx missing is ALL income verification to verify income to which program, there is a xxxxxx self employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxx worksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Tape states xxxxxx, loan summary states xxxxxx missing is ALL income verification to verify income to which program, there is a xxxxxx self employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxx worksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 17:54 | 2022-09-06 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing 30 day verbal VOE for self employment - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 17:54 | 2022-09-06 12:06 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Borrower 1 Business Tax Returns Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 Business Tax Returns Missing - Tape states xxxxxx, loan summary states xxxxxx+, missing is ALL income verification to verify income to which program, there is a xxxxxx self employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxx worksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Business Tax Returns Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 Business Tax Returns Missing - Tape states xxxxxx, loan summary states xxxxxx, missing is ALL income verification to verify income to which program, there is a xxxxxx self employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxxworksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 17:54 | 2022-09-06 12:06 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 IRS Transcripts Missing --Tape states xxxxxx, loan summary state sxxxxxx, missing is ALL income verification to verify income to which program, there is a xxxxxx self employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxx worksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 IRS Transcripts Missing --Tape statesxxxxxx, loan summary states xxxxxx, missing is ALL income verification to verify income to which program, there is a xxxxxx self employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxxworksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 17:54 | 2022-09-06 12:06 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 Personal Tax Returns Missing - Tape states xxxxxx, loan summary states xxxxxx, missing is ALL income verification to verify income to which program, there is a xxxxxx self employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxx worksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 Personal Tax Returns Missing - Tape states xxxxxx, loan summary states xxxxxx missing is ALL income verification to verify income to which program, there is a xxxxxxself employed work sheet showing K-1 and 1120s income audit assumes full doc , audit used xxxxxxworksheet for income, however, missing proof of what exact program and provide all income docs needed for that program. Additional finding may apply after income docs are provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 774386 | xxxxxx D B A | Closed | xxxxxx | 2022-08-04 08:06 | 2022-08-07 16:33 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. 2nd credit report dated 5.24.22 after note date xxxxxx additional debt added to DTI. - Finding is deemed non-materia. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. 2nd credit report dated 5.24.22 after note date xxxxxx additional debt added to DTI. - Finding is deemed non-material with mid FICO 787, 17.32% DTI, 137.9 months reserves. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Max allowable DTI is 55%, borrower is at 17.32 DTI<br>Months Reserves exceed minimum required - Minimum 7 months reserves, borrower has 137.9 months reserves post-close |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2023-01-27 12:59 | 2023-01-27 12:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Investor waiver applied to non-material finding. - C4 condition. No statement by appraiser and only one of the four comparable sales had C4 condition. Appraiser rated the C4 property condition due to no updates only, no safety issues were noted - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding. - C4 condition. No statement by appraiser and only one of the four comparable sales had C4 condition. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 14:49 | 2022-12-20 16:25 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Resolved- - Due Diligence Vendor-xxxxxx<br> Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx<br> Counter--Received all bank statements, recalculated income for all 3 bank accounts. Lender did not remove a $7500 unusual and large deposit in xxxxxx. Lender did not include B2 consumer debts in DTI, B1 debts paid at closing. <br> -(Still missing) - Missing verification of B1's status with xxxxxx. - Missing evidence that xxxxxx (identified as undisclosed property) is one and the same as noted when cleared by underwriter on fraud report. If not same property, PITIA required to be documented and included in DTI. Additional findings may apply. - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors -45.52% DTI exceeds 43% maximum. Variance to lender's 27% DTI is that B2's liabilities were excluded. <br> - Missing 24-months business statements for xxxxxx xxxxxx 5 months provided and xxxxxx 5 months). <br> - Missing verification of B1's status with xxxxxx.<br> - Missing evidence that xxxxxx (identified as undisclosed property) is one and the same as noted when cleared by underwriter on fraud report. If not same property, PITIA required to be documented and included in DTI. Additional findings may apply.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 15:04 | 2022-09-12 14:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Counter--Received all bank statements, recalculated income for all 3 bank accounts. Lender did not remove a $7500 unusual and large deposit in xxxxxx. Lender did not include B2 consumer debts in DTI, B1 debts paid at closing. Finding remains - Due Diligence Vendor-xxxxxx<br> Open-Audited DTI of 47.43% exceeds Guideline DTI of 43% - Due Diligence Vendor-xxxxxx<br> Open-Audited DTI of 45.52% exceeds Guideline DTI of 43% -45.52% DTI exceeds 43% maximum. Variance to lender's 27% DTI is that B2's liabilities were excluded. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 14:30 | 2022-09-12 13:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open-Fraud Report Shows Uncleared Alerts - Missing evidence that xxxxxx (identified as undisclosed property) is one and the same as noted when cleared by underwriter on fraud report. If not same property, PITIA required to be documented and included in DTI. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 14:26 | 2022-09-12 13:32 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Missing a gap credit report for both borrowers. Deemed material due to excessive DTI. - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Credit Score 20 points > minimum required<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 13:54 | 2022-09-12 13:29 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing verification of B1's status with xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 13:49 | 2022-09-12 13:25 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived- Investor Waiver requested - Due Diligence Vendor-xxxxxx<br> Open-Missing LOX for unemployment benefits deposited xxxxxx through xxxxxx to xxxxxx used for B1's xxxxxx income. - Due Diligence Vendor-xxxxxx |  |  | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 12:51 | 2022-09-06 14:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor xxxxxx<br> Open-Title Coverage Amount of $xxxxxx is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br> LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 13:54 | 2022-09-01 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Business Bank Statements Missing - Missing 24-months business statements for xxxxxx Records xxxxxx # 5 months provided and xxxxxx 5 months). Audit used lender's income for each borrower's 50% ownership interest. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 14:39 | 2022-09-01 11:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Asset 1 Verified Sufficiently - Due Diligence Vendor-xxxxxx<br> Open-Asset 1 Less Than 2 Months Verified - Missing additional consecutive month statement for xxxxxx . xxxxxx statement provided. - Due Diligence Vendor-xxxxxx |  | Resolved-Asset 1 Verified Sufficiently - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-04 09:41 | 2022-09-06 14:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-xxxxxx<br> Open-Homeownership Counseling Disclosure Is Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-04 09:36 | 2022-09-06 14:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx<br> Open-The Initial 1003 is Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 774392 | xxxxxx D B A | Closed | xxxxxx | 2022-08-04 09:41 | 2022-08-04 11:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 686 FICO is less than 620 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 774393 | xxxxxx D B A | Closed | xxxxxx | 2022-08-09 15:03 | 2022-09-08 11:47 | Resolved | 1 - Information B A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx<br> Waived-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx<br> Waived-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV of 75% is below max of 80%.<br>Months Reserves exceed minimum required - - 12 months reserves needed - file exceeds needed by 4 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Per borrower exceeds Min FICO by +77 points  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774393 | xxxxxx D B A | Closed | xxxxxx | 2022-08-10 11:36 | 2022-09-07 12:14 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open--Missing 1007 Rent Schedule as required by guidelines - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 6 months or more - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV of 75% is below max of 80%.<br>Months Reserves exceed minimum required - - 12 months reserves needed - file exceeds needed by 4 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Per borrower exceeds Min FICO by +77 points  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774393 | xxxxxx D B A | Closed | xxxxxx | 2022-08-10 15:41 | 2022-09-07 12:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open-Delinquent Credit History Does Not Meet Guideline Requirements - Borrower is 1x60x12 for Non-Housing payment history and is not allowed per guidelines - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 6 months or more - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV of 75% is below max of 80%.<br>Months Reserves exceed minimum required - - 12 months reserves needed - file exceeds needed by 4 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Per borrower exceeds Min FICO by +77 points  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774393 | xxxxxx D B A | Closed | xxxxxx | 2022-08-10 10:36 | 2022-09-06 13:56 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--xxxxxx statement provided for xxxxxx supporting online transfer. - Due Diligence Vendor-xxxxxx<br> Counter--Received asset statement already in file. Provide bank statement ending in #xxxxxx to support large deposit of $92,000 into xxxxxx - Due Diligence Vendor-xxxxxx<br> Open-Asset Qualification Does Not Meet Guideline Requirements - Missing bank statement xxxxxx to validate transfer of $92,000 xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--xxxxxx statement provided for xxxxxxsupporting online transfer. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV of 75% is below max of 80%.<br>Months Reserves exceed minimum required - - 12 months reserves needed - file exceeds needed by 4 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Per borrower exceeds Min FICO by +77 points  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774393 | xxxxxx D B A | Closed | xxxxxx | 2022-08-10 09:42 | 2022-09-06 13:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived--Investor Waiver: Please waive with valid compensating factors. - Due Diligence Vendor-xxxxxx<br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. - Missing exception from lender as indicated on 1008-requires tradeline exception as<br> she is shy 4 months for the 2nd tradeline being rated 24 months - Non-housing tradelines cannot be more than 30 days late at time of application and cannot have any 60 day late payments in the past 12 months; borrower has late pay xxxxxx- Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: LTV 75%, DTI 42.579%<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV of 75% is below max of 80%.<br>Months Reserves exceed minimum required - - 12 months reserves needed - file exceeds needed by 4 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Per borrower exceeds Min FICO by +77 points  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774393 | xxxxxx D B A | Closed | xxxxxx | 2022-08-09 15:45 | 2022-08-10 16:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV of 75% is below max of 80%.<br>Months Reserves exceed minimum required - - 12 months reserves needed - file exceeds needed by 4 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Per borrower exceeds Min FICO by +77 points  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774393 | xxxxxx D B A | Closed | xxxxxx | 2022-08-09 16:11 | 2022-08-10 16:17 | Waived | 2 - Non-Material B | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Waived-Named Insured does not match Borrower(s) Name(s) - Missing co-borrowers name on HOI. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Named Insured does not match Borrower(s) Name(s) - Missing co-borrowers name on HOI. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV of 75% is below max of 80%.<br>Months Reserves exceed minimum required - - 12 months reserves needed - file exceeds needed by 4 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Per borrower exceeds Min FICO by +77 points  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774399 | xxxxxx C B A | Closed | xxxxxx | 2022-08-01 14:18 | 2022-08-24 15:58 | Resolved | 1 - Information C A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved--Received PDI with no damage noted - Due Diligence Vendor-xxxxxx<br> Counter-A PDI has been ordered. - Due Diligence Vendor-xxxxxx<br> Counter-Lender provided an LOE regarding the FEMA stating that Since the loan closed and funded as of xxxxxx, prior to the FEMA disaster declared on xxxxxx, xxxxxx will not be providing this document as it was not needed for the salability of the<br> loan as of the closing/funding date. Per audit, a PDI is still required to clear the finding. - Due Diligence Vendor-xxxxxx<br> Open-Individual assistance available for xxxxxx (xxxxxx-OK) declared xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received PDI with no damage noted - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV/CLTV is 5% below guidelines max.<br>Qualifying DTI below maximum allowed - - DTI is 44% below guideline max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774399 | xxxxxx C B A | Closed | xxxxxx | 2022-08-01 13:30 | 2022-08-04 18:27 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived- - Due Diligence Vendor-xxxxxx<br> Open-Borrower 2 Gap Credit Report is Missing - New credit report pulled 05/11/2022; no gap report dated within 10 days of closing on xxxxxx found. - Due Diligence Vendor-xxxxxx |  |  | LTV is less than guideline maximum - - LTV/CLTV is 5% below guidelines max.<br>Qualifying DTI below maximum allowed - - DTI is 44% below guideline max. | Investor waiver applied to non-material finding |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774399 | xxxxxx C B A | Closed | xxxxxx | 2022-08-01 13:30 | 2022-08-04 18:27 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - New credit report pulled 05/11/2022; no gap report dated within 10 days of closing on xxxxxx found. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV/CLTV is 5% below guidelines max.<br>Qualifying DTI below maximum allowed - - DTI is 44% below guideline max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774399 | xxxxxx C B A | Closed | xxxxxx | 2022-07-29 16:19 | 2022-08-02 19:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx-Contract extension is missing. - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx ontract extension is missing. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV/CLTV is 5% below guidelines max.<br>Qualifying DTI below maximum allowed - - DTI is 44% below guideline max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774399 | xxxxxx C B A | Closed | xxxxxx | 2022-07-29 16:19 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Non-Arm's Length Transactions Not Allowed for Program - Parents are Sellers with no mortgage on property and Appraiser was notified and commented on family transaction; LOE from Borrower's not provided as required by guidelines. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV/CLTV is 5% below guidelines max.<br>Qualifying DTI below maximum allowed - - DTI is 44% below guideline max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774400 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-29 09:18 | 2022-08-24 13:45 | Resolved | 1 - Information C A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved--Received PDI, condition is good and no damage noted - Due Diligence Vendor-xxxxxx<br> Open-A PDI has been ordered. - Due Diligence Vendor-xxxxxx<br> Open-Individual assistance available for xxxxxx (xxxxxx7-OK) declared xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received PDI, condition is good and no damage noted - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 731 qualifying FICO exceeds 680 minimum.<br>Months Reserves exceed minimum required - 34.08 months reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774400 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-28 17:28 | 2022-08-26 10:35 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived--Investor Waiver: Please waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Counter--Received Inquiries LOX already in file. Missing LOX for inquiries on credit report date xxxxxx File #xxxxxx. Finding remains - Due Diligence Vendor-xxxxxx<br> Open-Missing LOX for xxxxxx inquiry by xxxxxx and xxxxxx inquiry by xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: DTI 38.04%, 34.08 months reserves, FICO 749<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 731 qualifying FICO exceeds 680 minimum.<br>Months Reserves exceed minimum required - 34.08 months reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774400 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-29 08:23 | 2022-08-22 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Per xxxxxx property is not in a PUD. - Due Diligence Vendor-xxxxxx<br> Counter--Client response; Please see xxxxxx Appears property is not in a PUD and there is no indication that property would have any HOA dues. xxxxxx was not provided in original file nor attached with rebuttal. Finding remains. - Due Diligence Vendor-xxxxxx<br>Open-Missing verification of HOA for primary located at xxxxxx Due Diligence Vendor-xxxxxx |  | Resolved--Per xxxxxx property is not in a PUD. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 731 qualifying FICO exceeds 680 minimum.<br>Months Reserves exceed minimum required - 34.08 months reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774400 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-15 10:50 | 2022-08-19 18:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review. audit calculated income using bank statements in file. DTI is 38% - Due Diligence Vendor-xxxxxx<br> Counter--Investor Response: This loan was to be reviewed to the xxxxxx guide which allows for Bank statement Income doc type as advised in our first email. - Audit Comments: The issue on this file is that the Lender also included full doc income such as tax returns, 1120S and W2's. These documents could not be ignored, and although not all the schedules were received, we could determine that the declared income would be 5564.00 monthly for the borrower, and only 1949.51 for the co borrower, resulting in a total monthly income of 7513.00 vs what lender used which is bank statements at $19k. Finding Remains. - Due Diligence Vendor-xxxxxx<br> Open-Audited DTI of 100.91% exceeds Guideline DTI of 50% - Due Diligence Vendor-xxxxxx |  | Resolved-Upon further review. audit calculated income using bank statements in file. DTI is 38% - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 731 qualifying FICO exceeds 680 minimum.<br>Months Reserves exceed minimum required - 34.08 months reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774400 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-01 12:40 | 2022-08-19 18:39 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Upon further review, audit utilized the bank statements in file. DTI is 38% - Due Diligence Vendor-xxxxxx<br>Counter--Investor Response: This loan was to be reviewed to the Achiever Expanded guide which allows for Bank statement Income doc type as advised in our first email. - Audit Comments: The issue on this file is that the Lender also included full doc income such as tax returns, 1120S and W2's. These documents could not be ignored, and although not all the schedules were received, we could determine that the declared income would be 5564.00 monthly for the borrower, and only 1949.51 for the co borrower, resulting in a total monthly income of 7513.00 vs what lender used which is bank statements at $19k. Finding Remains. - Due Diligence Vendor-xxxxxx<br>Counter--Client response: This finding is valid. We completed the loan as a bank statement loan. Appears Tax Returns were provided to show proof of Self Employment only and not for income calculation. I am requesting the investor to review for a possible exception. - Finding remains until Investor approval received. - Due Diligence Vendor-xxxxxx<br>Open-100.91% DTI exceeds 50% maximum allowed using income from 2020 1120S provided. - Due Diligence Vendor-xxxxxx |  | Resolved-Upon further review, audit utilized the bank statements in file. DTI is 38% - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 731 qualifying FICO exceeds 680 minimum.<br>Months Reserves exceed minimum required - 34.08 months reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774400 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-01 13:30 | 2022-08-19 18:38 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Upon further review, loan does not meet guidelines for bank statement program with the documentation in the file, however, income docs/tax returns were in the file as well. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Counter--Investor Response: This loan was to be reviewed to the xxxxxx guide which allows for Bank statement Income doc type as advised in our first email.<br> - Audit Comments: The issue on this file is that the Lender also included full doc income such as tax returns, 1120S and W2's. These documents could not be ignored, and although not all the schedules were received, we could determine that the declared income would be 5564.00 monthly for the borrower, and only 1949.51 for the co borrower, resulting in a total monthly income of 7513.00 vs what lender used which is bank statements at $19k. Finding Remains. - Due Diligence Vendor-xxxxxx<br> Counter--Client response: This finding is valid. We completed the loan as a bank statement loan. Appears Tax Returns were provided to show proof of Self Employment only and not for income calculation. I am requesting the investor to review for a possible exception. - Finding remains until Investor approval received. - Due Diligence Vendor-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines Lender used 12 mos bank statement program, however the file actually contained income documents (W2, 1120S), therefore, bank statement program not used by Audit. Income is insufficient using the documents provided. Missing YTD P & L, personal tax returns and xxxxxxW2 for borrower 2. - Due Diligence Vendor-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines Lender used 12 mos bank statement program, however the file actually contained income documents (W2, 1120S), therefore, bank statement program not used by Audit. Income is insufficient using the documents provided. Missing YTD P & L, and 2020 W2 for borrower 2. - Due Diligence Vendor-xxxxxx |  | Waived-Upon further review, loan does not meet guidelines for bank statement program with the documentation in the file, however, income docs/tax returns were in the file as well. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 731 qualifying FICO exceeds 680 minimum.<br>Months Reserves exceed minimum required - 34.08 months reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774403 | xxxxxx B A | Closed | xxxxxx | 2022-07-28 07:55 | 2022-08-04 18:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Per Investor; Please waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence of April and May xxxxxx rent payments - Due Diligence Vendor-xxxxxx |  | Waived-Per Investor; Please waive with valid compensating factors : 27.823% DTI, FICO 670 - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Credit score 670 allowed 620<br>Qualifying DTI below maximum allowed - - DTI 28% allowed 50%<br>Months Reserves exceed minimum required - - reserves needed 5, qualifying reserves months 65.57 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774403 | xxxxxx B A | Closed | xxxxxx | 2022-08-03 08:48 | 2022-08-03 11:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Credit score 670 allowed 620<br>Qualifying DTI below maximum allowed - - DTI 28% allowed 50%<br>Months Reserves exceed minimum required - - reserves needed 5, qualifying reserves months 65.57 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774404 | xxxxxx C B A | Closed | xxxxxx | 2022-08-17 15:26 | 2022-08-26 10:33 | Waived | 2 - Non-Material A B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived--Investor Waiver: Please waive with valid compensating factors - Due Diligence Vendor-xxxxxx<br> Open--NEW- Missing access letter for asset accounts xxxxxx and xxxxxx. - Due Diligence Vendor-xxxxxx<br> Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Please waive with valid compensating factors: DTI 28.54%, 43.42 months reserves, 70% LTV, <br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 70% is 5% lower than maximum 85%<br>Qualifying DTI below maximum allowed - - DTI 28.54% is 21.46% lower than maximum 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774404 | xxxxxx C B A | Closed | xxxxxx | 2022-07-28 14:38 | 2022-08-17 15:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 43.42 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-xxxxxx<br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) - Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-xxxxxx |  | Resolved-Audited Reserves of 43.42 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 70% is 5% lower than maximum 85%<br>Qualifying DTI below maximum allowed - - DTI 28.54% is 21.46% lower than maximum 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774404 | xxxxxx C B A | Closed | xxxxxx | 2022-07-28 14:28 | 2022-08-17 15:26 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved--Received bank statements with sufficient assets. - Due Diligence Vendor-xxxxxx<br> Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-xxxxxx<br> Open-Total Qualified Assets Post-Close amount is '$-62610.17'. Assets are Insufficient. - xxxxxx & xxxxxx does not show they belong to borrower (borrowers uncle is account holder). xxxxxx xxxxxx requires access letter from other signers/account holders. These account were not used to qualify by Audit, cash to close and reserves are not met. - Due Diligence Vendor-xxxxxx |  | Resolved--Received bank statements with sufficient assets. - Due Diligence Vendor-xxxxxx<br> Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 70% is 5% lower than maximum 85%<br>Qualifying DTI below maximum allowed - - DTI 28.54% is 21.46% lower than maximum 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774404 | xxxxxx C B A | Closed | xxxxxx | 2022-07-28 14:17 | 2022-08-04 19:38 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 70% is 5% lower than maximum 85%<br>Qualifying DTI below maximum allowed - - DTI 28.54% is 21.46% lower than maximum 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774404 | xxxxxx C B A | Closed | xxxxxx | 2022-07-26 10:04 | 2022-08-02 19:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 70% is 5% lower than maximum 85%<br>Qualifying DTI below maximum allowed - - DTI 28.54% is 21.46% lower than maximum 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774404 | xxxxxx C B A | Closed | xxxxxx | 2022-07-26 10:04 | 2022-08-02 19:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx<br> Open-The Home Loan Toolkit disclosure is missing. - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 70% is 5% lower than maximum 85%<br>Qualifying DTI below maximum allowed - - DTI 28.54% is 21.46% lower than maximum 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774415 | xxxxxx B A | Closed | xxxxxx | 2022-07-25 15:30 | 2022-08-02 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx missing contract extension. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774416 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-05 15:22 | 2022-08-24 13:52 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received xxxxxx UCDP with a risk score of 1 - Due Diligence Vendor-xxxxxx<br> Open-- Missing CU/LCA < 2.5 or desk review. - Due Diligence Vendor-xxxxxx |  | Resolved--Received xxxxxx UCDP with a risk score of 1 - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 665 is 45 points higher than required 620<br>LTV is less than guideline maximum - LTV 56.88% is 23.12% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 774416 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-05 17:21 | 2022-09-12 12:32 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Counter-Upon further review, Audit requires proof of NEW PITI for xxxxxx Although home purchased in xxxxxx however, Borrower had a recent simultaneous closing concurrent with subject. Provide CD or loan approval to verify new PITI PMT. - Due Diligence Vendor-xxxxxx<br> Counter--Client response: We do not have proof of the PITIA or VOR for xxxxxx Per the 1003 and the dates of the mortgage through xxxxxx it appears this address may be over 24 months old. The borrower has lived at his current Primary of xxxxxx for 2 years. The mortgage tied to this property was with xxxxxx opened in xxxxxx. (See credit supplement). We were simultaneously working on loan# xxxxxx for the borrowers Primary residence that closed at the same time as the transaction for loan# xxxxxx Hence, xxxxxx Mortgage showing as the mortgage tied to the Primary residence for loan# xxxxxx It appears we have met the 24 month VOM requirement. <br> --(Response) Missing 24 month history, credit report supplement only reflects 6 months of payments - Due Diligence Vendor-xxxxxx<br> Open-- Need evidence of PITIA for xxxxxx Due Diligence Vendor-xxxxxx |  | Waived-Considered non material due to low DTI of 39%. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 665 is 45 points higher than required 620<br>LTV is less than guideline maximum - LTV 56.88% is 23.12% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 774416 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-05 16:57 | 2022-09-12 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, supplemental and prior mtg on credit report full histories. Finding resolved - Due Diligence Vendor-xxxxxx<br> Counter--Client response: We do not have proof of the PITIA or VOR for xxxxxx Per the 1003 and the dates of the mortgage through xxxxxx it appears this address may be over 24 months old. The borrower has lived at his current Primary of xxxxxx for 2 years. The mortgage tied to this property was with xxxxxx that opened in xxxxxx. (See credit supplement). We were simultaneously working on loan# xxxxxx or the borrower's Primary residence that closed at the same time as the transaction for loan# xxxxxx Hence, xxxxxx showing as the mortgage tied to the Primary residence for loan# xxxxxx It appears we have met the 24 month VOM requirement. --(Response) Received supplemental credit report dated 05/13/22 showing xxxxxx and xxxxxx mortgages due for xxxxxx payment. However, xxxxxx only reflects 6 months of mortgage history. Provide documentation to support a 24 month mortgage history. Provide documents reflecting PITI(A) for new mortgage on primary residence. - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Primary xxxxxx issing evidence mortgage payments for xxxxxx,xxxxxx,xxxxxx, due for xxxxxx and 18 months VOR for xxxxxx<br> - xxxxxx[subject], missing evidence of xxxxxx payment due for xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-Upon further review, supplemental and prior mtg on credit report full histories. Finding resolved - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 665 is 45 points higher than required 620<br>LTV is less than guideline maximum - LTV 56.88% is 23.12% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 774416 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-05 16:58 | 2022-09-08 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved--Fraud report provided. - Due Diligence Vendor-xxxxxx<br> Open-Missing Third Party Fraud Report - Missing OFAC and LDP for borrower - Due Diligence Vendor-xxxxxx |  | Resolved--Fraud report provided. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 665 is 45 points higher than required 620<br>LTV is less than guideline maximum - LTV 56.88% is 23.12% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 774416 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-24 14:27 | 2022-09-08 12:50 | Resolved | 1 - Information A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--Fraud report/documentation provided that reflect the other property in question is owned by the borrower father with the same name but Sr at the end. - Due Diligence Vendor-xxxxxx<br> Open--NEW- Fraud report shows uncleared High alert for potential undisclosed REO. Provide documentation to support borrower does not any additional properties other than the 2 listed on final xxxxxx - Due Diligence Vendor-xxxxxx<br> Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-xxxxxx |  | Resolved--Fraud report/documentation provided that reflect the other property in question is owned by the borrower father with the same name but xxxxxx at the end. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 665 is 45 points higher than required 620<br>LTV is less than guideline maximum - LTV 56.88% is 23.12% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 774416 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-09 12:37 | 2022-08-24 14:49 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived--Received alert report dated xxxxxx with a Monitoring start date of xxxxxx and an Actual Monitoring End Date of xxxxxx, which is post-close with no new debt. finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open--Deemed material due to missing documentation to confirm DTI. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-xxxxxx |  | Waived--Received alert report dated 07/12/22 with a Monitoring start date of xxxxxx and an Actual Monitoring End Date of xxxxxx, which is post-close with no new debt. finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 665 is 45 points higher than required 620<br>LTV is less than guideline maximum - LTV 56.88% is 23.12% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 774416 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-05 17:19 | 2022-08-10 20:37 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 665 is 45 points higher than required 620<br>LTV is less than guideline maximum - LTV 56.88% is 23.12% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 774422 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 14:04 | 2022-08-31 14:54 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open-Per guides, if borrower is living rent free, file must contain written documentation from the landlord or property owner. Letter in file is only from the borrower - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Reserves exceed requirement by 6 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 20.58% is 29.42% less than maximum 43% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774422 | xxxxxx D B A | Closed | xxxxxx | 2022-07-28 09:51 | 2022-08-04 19:33 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Deemed non-material - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 20.58% is 29.42% less than maximum 43% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774422 | xxxxxx D B A | Closed | xxxxxx | 2022-07-26 12:47 | 2022-09-06 15:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx<br> Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Homeownership Counseling Disclosure was not dated. Unable to test. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 20.58% is 29.42% less than maximum 43% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774422 | xxxxxx D B A | Closed | xxxxxx | 2022-07-26 12:47 | 2022-08-02 19:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx<br> Open-The Home Loan Toolkit disclosure is missing. - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 20.58% is 29.42% less than maximum 43% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774425 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 14:16 | 2022-08-25 17:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Investor Waiver - Audit, deemed non-material as borrower has demonstrated ability to repay debt with very low LTV and FICO. - Due Diligence Vendor-xxxxxx<br> Counter--Client response: I do not see an issue with the UW's income calculation. UW removed online transfers and xxxxxx payments. All deposits seem to be in line with normal course of business. I don't see any large deposits that would be considered abnormal for the business. Please reference any specific deposits that need to be addressed.<br> --Response: Statement dated xxxxxx reflects a one-time, unusual deposit of $7900 on xxxxxx. This greatly exceeds any deposit received in the last 12 months and has been removed from the calculation. - Due Diligence Vendor-xxxxxx<br> Open-Audited DTI of 53.72% exceeds Guideline DTI of 50% - Max allowable DTI is 50%. Audit DTI is 53.72%. Originator did not remove large deposits and transfers from other accounts into business bank account - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Waived with comp factors of 22.21% LTV and 707 FICO.<br> - Audit, deemed non-material as borrower has demonstrated ability to repay debt with very low LTV and FICO. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 22.21% is less than maximum of 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 707 is 87 points above minimum of 620. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774425 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 13:58 | 2022-08-25 15:55 | Waived | 2 - Non-Material C B | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Waived--Investor Waiver - Audit, deemed non-material as borrower has demonstrated ability to repay debt with very low LTV and FICO. - Due Diligence Vendor-xxxxxx<br> Counter--Client response: I do not see an issue with the UW's income calculation. UW removed online transfers and Zelle payments. All deposits seem to be in line with normal course of business. I don't see any large deposits that would be considered abnormal for the business. Please reference any specific deposits that need to be addressed.<br> --Response: Statement dated xxxxxx reflects a one-time, unusual deposit of $7900 on xxxxxx. This greatly exceeds any deposit received in the last 12 months and has been removed from the calculation. - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - DTI of 53.72% exceeds allowable DTI max of 50% - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Waived with comp factors of 22.21% LTV and 707 FICO.<br> - Audit, deemed non-material as borrower has demonstrated ability to repay debt with very low LTV and FICO. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 22.21% is less than maximum of 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 707 is 87 points above minimum of 620. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774425 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 09:34 | 2022-08-23 09:37 | Waived | 2 - Non-Material A B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived--Received undisclosed debt notifications report dated xxxxxx with monitoring start date of xxxxxx and a monitoring end date of xxxxxx. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-xxxxxx |  | Waived--NEW-- Received undisclosed debt notifications report dated xxxxxx with monitoring start date of xxxxxx and a monitoring end date of xxxxxx --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 22.21% is less than maximum of 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 707 is 87 points above minimum of 620. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774425 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 13:46 | 2022-08-23 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received undisclosed debt notifications report dated xxxxxxwith monitoring start date of xxxxxx and a monitoring end date of xxxxxx. - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br> Open--Deemed material as DTI exceeds guidelines. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report - Due Diligence Vendor-xxxxxx |  | Resolved--Received undisclosed debt notifications report dated xxxxxx with monitoring start date of xxxxxx and a monitoring end date ofxxxxxx. - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 22.21% is less than maximum of 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 707 is 87 points above minimum of 620. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774425 | xxxxxx D B A | Closed | xxxxxx | 2022-08-10 14:01 | 2022-08-10 14:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 1.53 month(s) are less than Guideline Required Reserves of 3 month(s) - Borrower unable to meet 2 months reserves from own funds to use Cash Out for additional reserves per program requirements. (Investor guidelines do not have this requirement).<br> - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 1.53 month(s) are less than Guideline Required Reserves of 3 month(s) - Borrower unable to meet 2 months reserves from own funds to use Cash Out for additional reserves per program requirements. (Investor guidelines do not have this requirement).<br> - Downgraded to non-material due to:<br> - Mid FICO 707 with min 620<br> - LTV 22.21% with max 75%<br> - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 22.21% is less than maximum of 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 707 is 87 points above minimum of 620. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774425 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 12:34 | 2022-08-10 13:26 | Waived | 2 - Non-Material B | Credit | Title | Satisfactory Chain of Title not Provided | Waived-Unsatisfactory Chain of Title provided - Missing 24 month chain of title; Title only went back to property purchase date of xxxxxx fraud report shows prior owner on title since xxxxxx. <br> - down grade to non-material. <br> - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Unsatisfactory Chain of Title provided - Missing 24 month chain of title; Title only went back to property purchase date of xxxxxx Fraud report shows prior owner on title since 2015. <br> - down grade to non-material. <br> - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 22.21% is less than maximum of 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 707 is 87 points above minimum of 620. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774426 | xxxxxx C B A | Closed | xxxxxx | 2022-08-07 14:16 | 2022-08-08 19:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open--Missing xxxxxx escrow waiver disclosure. In the state of xxxxxx borrower(s) must execute the xxxxxx Loan Impound Disclosure and Waiver (xxxxxx) prior to closing. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 24.01% DTI below 43% maximum.<br>LTV is less than guideline maximum - 34.83% LTV less than 75% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 627 qualifying FICO exceeds 560 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774426 | xxxxxx C B A | Closed | xxxxxx | 2022-08-04 14:41 | 2022-08-07 14:33 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived-Missing LOX for inquiry by xxxxxx on xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Missing LOX for inquiry by xxxxxx on xxxxxx Finding is deemed non-material with DTI of 22.62%, LTV of 34.83% and 278 months in post close reserves. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 24.01% DTI below 43% maximum.<br>LTV is less than guideline maximum - 34.83% LTV less than 75% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 627 qualifying FICO exceeds 560 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774426 | xxxxxx C B A | Closed | xxxxxx | 2022-08-04 11:25 | 2022-08-07 14:33 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. Finding is deemed non-material with DTI of 22.62%, LTV of 34.83% and 278 months in post close reserves. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 24.01% DTI below 43% maximum.<br>LTV is less than guideline maximum - 34.83% LTV less than 75% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 627 qualifying FICO exceeds 560 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774426 | xxxxxx C B A | Closed | xxxxxx | 2022-08-04 11:25 | 2022-08-07 14:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements -1x60 payment on xxxxxx Card in xxxxxx does not meet xxxxxx requirement of no 60 day late payments in past 12 months. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements -1x60 payment on xxxxxx Card in 03/2022 does not meet g/l requirement of no 60 day late payments in past 12 months. Finding is deemed non-material with DTI of 22.62%, LTV of 34.83% and 278 months in post close reserves. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 24.01% DTI below 43% maximum.<br>LTV is less than guideline maximum - 34.83% LTV less than 75% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 627 qualifying FICO exceeds 560 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774429 | xxxxxx B A | Closed | xxxxxx | 2022-07-26 10:03 | 2022-08-02 20:04 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Investor waiver provided - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.88% DTI below 50% max.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is 91 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774435 | xxxxxx C B A | Closed | xxxxxx | 2022-08-01 14:01 | 2022-08-18 15:11 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - Missing primary housing history, showing no more than 1 x 30 in last 12 months, - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 123 points higher than minimum required.<br>Months Reserves exceed minimum required - - verified an additional 14 months reserves above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774435 | xxxxxx C B A | Closed | xxxxxx | 2022-08-01 14:01 | 2022-08-18 15:11 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 123 points higher than minimum required.<br>Months Reserves exceed minimum required - - verified an additional 14 months reserves above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774435 | xxxxxx C B A | Closed | xxxxxx | 2022-08-01 13:59 | 2022-08-18 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Received supporting documentation - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements Borrower lives at xxxxxx. Note in file shows he is not responsible for pmts. Fraud shows he is an owner. Provide housing history to support no more than 1 x 30 for the past 12 months per guides - Due Diligence Vendor-xxxxxx |  | Resolved-Housing History Meets Guideline Requirements - Received supporting documentation - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 123 points higher than minimum required.<br>Months Reserves exceed minimum required - - verified an additional 14 months reserves above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774435 | xxxxxx C B A | Closed | xxxxxx | 2022-07-29 13:47 | 2022-08-05 11:58 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Credit Monitoring Report dated xxxxxx with a Monitoring End date on xxxxxx is more than 10 calendar days prior to closing. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 123 points higher than minimum required.<br>Months Reserves exceed minimum required - - verified an additional 14 months reserves above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774441 | xxxxxx B A | Closed | xxxxxx | 2022-08-05 06:32 | 2022-08-12 12:25 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-- Investor Waiver: Please waive with compensating factors - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing 30 day verbal VOE for self-employment business - Due Diligence Vendor-xxxxxx |  | Waived-- Investor Waiver: Please waive with compensating factors: DTI 28.91%, 23.09 months reserves, FICO 789<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower DTI is 28.79%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 786 is 106 points higher than required 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774441 | xxxxxx B A | Closed | xxxxxx | 2022-07-28 13:28 | 2022-08-02 19:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx<br> Open-The Home Loan Toolkit disclosure is missing. Non QM - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower DTI is 28.79%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 786 is 106 points higher than required 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774441 | xxxxxx B A | Closed | xxxxxx | 2022-07-28 13:28 | 2022-08-02 17:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Statute of Limitations - Three Years. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Statute of Limitations - Three Years. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower DTI is 28.79%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 786 is 106 points higher than required 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 11:48 | 2022-08-17 12:55 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved--Questionnaire received - Due Diligence Vendor-xxxxxx<br> Open--HOA/Condo Questionnaire not found in file. - Due Diligence Vendor-xxxxxx |  | Resolved--Questionnaire received - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 10:10 | 2022-08-19 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan has escrow holdback. No proof it was released provided in file | Resolved--Escrow holdback was for the water bill. Documentation has been provided to show funds have been disbursed to borrower and seller - Due Diligence Vendor-xxxxxx<br>Open--File contains holdback agreement and $500 holdback noted on Final CD; Holdbacks are not allowed per guidelines. - Due Diligence Vendor-xxxxxx |  | Resolved--Escrow holdback was for the water bill. Documentation has been provided to show funds have been disbursed to borrower and seller - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 11:01 | 2022-08-17 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved--Received fraud report with all alerts cleared - Due Diligence Vendor-xxxxxx<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br> Open-Missing Third Party Fraud Report - Fraud report not provided. - Due Diligence Vendor-xxxxxx |  | Resolved--Received fraud report with all alerts cleared - Due Diligence Vendor-xxxxxx<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 11:00 | 2022-08-17 12:46 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap credit report generated xxxxxx with a monitoring start date of xxxxxx and end date of xxxxxx. No new debt was listed - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing -. Due to prior BK and foreclosure and missing all income docs, remains material - Due Diligence Vendor-xxxxxx |  | Resolved--Received gap credit report generated xxxxxx with a monitoring start date of xxxxxx and end date of xxxxxx No new debt was listed - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-03 17:20 | 2022-08-17 12:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of xxxxxx is greater than or equal to the Guideline Minimum Loan Amount of $50000 - Due Diligence Vendor-xxxxxx<br> Resolved--Loan is within guidelines. - Due Diligence Vendor-xxxxxx<br> Open- - Due Diligence Vendor-xxxxxx |  | Resolved-Audited Loan Amount of xxxxxx is greater than or equal to the Guideline Minimum Loan Amount of $50000 - Due Diligence Vendor-xxxxxx<br> Resolved--Loan is within guidelines. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 11:32 | 2022-08-17 12:38 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - File is missing Income Worksheet, Current paystubs, and prior years W2's. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 11:32 | 2022-08-17 12:38 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 10:28 | 2022-08-17 12:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received paystubs and xxxxxx W2 - Due Diligence Vendor-xxxxxx<br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines - Missing current paystubs and prior two years W2's to calculate income. - Due Diligence Vendor-xxxxxx |  | Resolved--Received paystubs and xxxxxx W2 - Due Diligence Vendor-xxxxxx<br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 10:28 | 2022-08-17 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Received income worksheet - Due Diligence Vendor xxxxxx<br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing Lender income calculation worksheet. - Due Diligence Vendor- xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Received income worksheet - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 10:28 | 2022-08-17 12:35 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 W2/1099 Missing - Missing xxxxxx and xxxxxxW2's for income calculation. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 W2/1099 Missing - Missing 2020 and 2021 W2's for income calculation. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-02 10:28 | 2022-08-17 12:35 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 Paystubs Missing - Missing current paystubs for income calculation. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 Paystubs Missing - Missing current paystubs for income calculation. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774442 | xxxxxx D B A | Closed | xxxxxx | 2022-08-01 12:49 | 2022-08-02 19:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI is 36%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 55 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774447 | xxxxxx D B A | Closed | xxxxxx | 2022-08-08 17:42 | 2022-08-30 10:16 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing verbal VOE for borrower 2 - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx ' eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - Low LTV. Borrower's have substantial equity<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 39.42% DTI |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774447 | xxxxxx D B A | Closed | xxxxxx | 2022-08-08 17:11 | 2022-08-29 12:54 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Received corrected title and Mortgage - Due Diligence Vendor-xxxxxx<br> Open-Property Title Issue - Title vesting not correct. Mortgage is in the name of Borrower 1 as Trustee and Borrower 2 - Due Diligence Vendor-xxxxxx |  | Resolved-Property Title Issue Resolved - Received corrected title and Mortgage - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - Low LTV. Borrower's have substantial equity<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 39.42% DTI |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774447 | xxxxxx D B A | Closed | xxxxxx | 2022-08-08 17:54 | 2022-08-08 18:09 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Monitoring Report dated xxxxxx with a Scheduled Monitoring End Date of xxxxxx. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Monitoring Report dated xxxxxx with a Scheduled Monitoring End Date of xxxxxx. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - Low LTV. Borrower's have substantial equity<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 39.42% DTI |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774447 | xxxxxx D B A | Closed | xxxxxx | 2022-08-08 17:54 | 2022-08-08 18:09 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Monitoring Report dated xxxxxx with a Scheduled Monitoring End Date of xxxxxx. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Monitoring Report datedxxxxxx with a Scheduled Monitoring End Date of xxxxxxFinding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - Low LTV. Borrower's have substantial equity<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 39.42% DTI |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774447 | xxxxxx D B A | Closed | xxxxxx | 2022-08-01 12:23 | 2022-12-05 19:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved--Received corrected Note with borrower and co-borrower - Due Diligence Vendor-xxxxxx<br> Resolved-The Note is Present - Due Diligence Vendor-xxxxxx<br> Open-The Note is Incomplete - Note has Borrower 1 only, income derived from Borrower 2 - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected Note with borrower and co-borrower - Due Diligence Vendor-xxxxxx<br> Resolved-The Note is Present - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - Low LTV. Borrower's have substantial equity<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 39.42% DTI |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774447 | xxxxxx D B A | Closed | xxxxxx | 2022-08-01 12:35 | 2022-08-02 19:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Required Affiliated Business Disclosure Missing Statute of Limitations - Three Years - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - Low LTV. Borrower's have substantial equity<br>Qualifying DTI below maximum allowed - Max allowable DTI is 50%, borrower is at 39.42% DTI |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774449 | xxxxxx D B C A | Closed | xxxxxx | 2023-01-27 13:05 | 2023-01-27 13:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Investor waiver applied to non-material finding - Per Appraisal property condition C4 missing narrative to meet guideline regarding the subject property market acceptance. Appraisal narrative include sales have a narrow list-to-sale ratio and normal marketing time typically does not exceed 3-6 months. However marketing time was marked under 3 months. Comps used with similar property condition. Hence considered Non-material. Appraiser rated the C4 property condition due to no updates only, no safety issues were noted - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Per Appraisal property condition C4 missing narrative to meet guideline regarding the subject property market acceptance. Appraisal narrative include sales have a narrow list-to-sale ratio and normal marketing time typically does not exceed 3-6 months. However marketing time was marked under 3 months. Comps used with similar property condition. Hence considered Non-material. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 620.<br>LTV is less than guideline maximum - LTV 63% is less than guideline maximum 805. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774449 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-05 18:50 | 2022-08-10 20:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open--Verified borrower own funds to close $411.50 does not meet guideline requirement for cash-out refinance transaction two (2) months' reserves are verified from the borrower(s) own funds. CD reflect funds to Borrower $5914.25 . Total verified reserves $6325.75 meet guideline requirement. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 620.<br>LTV is less than guideline maximum - LTV 63% is less than guideline maximum 805. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774449 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-05 18:09 | 2022-08-10 13:33 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. DTI 35.88%, LTV 63.27%. Finding deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 620.<br>LTV is less than guideline maximum - LTV 63% is less than guideline maximum 805. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774449 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-04 13:53 | 2022-08-29 13:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Lender provided SPL dated xxxxxx. - Due Diligence Vendor-xxxxxx<br> Open-Statute of Limitations - Three Years<br> Unable to accurately test fees. - Due Diligence Vendor-xxxxxx |  | Resolved-Lender provided SPL dated xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 620.<br>LTV is less than guideline maximum - LTV 63% is less than guideline maximum 805. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774449 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-04 11:58 | 2022-08-04 13:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 620.<br>LTV is less than guideline maximum - LTV 63% is less than guideline maximum 805. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 774638 | xxxxxx B A | Closed | xxxxxx | 2022-08-12 09:48 | 2022-08-12 19:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived--Investor waiver for non-material finding. - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Missing extension addendum - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver for non-material finding. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI Max = 50% - file is 25.%<br>Qualifying FICO score is at least 20 points above minimum for program - - Min FICO = 680, file score = 706<br>Months Reserves exceed minimum required - 11 months additional reservers |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774891 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 15:50 | 2022-09-01 10:42 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $774900 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx<br> Counter--Seller Response: Duplicate rebuttal regrading 24 month chain of title provided, which is unrelated to this finding. The Title in the loan file submitted for audit contains title coverage for $xxxxxx with insured not being our borrower. Please provided correct title documentation to support coverage of at least the subject loan amount and correct insured amount as well as prior owner. Title in file does not appear to be for subject property. Finding remains. - Due Diligence Vendo xxxxxx<br> Counter--Client response: For the last 24 month chain of title xxxxxx is only one who acquired the title however deed is signed by xxxxxx and xxxxxx which is not an issue, both are husband and wife hence xxxxxx has signed the deed to waive her interest from the property<br> ----(Response) This is unrelated to this Finding. Provide updated/corrected Title Commitment or Final Title reflecting the correct Loan Policy coverage amount of $xxxxxx - Due Diligence Vendor-xxxxxx<br> Counter--Received copy of Warranty Deed which is unrelated to Finding. - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $xxxxxx is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Seller is also inaccurate on title in file and will require 24 months chain - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Min FICO = 680, file 721 FICO |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774891 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 18:22 | 2022-08-27 13:40 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Counter--Received income, calculated DTI is 43.23%. Missing GAP report - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Gap missing - - supplement credit 7.18.22 is not acceptable as GAP report<br> - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Min FICO = 680, file 721 FICO |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774891 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 19:03 | 2022-08-22 13:05 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - ALL 24 MONTHS bank statements missing for proof on income <br> - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - ALL 24 MONTHS bank statements missing for proof on income <br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Min FICO = 680, file 721 FICO |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774891 | xxxxxx D B A | Closed | xxxxxx | 2022-08-15 18:36 | 2022-08-22 13:05 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received income documents/24 months bank statements - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - ALL 24 MONTHS bank statements missing for proof on income - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received income documents/24 months bank statements - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Min FICO = 680, file 721 FICO |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774891 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 17:49 | 2022-08-22 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved--Received 24 months bank statements - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Business Bank Statements Missing - Provide 24 months of bank statement used to qualify - Due Diligence Vendor-xxxxxx |  | Resolved--Received 24 months bank statements - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Min FICO = 680, file 721 FICO |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774891 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 17:49 | 2022-08-22 12:56 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Min FICO = 680, file 721 FICO |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774891 | xxxxxx D B A | Closed | xxxxxx | 2022-08-12 09:36 | 2022-08-12 11:49 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Min FICO = 680, file 721 FICO |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774904 | xxxxxx C B A | Closed | xxxxxx | 2022-08-18 13:29 | 2022-08-19 15:19 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received supporting documents - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. See attached xxxxxx results. - Seller-xxxxxx <br> Open-Fraud Report Shows Uncleared Alerts - Fraud Guard reflect potential identity issue,. there are other name associated to the SSN, Lender cleared variance by stating xxxxxx will validate. However no SSA provided supporting alert cleared. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See attached xxxxxx results. - Seller-xxxxxx | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received supporting documents - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 729 is at least 20 points above minimum for program 680.<br>LTV is less than guideline maximum |  | xxxxxx.pdf<br>xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774904 | xxxxxx C B A | Closed | xxxxxx | 2022-08-18 16:13 | 2022-08-19 09:13 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--File contains Investor approved exception for Borrower not have 2 year history of receiving 1099 income. The 'Exception Required' verbiage refers to borrower income history only however, In the beginning remarks, the exception request appears to be for both borrower and co-borrower using income calculations, bank statements, in lieu of the 1099 income program guidelines requirements. Calculated income for both borrowers meets DTI requirements. Finding is deemed non-material due to compensating factors. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Waived-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-xxxxxx |  | Waived--File contains Investor approved exception for Borrower not have 2 year history of receiving 1099 income. The 'Exception Required' verbiage refers to borrower income history only however, In the beginning remarks, the exception request appears to be for both borrower and co-borrower using income calculations, bank statements, in lieu of the 1099 income program guidelines requirements. Calculated income for both borrowers meets DTI requirements. Finding is deemed non-material due to compensating factors. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Waived-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 729 is at least 20 points above minimum for program 680.<br>LTV is less than guideline maximum |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774904 | xxxxxx C B A | Closed | xxxxxx | 2022-08-18 16:13 | 2022-08-19 09:02 | Waived | 2 - Non-Material B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived--B1 started new company "xxxxxx" on xxxxxx- Prior to that in school and completed post-graduation on xxxxxx. However lender qualified income $20817.20 based on 9 months Bank statement and 10% expense factor. Per guideline require minimum 2 year of self-employment history. Qualifying income is 12 month average from the total number of 1099 minus the expense factor. However If used 12 month bank statement and 10% expense factor qualifying income will be $15612.90. If used qualifying income will cause DTI exceed guideline allowed 50%.<br> --B2 owner of xxxxxx. since xxxxxx. Co-borrower income $15481.95 based on 7 months deposit does not meet requirement as lower than 1099 xxxxx. income $24931.07.<br> Exception in file for less than 24 months and utilizing this income. --Investor exception approval in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Rescinded-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-xxxxxx |  | Waived--B1 started new company "xxxxxx" on xxxxxx- Prior to that in xxxxxx and completed post-graduation on xxxxxx. However lender qualified income $20817.20 based on 9 months Bank statement and 10% expense factor. Per guideline require minimum 2 year of self-employment history. Qualifying income is 12 month average from the total number of 1099 minus the expense factor. However If used 12 month bank statement and 10% expense factor qualifying income will be $15612.90. If used qualifying income will cause DTI exceed guideline allowed 50%.<br> --B2 owner of xxxxxx. since 2018. Co-borrower income $15481.95 based on 7 months deposit does not meet requirement as lower than 1099 -2020+2021 income $24931.07.<br> Exception in file for less than 24 months and utilizing this income. --Investor exception approval in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Rescinded-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 729 is at least 20 points above minimum for program 680.<br>LTV is less than guideline maximum | -Borrower has 19 months in reserves<br> - Borrowers have excellent credit<br> - Borrowers selling current home and using net proceeds, no mortgage late pays |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774904 | xxxxxx C B A | Closed | xxxxxx | 2022-08-18 12:57 | 2022-08-18 20:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 729 is at least 20 points above minimum for program 680.<br>LTV is less than guideline maximum |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774913 | xxxxxx C B A | Closed | xxxxxx | 2022-08-24 14:08 | 2022-08-30 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Documentation received to support funds to close and reqserves - Due Diligence Vendor-xxxxxx <br> Resolved-Audited Reserves of 6.19 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. As of funding date on xxxxxx. funds to close is noted at $194,572.27. F2C came from xxxxxx #xxxxxx. leaving a balance afterwards of $978.22 as of xxxxxx. + xxxxxx # xxxxxx. showing a balance of $24,684.73 as of xxxxxx. for a total after closing cost = $25,662.95. 3 months x $5,515.53 PITIA reserves = $16,546.59. The file has sufficient reserves after closing cost. - Seller-xxxxxx <br> Counter--Received updated xxxxxx statement. Total assets $208,138.96 - $194,572.27 cash to close = $13,566.69 (2.46 months reserves), 3 months required. - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. SEE ATTACHMENT - Seller-xxxxxx <br> Counter--Most recent statement for xxxxxx. is dated xxxxxx. with a balance of $19,166.03. Provide additional statement - Due Diligence Vendor-xxxxxx <br> Ready for Review-Borrower has a regular checking with xxxxxx acct ending in xxxxxx. with available balance, $24,684.73 (24,684.73 / PITIA 5,515.53 = 4.47 months reserve available). - Seller-xxxxxx <br> Open--Reserves of 1.46 months verified and 3 months are required. xxxxxx statements from xxxxxx. reflect a combined balance of $185,120.26. Wire receipt from xxxxxx. in file with reflects $194,572.27 coming from xxxxxx is not supported by statements in file. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. As of funding date on xxxxxxfunds to close is noted at $xxxxxx. F2C came from xxxxxx # xxxxxx leaving a balance afterwards of $978.22 as of xxxxxx + xxxxxx # xxxxxx showing a balance of $24,684.73 as of xxxxxxfor a total after closing cost = $25,662.95. 3 months x $5,515.53 PITIA reserves = $16,546.59. The file has sufficient reserves after closing cost. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. SEE ATTACHMENT - Seller-xxxxxx<br> Ready for Review-Borrower has a regular checking with xxxxxx acct ending inxxxxxx with available balance, $24,684.73 (24,684.73 / PITIA 5,515.53 = 4.47 months reserve available). - Seller-xxxxxx | Resolved--Documentation received to support funds to close and reqserves - Due Diligence Vendor-xxxxxx<br>Resolved-Audited Reserves of 6.19 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 23% below maximum allowed 50%. |  | xxxxxx TRANSACTION ACTIVITY.pdf<br>xxxxxx.pdf<br>xxxxxx TRANSACTION ACTIVITY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774913 | xxxxxx C B A | Closed | xxxxxx | 2022-08-24 14:05 | 2022-08-26 13:29 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Upon further review income is support by documentation in file - Due Diligence Vendor-xxxxxx <br>Ready for Review-Borrower's bank statement - 2022-YTD - supports 1099 income in xxxxxx acct ending in #9412 - Seller-xxxxxx<br> Open-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Independent contractor agreement dated xxxxxx support $8000 monthly income and reflect no commission on residual after 3 years. Agreement does not guarantee continuance of commission after 3 years or year 2022. Require updated agreement or documentation to support continuance of commission income. - Due Diligence Vendor-xxxxxx | Ready for Review-Borrower's bank statement - xxxxxxYTD - supports 1099 income in xxxxxx acct ending in #xxxxxx- Seller-xxxxxx | Resolved-The Originator QM Status and Final QM Status are the same. - Upon further review income is support by documentation in file - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 23% below maximum allowed 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774913 | xxxxxx C B A | Closed | xxxxxx | 2022-08-24 13:22 | 2022-08-26 13:28 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Resolved--Upon further review, borrower xxxxxx. 1099 income is supported by YTD deposits in account for the last 18 months - Due Diligence Vendor-xxxxxx <br> Ready for Review-Borrower's bank statement xxxxxx.-YTD - SUPPORTING 1099 INCOME xxxxxx xxxxxx. - Seller-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines - xxxxxx agreement dated xxxxxx support $8000 monthly income and reflect no commission on residual after 3 years. Agreement does not guarantee continuance of commission after 3 years or year xxxxxx.. Audit unable calculate income. Additional conditions may apply upon review. - Due Diligence Vendor-xxxxxx | Ready for Review-Borrower's bank statement xxxxxx-YTD - SUPPORTING 1099 INCOME xxxxxxxxxxxx - Seller-xxxxxx | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Resolved--Upon further review, borrower xxxxxx 1099 income is supported by YTD deposits in account for the last 18 months - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 23% below maximum allowed 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774913 | xxxxxx C B A | Closed | xxxxxx | 2022-08-24 11:24 | 2022-08-26 13:05 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Upon further review, finding is resolved - Due Diligence Vendor-xxxxxx<br> Ready for Review-Settlement agent/escrow cannot release LLC documents due to our privacy policy. <br> Pls. refer to page xxxxxx. out of xxxxxx. for the Special Warranty Deed. - Seller-xxxxxx<br> Open-Property Title Issue - Provide LLC documentation for Seller - Current title holder xxxxxx supporting Arms length transaction. Per email from title company, xxxxxx will convey the property to xxxxxx. Document 24 month chain of title. - Due Diligence Vendor-xxxxxx | Ready for Review-Settlement agent/escrow cannot release LLC documents due to our privacy policy. <br> Pls. refer to page xxxxxx out of xxxxxx for the Special Warranty Deed. - Seller-xxxxxx | Resolved--Upon further review, finding is resolved - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 23% below maximum allowed 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 774913 | xxxxxx C B A | Closed | xxxxxx | 2022-08-24 11:42 | 2022-08-24 17:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - Qualifying DTI 23% below maximum allowed 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775013 | xxxxxx C B A | Closed | xxxxxx | 2022-10-12 15:33 | 2022-10-13 18:48 | Resolved | 1 - Information C A | Property | Property | Property Condition Rating Does Not Meet Program Requirements | Resolved--Upon further review, outlets that are missing coverings do not appear to reflect any exposed xxxxxx is new and it appears xxxxxx was not plugged in yet but does not seem to be a functional issue. - Due Diligence Vendor-xxxxxx <br>Open-Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - Condition rating is c4. Appraisals reflect highest and best use. Comps 1,2 and 3 are rated as C3. Appraisal interior pictures reflect uncovered outlets.\Cooking range does not appear to be functional. - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review, outlets that are missing coverings do not appear to reflect any exposed xxxxxx is new and it appears new stove was not plugged in yet but does not seem to be a functional issue. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV 80% is less than guideline maximum 90%.<br>Qualifying DTI below maximum allowed - Qualifying DTI 7.82% below maximum allowed 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775013 | xxxxxx C B A | Closed | xxxxxx | 2022-10-13 08:44 | 2022-10-13 13:55 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-FEMA disaster declaration xxxxxx (Public), declaration date xxxxxx . Prior to the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-FEMA disaster declaration xxxxxx (Public), declaration date xxxxxx . Prior to the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - LTV 80% is less than guideline maximum 90%.<br>Qualifying DTI below maximum allowed - Qualifying DTI 7.82% below maximum allowed 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775013 | xxxxxx C B A | Closed | xxxxxx | 2022-10-13 08:00 | 2022-10-17 10:01 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--DOT reflects vesting in Borrower, as a married woman - spouse joined only to sign in xxxxxx. - Due Diligence Vendor-xxxxxx <br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br> Ready for Review-THE SPOUSE IS NOT ON TITLE TO THE PROPERTY AND SHOULD NOT BE ON THE DEED. THE SPOUSE ONLY JOINED IN THE MORTGAGE BECAUSE IT IS REQUIRED BY xxxxxx HOMESTEAD LAW. THERE IS NOTHING TO CHANGE HERE. TITLE ONLY INSURED THE BORROWER, WHO'S ON THE VESTING (NOT THE SPOUSE BECAUSE SPOUSE IS NOT ON TITLE). - Seller-xxxxxx<br> Resolved--Borrower and spouse are on the Mortgage page 1, both must be on title as Proposed insured - Due Diligence Vendor-xxxxxx <br> Ready for Review-Warranty Deed only reflects the buyer, xxxxxx, as reflected/match with the purchase agreement. <br> Spouse is on the mortgage due to xxxxxx in xxxxxx. - Seller-xxxxxx <br> Open-Property Title Issue - Title and Warranty deed reflect vesting in the name of xxxxxx does not match Mortgage. Provide an updated title with correct vesting. - Due Diligence Vendor-xxxxxx | Ready for Review-THE SPOUSE IS NOT ON TITLE TO THE PROPERTY AND SHOULD NOT BE ON THE DEED. THE SPOUSE ONLY JOINED IN THE MORTGAGE BECAUSE IT IS REQUIRED BY FLORIDA HOMESTEAD LAW. THERE IS NOTHING TO CHANGE HERE. TITLE ONLY INSURED THE BORROWER, WHO'S ON THE VESTING (NOT THE SPOUSE BECAUSE SPOUSE IS NOT ON TITLE). - Seller-xxxxxx <br> Ready for Review-Warranty Deed only reflects the buyer, xxxxxx, as reflected/match with the purchase agreement. <br> Spouse is on the mortgage due to Homestead law in FL. - Seller-xxxxxx | Resolved--DOT reflects vesting in Borrower, as a married woman - spouse joined only to sign in xxxxxx - xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx<br> Resolved--Borrower and spouse are on the Mortgage page 1, both must be on title as Proposed insured - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV 80% is less than guideline maximum 90%.<br>Qualifying DTI below maximum allowed - Qualifying DTI 7.82% below maximum allowed 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775013 | xxxxxx C B A | Closed | xxxxxx | 2022-10-13 08:16 | 2022-10-14 08:20 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--Upon further review, documents/information requested in file at time of initial review - Due Diligence Vendor xxxxxx<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx <br> Ready for Review-Pls. refer to Entity Information on file upload which can be found on page xxxxxx. shows entity status as active. <br> Also pls. refer to borrower's motivation letter (LOE on file upload which can be found on page xxxxxx.) regarding the business' operation and subject property location. - Seller-xxxxxx <br> Open-Fraud Report Shows Uncleared Alerts Lender did not clear all alerts . Fraud guard report reflect status of the corporation "xxxxxx" is inactive.<br> - Employment issue and explanation that relocating xxxxxx from the borrower's employment will not impact current and future earnings. - Due Diligence Vendor-xxxxxx | Ready for Review-Pls. refer to Entity Information on file upload which can be found on page xxxxxx shows entity status as active. <br> Also pls. refer to borrower's motivation letter (LOE on file upload which can be found on page xxxxxx) regarding the business' operation and subject property location. - Seller-xxxxxx | Resolved--Upon further review, documents/information requested in file at time of initial review - Due Diligence Vendor xxxxxx <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV 80% is less than guideline maximum 90%.<br>Qualifying DTI below maximum allowed - Qualifying DTI 7.82% below maximum allowed 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775013 | xxxxxx C B A | Closed | xxxxxx | 2022-10-12 15:33 | 2022-10-13 13:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV 80% is less than guideline maximum 90%.<br>Qualifying DTI below maximum allowed - Qualifying DTI 7.82% below maximum allowed 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775013 | xxxxxx C B A | Closed | xxxxxx | 2022-10-13 08:35 | 2022-10-13 13:53 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements - xxxxxx account xxxxxx xxxxxx. statement reflect balance $129,142.17 . VOD dated xxxxxx. reflect account balance $499,649.26. Provide documentation to support significant increase in balance in comparison to prior months and average 2 months balance . if unsupported and used August statement balance. Verified reserves would be of 0.5 month(s) less than Guideline Required Reserves of 6 month(s). Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset Qualification Does Not Meet Guideline Requirements - xxxxxx account xxxxxx August statement reflect balance xxxxxx . VOD dated xxxxxx reflect account balance xxxxxx. Provide documentation to support significant increase in balance in comparison to prior months and average 2 months balance . if unsupported and used August statement balance. Verified reserves would be of 0.5 month(s) less than Guideline Required Reserves of 6 month(s). Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV 80% is less than guideline maximum 90%.<br>Qualifying DTI below maximum allowed - Qualifying DTI 7.82% below maximum allowed 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775079 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 11:28 | 2022-09-06 15:47 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--xxxxxx<br> Incident Period: xxxxxx and continuing<br> Fire Management Assistance Declaration declared on xxxxxx<br> - Public assistance only - declaration prior to Note and Appraisal, however, disaster reflects as continuing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--xxxxxx<br> Incident Period: xxxxxx and continuing<br> Fire Management Assistance Declaration declared on xxxxxx<br> - Public assistance only - declaration prior to Note and Appraisal, however, disaster reflects as continuing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 43 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 775079 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 09:45 | 2022-09-07 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved--Received Investor approval - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Pls. see attached UW Exception approved by xxxxxx FOR CO-MINGLE INCOME AND NOT HAVING 50% OWNERSHIP IN BUSINESS\*\*\* AND DTI EXCEEDING 43% FOR ASSET UTILIZATION.<br>The underwriter used W-2 INCOME AND ASSET UTILIZATION to qualify, also used RENTAL INCOME.<br>THE MONTHLY BASE INCOME IS $11,587.33 AND IS SUPPORTED BY THE YTD AND ONLINE WITH PRIOR TWO YEARS. \*\*\*\*<br>\*\*\*\*$253,541.013\*60% = $152,124.67/84 = $1,811.00\*\*\*ASSET UTILIZATION\*\*\*<br> - \*\*\*\*\*$66,262.68/84= $788.84\*\*\*\*\*\*\*ASSET UTILIZATION\*\*\*\*<br>\*\*\*\*\*\*$62,357.36\* 35% = $21,825.07 \* 60% (EXPENSE FACTOR) = $13,095.04 /12 MONTHS BBS\*\*\*\*\* - Seller-xxxxxx <br> Open--Borrower is not 50% owner of business and business bank statement documentation was used. Borrower only owns 35%. Lender Exception request in file, however, Investor exception approval is missing. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Pls. see attached UW Exception approved by Verus FOR CO-MINGLE INCOME AND NOT HAVING 50% OWNERSHIP IN BUSINESS\*\*\* AND DTI EXCEEDING 43% FOR ASSET UTILIZATION.<br>The underwriter used W-2 INCOME AND ASSET UTILIZATION to qualify, also used RENTAL INCOME.<br>THE MONTHLY BASE INCOME IS $11,587.33 AND IS SUPPORTED BY THE YTD AND ONLINE WITH PRIOR TWO YEARS. \*\*\*\*<br>\*\*\*\*$253,541.013\*60% = $152,124.67/84 = $1,811.00\*\*\*ASSET UTILIZATION\*\*\*<br> - \*\*\*\*\*$66,262.68/84= $788.84\*\*\*\*\*\*\*ASSET UTILIZATION\*\*\*\*<br>\*\*\*\*\*\*$62,357.36\* 35% = $21,825.07 \* 60% (EXPENSE FACTOR) = $13,095.04 /12 MONTHS BBS\*\*\*\*\* - Seller xxxxxx | Resolved--Received Investor approval - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 43 points above minimum required. |  | xxxxxx_EXCEPTION APPROVAL.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 775079 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 11:21 | 2022-09-06 15:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 44.52% exceeds Guideline DTI of 43% - DTI exceeds max of 43%; Lender exception request in file; missing Investor exception approval. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited DTI of 44.52% exceeds Guideline DTI of 43% - DTI exceeds max of 43%; Lender exception request in file; missing Investor exception approval. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 43 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 775135 | xxxxxx B A | Closed | xxxxxx | 2022-08-15 15:04 | 2022-08-15 18:02 | Waived | 2 - Non-Material B | Credit | Title | Satisfactory Chain of Title not Provided | Waived-Unsatisfactory Chain of Title provided - Investor waiver applied to non-material finding - Title did not provide Chain of Title, FraudGuard report page xxxxxx. lists xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived-Unsatisfactory Chain of Title provided - Investor waiver applied to non-material finding - Title did not provide Chain of Title, xxxxxx report page xxxxxx lists COT. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 47.94 months reserves are 35.94 month greater than required 12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775181 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 14:03 | 2022-09-21 07:33 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Received clear final title - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Counter--Received recorded BK documents to show BK 13 complete as of xxxxxx. Received complete BK documents to show judgment for $xxxxxx was included in BK. <br> - Missing final title to show judgment has been released. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Waiting on final title policy to support clear. (not yet completed) - Seller xxxxxx <br> Open-Property Title Issue - Provide complete title with sufficient coverage and proposed insured as on the Deed of Trust. <br> - Provide documentation to support satisfaction or release of a BK filing, case number xxxxxx. <br> - Provide evidence of satisfaction or release of a Judgement filed by xxxxxx Attornerys on xxxxxx in the amount of xxxxxx<br> - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. Waiting on final title policy to support clear. (not yet completed) - Seller xxxxxx | Resolved-Property Title Issue Resolved - Received clear final title - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 9.<br>LTV is less than guideline maximum - LTV 65% is less than guideline maximum 75%. |  | MISC_(96).pdf<br>BANKRUPTCY DOCUMENTS(1).pdf<br>chp 13 bk completion xxxxxx.pdf<br>final title xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775181 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 17:49 | 2022-09-14 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Received LOE for inquiries and the new debt has been added to DTI - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx <br>Open-- Provide executed explanation letter and documentation to support if recent inquiries on credit report resulted in new accounts: 6/28/2022 - xxxxxx. Consumer explanation letter in file is not complete and un-executed. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received LOE for inquiries and the new debt has been added to DTI - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 9.<br>LTV is less than guideline maximum - LTV 65% is less than guideline maximum 75%. |  | MISC_(87).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775181 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 16:26 | 2022-09-14 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved--Received final divorce decree- Due Diligence Vendor-xxxxxx.<br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open--Per Borrower explanation letter for cash out,. Funds from cash out being used to payoff of HELOC from Divorce. Provide complete Divorce decree, - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received LOE from borrower stating there is no Divorce and this was an error - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 9.<br>LTV is less than guideline maximum - LTV 65% is less than guideline maximum 75%. |  | MISC_(88).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775181 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 17:29 | 2022-09-14 13:47 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing benefit to Borrower form | Waived--Per guidelines, debt reduction and uncontrolled cash-out support the benefit to borrower therefore, missing form 'Benefit for Borrower' form is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Ready for Review-Loan is a cash out loan. \*Benefit is uncontrolled cash out (per guidelines) There is no worksheet to provide. - Seller-xxxxxx <br>Open-- Per guideline require the Benefit for Borrower Worksheet to ensure compliance with the benefit to borrower policy. Also, to support guideline requirement of an overall reduction in monthly obligations for the borrower. - Due Diligence Vendor-xxxxxx | Ready for Review-Loan is a cash out loan. \*Benefit is uncontrolled cash out (per guidelines) There is no worksheet to provide. - Seller-xxxxxx | Waived--Per guidelines, debt reduction and uncontrolled cash-out support the benefit to borrower therefore, missing form 'Benefit for Borrower' form is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 9.<br>LTV is less than guideline maximum - LTV 65% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 775181 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 10:29 | 2022-09-14 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved--Received LOE - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open--Documentation support Chapter 13 bankruptcy in the most recent 4 years. Guideline require signed letter of explanation from the Borrower. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received LOE - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 9.<br>LTV is less than guideline maximum - LTV 65% is less than guideline maximum 75%. |  | loe regarding BK.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775181 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 17:20 | 2022-09-06 14:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | The Final 1003 is Incomplete | Waived--Received LOE for Cash-Out, guidelines require the 1003 state purpose of Cash Out. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. xxxxxx obtains a signed LOE from the borrower for reason for cash out. - Seller-xxxxxx<br> Open- - Due Diligence Vendor-xxxxxx <br>Waived-The Final 1003 is Incomplete - Per guide require final 1003 to reflect the purpose of the cash-out LOX is infile from borrower .Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. xxxxxx obtains a signed LOE from the borrower for reason for cash out. - Seller-xxxxxx | Waived--Received LOE for Cash-Out, guidelines require the 1003 state purpose of Cash Out. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Waived-The Final 1003 is Incomplete - Per guide require final 1003 to reflect the purpose of the cash-out LOX is infile from borrower .Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 9.<br>LTV is less than guideline maximum - LTV 65% is less than guideline maximum 75%. |  | LOE cash out signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 775419 | xxxxxx D B A | Closed | xxxxxx | 2022-08-16 16:26 | 2022-08-29 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved--This finding was previously resolved on xxxxxx. Business Purpose Affidavit has been received - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Per xxxxxx, he spoke with the investor, xxxxxx , and they are okay with this being provided post-closing as a cure. (Pls. see attached email). - Seller-xxxxxx <br> Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. SEE ATTACHED BORROWER CERT OF BUSINESS PURPOSE - Seller-xxxxxx <br> Open- - Due Diligence Vendor-xxxxxx <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. xxxxxx, he spoke with the investor, xxxxxx, and they are okay with this being provided post-closing as a cure. (Pls. see attached email). - Seller-xxxxxx <br> Ready for Review-Document Uploaded. SEE ATTACHED BORROWER CERT OF BUSINESS PURPOSE - Seller-xxxxxx | Resolved--This finding was previously resolved on xxxxxx, Business Purpose Affidavit has been received - Due Diligence Vendor xxxxxx <br>Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 19.34 months reserves exceed 6 months required. |  | xxxxxx - BORROWER CERT OF BUSINESS PURPOSE.pdf<br>xxxxxx - EMAIL xxxxxx CERT OF BUSINESS PURPOSE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775419 | xxxxxx D B A | Closed | xxxxxx | 2022-08-17 09:41 | 2022-08-22 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received LOX from borrower(s) stating the current xxxxxx. is from an ADU unit with their primary residence - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Attached is the LOE re. ADU at primary residence. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. Attached is the LOE re. ADU at primary residence. - Seller-xxxxxx <br> Counter--1008 and mortgage statement for borrowers primary residence provided. Nothing within the documentation provided provides any confirmation that the borrowers primary residence has an ADU unit for sxxxxxx.. LOX from borrower in file states they own another property that is being used as a xxxxxx. Finding remains, pending clarification from borrower or documentation to support the LOX was in reference to an ADU unit for the borrowers primary residence. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Borrower's primary residence has an ADU (Accessory dwelling unit) which is being utilized for xxxxxx.. PITIA is already accounted in the DTI. See attached mortgage statement and 1008. $2891.42 (primary residence) + 2913.25 (subject property) + 741 (liability) = 6,545.67 / 14,079.93 = 46.489 DTI - Seller-xxxxxx. <br> Open--LOX in file from borrower notes ownership of an additional property used asxxxxxx. Missing evidence of PITIA to be included in DTI. (Bank statements reflect xxxxxx payments received) - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Attached is the LOE re. ADU at primary residence. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. Attached is the LOE re. ADU at primary residence. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. Borrower's primary residence has an ADU (Accessory dwelling unit) which is being utilized for xxxxxx. PITIA is already accounted in the DTI. See attached mortgage statement and 1008. $2891.42 (primary residence) + 2913.25 (subject property) + 741 (liability) = 6,545.67 / 14,079.93 = 46.489 DTI - Seller-xxxxxx | Resolved--Received LOX from borrower(s) stating the current short term rental is from an ADU unit with their primary residence - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 19.34 months reserves exceed 6 months required. |  | xxxxxx - 1008.pdf<br>xxxxxx - MORTGAGE STATEMENT SHOWS PITIA ON REO.pdf<br>xxxxxx - LOE RE. ADU AT PRIMARY RESIDENCE.pdf<br>xxxxxx - LOE RE. ADU AT PRIMARY RESIDENCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775419 | xxxxxx D B A | Closed | xxxxxx | 2022-08-17 09:45 | 2022-08-18 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 19.34 months reserves exceed 6 months required. |  | xxxxxx_CREDIT REFRESH (12).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775419 | xxxxxx D B A | Closed | xxxxxx | 2022-08-17 09:05 | 2022-08-17 16:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 19.34 months reserves exceed 6 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775419 | xxxxxx D B A | Closed | xxxxxx | 2022-08-17 09:45 | 2022-08-17 12:00 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Borrower 1 Credit Report is Partially Present. - Missing credit report for just the borrower. Report in file includes borrower combined with a non-borrowing spouse. Considered non material as audit was able to calculate borrowers debts. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Credit Report is Partially Present. - Missing credit report for just the borrower. Report in file includes borrower combined with a non-borrowing spouse. Considered non material as audit was able to calculate borrowers debts. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 19.34 months reserves exceed 6 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775447 | xxxxxx C A | Closed | xxxxxx | 2022-08-16 15:19 | 2022-08-18 22:04 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved-Hazard insurance provided showing adequate coverage and premium slightly less than application for insurance. - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Coverage Amount - Hazard Insurance is less than the Required Coverage Amount (A Replacement Cost Estimator from the Insurer was not provided) Coverage amount reflected on HOI application is insufficient to meet loan amount and RCE was not provided; missing actual policy in place at closing. File contains only an application for insurance. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Hazard insurance provided showing adequate coverage and premium slightly less than application for insurance. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 110 points above guideline minimum.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 22% below guideline max<br>LTV is less than guideline maximum - - LTV is 10% below guideline max. |  | xxxxxx - SUBJECT HAZARD INSURANCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775505 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 12:35 | 2022-09-29 14:19 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived--Missing evidence of taxes for 3 parcels of vacant land described on borrower LOX as xxxxxx. Taxes provided for a fourth parcel only, xxxxxx. Borrower has a 2% DTI with over 1.5 million in residual income. Considered non material<br> - Due Diligence Vendor-xxxxxx |  | Waived--Missing evidence of taxes for 3 parcels of vacant land described on borrower LOX as xxxxxx. Taxes provided for a fourth parcel only, xxxxxx. Borrower has a 2% DTI with over 1.5 million in residual income. Considered non material<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 2.55% DTI is less than 50% maximum.<br>Months Reserves exceed minimum required - 339.83 months reserves and 13 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775505 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 09:11 | 2022-09-23 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a xxxxxx) is not partially provided - Received documentation to support rent loss - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. xxxxxx accepted the rent loss coverage since policy states up to 12 months. - Seller-xxxxxx<br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a xxxxxx) is only Partially Provided - Missing rent loss coverage for at least 6 months of rent. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. xxxxxx accepted the rent loss coverage since policy states up to 12 months. - Seller-xxxxxx | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Received documentation to support rent loss - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 2.55% DTI is less than 50% maximum.<br>Months Reserves exceed minimum required - 339.83 months reserves and 13 months required. |  | rent loss cov xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775505 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 11:41 | 2022-09-21 19:12 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Missing verification of the existence of the business Must be independently verified through a disinterested third party within 5 calendar days of closing. Sources may include: CPA, regulatory agency, or applicable licensing bureau; or Verification of a phone and address listing using the Internet. Considered non material as Tax Preparer submitted a P & L as of xxxxxx. .Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Missing verification of the existence of the business Must be independently verified through a disinterested third party within 5 calendar days of closing. Sources may include: CPA, regulatory agency, or applicable licensing bureau; or Verification of a phone and address listing using the Internet. Considered non material as Tax Preparer submitted a P & L as ofxxxxxx .Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 2.55% DTI is less than 50% maximum.<br>Months Reserves exceed minimum required - 339.83 months reserves and 13 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775505 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 12:08 | 2022-09-21 19:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements - Missing 12-month mortgage history for primary residence xxxxxx. 7 months verified on mortgage supplement for current residence. Missing verification of prior mortgage for prior residence or evidence owned free/clear. Additional findings may apply since per guidelines, borrowers who do not have a complete 12-month housing history are subject to restrictions including financing for primary residence only. Subject transaction is for investment property. - Due Diligence Vendor-xxxxxx |  | Waived-Housing History Does Not Meet Guideline Requirements - Missing 12-month mortgage history for primary residence xxxxxx. 7 months verified on mortgage supplement for current residence. Missing verification of prior mortgage for prior residence or evidence owned free/clear. Additional findings may apply since per guidelines, borrowers who do not have a complete 12-month housing history are subject to restrictions including financing for primary residence only. Subject transaction is for investment property. Considered non material due to the 2% DTI, 330+ months in reserves and all other mtgs paid 0 x 30 x 48 months. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 2.55% DTI is less than 50% maximum.<br>Months Reserves exceed minimum required - 339.83 months reserves and 13 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775510 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 10:08 | 2022-09-12 13:25 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-Missing evidence of HOA (if applicable) for xxxxxx. Required to determine if reserves are sufficient. Minimum reserves is 12 months subject PITI(A) and 2 months for additional property. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Missing evidence of HOA (if applicable) for xxxxxx. Required to determine if reserves are sufficient. Minimum reserves is 12 months subject PITI(A) and 2 months for additional property. Borrower has a total of 32.36 months reserves post-close. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Minimum required FICO is 680, borrower mid FICO is 775<br>Months Reserves exceed minimum required - 32.36 months reserves verified and 14 months required.<br>LTV is less than guideline maximum - 60% LTV is less than 65% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775510 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 08:31 | 2022-09-12 13:20 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date is xxxxxx, finding deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date is xxxxxx, finding deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Minimum required FICO is 680, borrower mid FICO is 775<br>Months Reserves exceed minimum required - 32.36 months reserves verified and 14 months required.<br>LTV is less than guideline maximum - 60% LTV is less than 65% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775527 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-07 08:36 | 2022-09-13 11:22 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Received corrected CDA - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. See updated CDA - Seller-xxxxxx<br> Open-- Appraisal dated xxxxxx by Appraiser xxxxxx reflect appraised value xxxxxx. Desk review in file indicates 0% variance to Appraised value xxxxxx. Provide updated Desk review with correct appraised value - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See updated CDA - Seller-xxxxxx | Resolved--Received corrected CDA - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 50%.<br>Verified employment history exceeds guidelines - - Verified employment history 6 years exceeds guidelines 24 months. |  | CDA REVIEW.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775527 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 17:18 | 2022-09-23 09:12 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved--Information received from Insurer to state the dwelling coverage provided is sufficient and guaranteed up to dwelling coverage A - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. ins agent refuses to provide addtl documentation. advised replacement cost listed on policy up to xxxxxx- xxxxxx law prohibits replacement cost estimator. - Seller-xxxxxx <br> Counter--Received email communication from Insurance Co stating this issue was previously addressed and dwelling coverage is justified however, that communication and/or justification has not been provided for our review. Finding remains - Due Diligence Vendor xxxxxx <br> Ready for Review-Document Uploaded. Requested additional information regarding replacement cost on dwelling. - Seller-xxxxxx <br> Open-Coverage Amount - Hazard Insurance is less than the Required Coverage Amount (A Replacement Cost Estimator from the Insurer was not provided) Provide RCE or coverage in the amount of xxxxxx. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. ins agent refuses to provide addtl documentation. advised replacement cost listed on policy up to $xxxxxx- xxxxxx law prohibits replacement cost estimator. - Seller-xxxxxx<br> Ready for Review-Document Uploaded. Requested additional information regarding replacement cost on dwelling. - Seller-xxxxxx | Resolved--Information received from Insurer to state the dwelling coverage provided is sufficient and guaranteed up to dwelling coverage A - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 50%.<br>Verified employment history exceeds guidelines - - Verified employment history 6 years exceeds guidelines 24 months. |  | Email HOI xxxxxx.pdf<br>replacement cost.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775527 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-07 09:09 | 2022-09-23 08:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved--Received 2 years tax transcripts - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received 2 years tax transcripts - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 50%.<br>Verified employment history exceeds guidelines - - Verified employment history 6 years exceeds guidelines 24 months. |  | xxxxxx transcripts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775527 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-07 20:18 | 2022-09-13 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Note and Mtg reference xxxxxx as the City of the subject property. Appraisal, desk review, Hazard and flood insurance all reference xxxxxx as the City - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 50%.<br>Verified employment history exceeds guidelines - - Verified employment history 6 years exceeds guidelines 24 months. |  | email from title xxxxxx.pdf<br>email xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775527 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-07 20:17 | 2022-09-13 11:20 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved--Received Originator exception approval for xxxxxx. on xxxxxx.with income qualification. <br> - Borrower is qualifying with full PITI(A) payment - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx<br> Open-Appraiser states area are short term rentals. No long term lease was provided. Guides allow short term on DSCR loans. This is not a DSCR loan - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received Originator exception approval for short term rental on xxxxxx with income qualification. <br> - Borrower is qualifying with full PITI(A) payment - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 50%.<br>Verified employment history exceeds guidelines - - Verified employment history 6 years exceeds guidelines 24 months. | -Excess reserves 3+ months<br> - Employment 5 years + | exception xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775527 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-07 08:01 | 2022-09-13 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received final CD for xxxxxx. reflecting full/new PITI(A) payment - Due Diligence Vendor xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-- Provide documentation to support PITIA for recently purchased REO xxxxxx - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received final CD for 5002 reflecting full/new PITI(A) payment - Due Diligence Vendor xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 50%.<br>Verified employment history exceeds guidelines - - Verified employment history 6 years exceeds guidelines 24 months. |  | CD xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775527 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 17:18 | 2022-09-07 20:11 | Waived | 2 - Non-Material B | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Waived-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Subject Property is in Flood Zone xxxxxx but Notice of Special Flood Hazard Disclosure was not provided - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 50%.<br>Verified employment history exceeds guidelines - - Verified employment history 6 years exceeds guidelines 24 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775594 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 17:57 | 2022-10-13 10:11 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved--Certificate of Trust provided reflecting the borrower has rights to obtain property, sell and execute deeds and power to encumber deeds of trust. - Due Diligence Vendor-xxxxxx <br>Counter--Note closed under LLC, signed by Member therefore, all members to the LLC must sign the Guaranty Agreement - Due Diligence Vendor-xxxxxx <br>Ready for Review-xxxxxx advised since the spouse xxxxxx is not on the loan, so is not a guarantor. Not required to sign. - Seller-xxxxxx <br>Open-- Loan closed in the name of xxxxxx which is operated by The xxxxxx. Provide complete Trust document to support Borrower is the Trustee of the trust. <br> - Also, Guaranty agreement in file executed only by xxxxxx. However xxxxxx is a Trustee of The xxxxxx. Provide updated Guaranty executed by all parties. - Due Diligence Vendor-xxxxxx | Ready for Review-xxxxxx advised since the spouse xxxxxx is not on the loan, so is not a guarantor. Not required to sign. - Seller-xxxxxx | Resolved--Certificate of Trust provided reflecting the borrower has rights to obtain property, sell and execute deeds and power to encumber deeds of trust. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 66 exceed minimum required 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 680. |  | Trust Cert - Borrower - Executed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775594 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 19:39 | 2022-10-05 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved--Received corrected NTB and LOE from borrower - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-- Certificate of net tangible benefit reflect proceeds of new loan will be used towards "Divorce." Provide complete Divorce decree to support current and future liabilities and obligations. Also, clarify if it will impact the ownership status, - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received corrected NTB and LOE from borrower - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 66 exceed minimum required 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 680. |  | LOE xxxxxx.pdf<br>updated bus purpose xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775594 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 19:40 | 2022-09-28 08:57 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Received Final Title with correct vesting - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Property Title Issue - Title reflect vesting in the name of xxxxxx which is operated by xxxxxx Trust. xxxxxx is a Trustee of The xxxxxx Trust. However, file missing Trust document ..Also, certificate of net tangible benefit reflect proceeds of new loan will be used towards "Divorce." Provide title with correct vesting. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received Final Title with correct vesting - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 66 exceed minimum required 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 680. |  | title xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775594 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 19:12 | 2022-09-23 10:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived--Finding is deemed non-material--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-The Calculated DSCR of '0.74' is less than the minimum DSCR per lender guidelines of '0.75'. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx<br> Open-The Calculated DSCR of '0.39' is less than the minimum DSCR per lender guidelines of '0.75'. - Audit cannot determine DSCR ratio. Appraisal reflects too much conflicting information. Per Appraiser, actual rents Unit xxxxxx. However, operating income statement reflect Unit xxxxxx vacant, current rent $0 and Unit xxxxxx Month-month, total rent $4000. Audit Used $2100 as qualifying rent and DSCR 0.39%. No lease agreement provided to support current rent. Provide clarification and documentation to support current rents for both units and to meet minimum guideline requirement of 0.75%. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Waived--Finding is deemed non-material with mid FICO of 800, 58% LTV and 66.15 months post-close reserves. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 66 exceed minimum required 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 680. |  | APPRAISAL(31).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 775594 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 18:33 | 2022-09-20 10:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved--Dwelling is sufficient per xxxxxx as coverage of $xxxxxx is greater than the TECN, insurable value, of xxxxxx. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Per xxxxxx guidelines: xxxxxx uses the appraisal xxxxxx to determine 100% of the insurable value of improvements. We do not require RCE unless the borrower has insuff coverage and the agent will not increase dwelling coverage - Seller-xxxxxx<br> Counter--Documentation provided is insufficient. Provide RCE or documentation from insurer as to the insurable value of improvement. - Due Diligence Vendor xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx<br> Open-Coverage Amount - Hazard Insurance is less than the Required Coverage Amount (A Replacement Cost Estimator from the Insurer was not provided) - Guideline require Hazard insurance coverage should be in the amount of the lesser of: 100% of the insurable value of improvements, as established by the property insurer; or The unpaid principal balance of the mortgage. - Due Diligence Vendor-xxxxxx | Ready for Review-xxxxxx guidelines: xxxxxx uses the appraisal xxxxxx to determine 100% of the insurable value of improvements. We do not require RCE unless the borrower has insuff coverage and the agent will not increase dwelling coverage - Seller-xxxxxx<br> Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Dwelling is sufficient per xxxxxx as coverage of $xxxxxx is greater than the xxxxxx, insurable value, of xxxxxx. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 66 exceed minimum required 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 680. |  | UW Cert xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775594 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 22:12 | 2022-09-14 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved--Update to guidelines do not require a lease - Due Diligence Vendor-xxxxxx <br>Ready for Review-Reviewed with xxxxxx. Advised the addendum to guidelines executed 1.22 supersede the current guidelines. Based on guidelines whether month to month or annual, a lease is not required unless the current Matrix overrides it. - Seller-xxxxxx<br> Open--Subject transaction is a refinance and subject property is not leased; guidelines require an executed lease with no less than 3 months remaining. - Due Diligence Vendor-xxxxxx | Ready for Review-Reviewed with xxxxxx. Advised the addendum to guidelines executed 1.22 supersede the current guidelines. Based on guidelines whether month to month or annual, a lease is not required unless the current Matrix overrides it. - Seller-xxxxxx | Resolved--Update to guidelines do not require a lease - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 66 exceed minimum required 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 680. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775705 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 12:29 | 2022-09-13 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Received completed, signed and dated Consumer LOE - Due Diligence Vendor-xxxxxx <br>Open--Consumer explanation letter is not signed nor does it address if inquiries resulted in new credit opened. - Due Diligence Vendor-xxxxxx |  | Resolved--Received completed, signed and dated Consumer LOE - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 21% below maximum allowed 50%.<br>Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 3. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775705 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 11:13 | 2022-09-08 13:39 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines - Lender income worksheet reflect qualifying income $22,905 from xxxxxx . Income based on monthly deposit as reflected on 12 month business Bank statement with xxxxxx account xxxxxx from August xxxxxx. till July xxxxxx. However, missing July and Jun bank statement to review. Audit qualifying income based on Bank statement covering period June xxxxxx. till May xxxxxx. (98 days from the Note date). Does not meet guideline as the most recent statement dated within 90-days of the note date. However income not used to qualify and there fore considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Income and Employment Do Not Meet Guidelines - Lender income worksheet reflect qualifying income $22,905 from xxxxxx . Income based on monthly deposit as reflected on 12 month business Bank statement with xxxxxx account xxxxxx from August xxxxxx till July xxxxxx. However, missing July and Jun bank statement to review. Audit qualifying income based on Bank statement covering period June xxxxxx till Mayxxxxxx (98 days from the Note date). Does not meet guideline as the most recent statement dated within 90-days of the note date. However income not used to qualify and there fore considered non-material. Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 21% below maximum allowed 50%.<br>Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 3. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775708 | xxxxxx C B A | Closed | xxxxxx | 2022-09-16 15:56 | 2022-09-20 11:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Received investor approval. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements -24 month rental history required for non-arms length transaction. Only 12 months history was provided. Exception in file was not approved by the Investor. - Due Diligence Vendor-xxxxxx |  | Waived--Received investor approval. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -85 months exceeds required 6 months<br>LTV is less than guideline maximum - -58.56% LTV with maximum of 85%<br>Qualifying DTI below maximum allowed - - DTI of 3.21% with maximum of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 783 with minimum of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775708 | xxxxxx C B A | Closed | xxxxxx | 2022-09-16 13:17 | 2022-09-16 16:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -85 months exceeds required 6 months<br>LTV is less than guideline maximum - -58.56% LTV with maximum of 85%<br>Qualifying DTI below maximum allowed - - DTI of 3.21% with maximum of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 783 with minimum of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775736 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 15:41 | 2022-09-09 12:51 | Resolved | 1 - Information B A | Property | Missing Doc | HOA Questionnaire Document is Partially Provided | Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-xxxxxx <br> Waived-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. - Condo questionnaire to confirm if monthly lease rent $247 are included in the monthly HOA payment of $386. Considered non material due to low DTI. <br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Waived-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. - Condo questionnaire to confirm if monthly lease rent $247 are included in the monthly HOA payment of $386. Considered non material due to low DTI. <br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 728 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 178 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 775736 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 11:39 | 2022-09-09 12:39 | Resolved | 1 - Information C A | Property | Property | Property is Lease Hold | Resolved--Property is located in xxxxxx and leasehold is allowed per guidelines; lease documentation provided. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Per xxxxxx. Leaseholds is an eligible property. - Seller-xxxxxx <br> Open-Property Rights are Lease Hold - not allowed pre guidelines - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Per GL section xxxxxx Leaseholds is an eligible property. - Seller-xxxxxx | Resolved--Property is located in xxxxxx and leasehold is allowed per guidelines; lease documentation provided. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 728 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 178 exceed minimum required 6. |  | xxxxxx_RESIDENTIAL LEASEHOLD DISC - SIGNED.pdf<br>xxxxxx. ELIGIBLE PROPERTIES.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 775736 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 12:25 | 2022-09-12 09:05 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Counter--Rec'd copy of xxxxxx declarations; still missing HO-6 policy documentation. - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-HO-6 Insurance Policy is Missing - Provide insurance binder with sufficient coverage, - First payment letter reflect xxxxxx insurance and monthly premium xxxxxx. Provide complete documentation reflecting xxxxxx coverage and premium. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br> Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 728 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 178 exceed minimum required 6. |  | xxxxxx POLICY.pdf<br>xxxxxx_HO6 POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 775736 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 15:49 | 2022-09-09 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved--Complete Condo Questionnaire provided; all guideline requirements met. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open--Provide documentation to support xxxxxx is approved per guideline <br> - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Complete Condo Questionnaire provided; all guideline requirements met. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 728 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 178 exceed minimum required 6. |  | xxxxxx_CONDO QUESTIONNAIRE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 775736 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 13:44 | 2022-09-07 10:24 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing, considered non material with low DTI. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing DTI is 29%, therefore, considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 728 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 178 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775758 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 10:53 | 2022-12-20 16:30 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved- - Due Diligence Vendor-xxxxxx <br>Waived--Bank statements reflect the required information. Finding is deemed non-material. - Investor waiver applied to non-material finding- - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. please see UW email addressing your concerns - Seller-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Income based on 24 months business bank statement. Bank statements missing information on the left side of the page. Require complete and legible bank statements, VOD. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. please see UW email addressing your concerns - Seller-xxxxxx | Waived--Bank statements reflect the required information. Finding is deemed non-material. - Investor waiver applied to non-material finding- - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Verified employment history since 2015 exceeds guidelines 24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 725 is at least 20 points above minimum for program 660. |  | email xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775758 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 11:22 | 2022-09-14 13:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.04 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-Audited Reserves of 4.89 month(s) are less than Guideline Required Reserves of 6 month(s) - Funds to close verified from xxxxxx account xxxxxx dated xxxxxx. and balance $90,000. No credit given for Earnest money $2750 as check is dated xxxxxx after the June statement. No other statement provided to support July account balance or account transaction. Insufficient reserves, verified 5.05 months, less than guideline required 6 months for first time home buyer. Also, lender verified assets $95,151,51 which is statement average ledger balance and not account balance. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Audited Reserves of 7.04 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Verified employment history since 2015 exceeds guidelines 24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 725 is at least 20 points above minimum for program 660. |  | Exception xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775758 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 10:14 | 2022-09-14 13:20 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--Bank statements reflect the required information. Finding is deemed non-material. - Investor waiver applied to non-material finding- - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Please see UW email addressing your concerns - Seller-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Income based on 24 months business bank statements. However, Statement for account xxxxxx from xxxxxx. till xxxxxx.is missing information on the left side of the page, does not show Bank name and show different business address vs xxxxxx as stated on Statement datedxxxxxx... Provide VOD or statements on Bank letter head, complete, legible and with transaction details. Also, require explanation from Borrower addressing all variances and why printed statements were provided instead of the regular monthly Bank statements. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Please see UW email addressing your concerns - Seller-xxxxxx | Waived--Bank statements reflect the required information. Finding is deemed non-material. - Investor waiver applied to non-material finding- - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Verified employment history since 2015 exceeds guidelines 24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 725 is at least 20 points above minimum for program 660. |  | email xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775758 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 10:58 | 2022-09-14 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved--Upon further review, agree. Funds used for closing are from a personal account and a spouse access letter is not required. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Please see UW email regarding your concerns. - Seller-xxxxxx <br>Open-- Per guideline require a signed and dated letter from other owners of the business acknowledging the transaction and verifying the borrower's access to the account. Per CPA letter borrower is a 50% owner of the business.<br> - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Please see UW email regarding your concerns. - Seller-xxxxxx | Resolved--Upon further review, agree. Funds used for closing are from a personal account and a spouse access letter is not required. - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Verified employment history since 2015 exceeds guidelines 24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 725 is at least 20 points above minimum for program 660. |  | email xxxxxx uw.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775758 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 11:47 | 2022-09-14 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Upon further review, agree. These deposits were removed from the income calculation. Additionally, the source of deposit of $107,000 into personal account is already sourced. - Due Diligence Vendor- xxxxxx <br> Ready for Review-Document Uploaded. Please see xxxxxx. regarding your concerns - Seller- xxxxxx <br> Open-- Borrower explanation letter reflect xxxxxx are xxxxxx from xxxxxx from 2xxxxxx.. Provide proof of xxxxxx. or documentation supporting the explanation letter. This proof is required as after the receipt and deposit of xxxxxx. to business account xxxxxx. Borrower was able to transfer xxxxxx to his personal account for funds to close and reserves. - Due Diligence Vendor- xxxxxx | Ready for Review-Document Uploaded. Please see UW email regarding your concerns - Seller-xxxxxx | Resolved--Upon further review, agree. These deposits were removed from the income calculation. Additionally, the source of deposit of $107,000 into personal account is already sourced. - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Verified employment history since 2015 exceeds guidelines 24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 725 is at least 20 points above minimum for program 660. |  | email xxxxxx uw.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775758 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 09:45 | 2022-09-14 13:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-The Initial 1003 is Missing Missing initial 1003. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Verified employment history since 2015 exceeds guidelines 24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 725 is at least 20 points above minimum for program 660. |  | Initial 1003 xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775758 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 11:59 | 2022-09-14 13:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Received corrected 1003 with 2 year housing history - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-The Final 1003 is Incomplete - Provide complete 2 years residence history. Borrower at subject property from past 7 months. Former address from xxxxxx. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-The Final 1003 is Present - Received corrected 1003 with 2 year housing history - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Verified employment history since 2015 exceeds guidelines 24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 725 is at least 20 points above minimum for program 660. |  | MISC_(91).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775994 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-07 15:14 | 2022-09-14 11:38 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Received updated appraisal with comment regarding hanging wires in basement - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. See appraiser addtl comments - Seller-xxxxxx <br>Open--Subject property basement picture reflect exposed ceiling and hanging wires. A safety concern not addressed by Appraiser. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See appraiser addtl comments - Seller-xxxxxx | Resolved--Received updated appraisal with comment regarding hanging wires in basement - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 19 exceed minimum required 6.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38% below maximum allowed 50%. |  | revised appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775994 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-07 17:32 | 2022-09-23 15:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived--Waiver applied to non-material finding.- Due Diligence Vendor-xxxxxx <br> Counter--Missing Investor approval. Received Originator exception approval for Judgment with xxxxxx to remain open with no proof of repayment plan or repayments made. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Counter--(RESPONSE) Please refer to Settlement One Civil Court Search Report dated xxxxxx at 10:20 AM for xxxxxx judgment for $6033.00 Case xxxxxx - Due Diligence Vendor-xxxxxx <br> Ready for Review-The credit report lists the account as a collection. Please advise where you see this is a judgment. - Seller-xxxxxx <br> Counter--Client rebuttal: Per xxxxxxxxxxxx. Collections and charge offs. The UW left the accounts open. There were sufficient reserves to payoff the account and the account were > 2 yrs old<br> --(RESPONSE) Regarding xxxxxx Judgment, please refer to xxxxxx xxxxxx.. Judgments must be paid prior to or at closing unless the following requirements are met \*A copy of the repayment agreement is obtained \*A minimum of 2 months has elapsed on the plan and evidence of timely payments for the most recent 2 months is provided (For new installment plans, payment may be made in advance); \*And, the maximum payment required under the plan is included in the debt to income ratio - Due Diligence Vendor-xxxxxx <br> Ready for Review-To obtain final title policy to reflect liens on title paid/clear - Seller-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements - Credit report andxxxxxx Search report reflect open Judgement by xxxxxx, balance $xxxxxx and payment $232. Does not meet guideline as require a copy of the repayment agreement and a minimum of 2 months has elapsed on the plan and evidence of timely payments for t he most recent 2 months is provided (For new installment plans, payments may be made in advance). - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br> Ready for Review-The credit report lists the account as a collection. Please advise where you see this is a judgment. - Seller-xxxxxx<br> Ready for Review-To obtain final title policy to reflect liens on title paid/clear - Seller xxxxxx<br> Ready for Review-Document Uploaded. - Seller-xxxxxx | Waived--Waiver applied to non-material finding.<br> - Deemed non-material using 5% of balance into DTI. DTI still within guidelines. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 19 exceed minimum required 6.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38% below maximum allowed 50%. |  | AUDIT CONDITIONS(42).pdf<br>UW Cert xxxxxx.pdf<br>Exception xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 775994 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-07 14:18 | 2022-09-15 09:40 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Received final title which does not reflect any outstanding liens or judgments other than subject loan - Due Diligence Vendor xxxxxx <br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. See final title policy attached - Seller-xxxxxx <br> Open-Property Title Issue - Provide documentation to support Second Mortgage through xxxxxx dated xxxxxx has been paid off and closed.<br> - Credit report and Civil Court Search report reflect open Judgement by xxxxxx, balance $xxxxxx and payment $232. Title to confirm open judgement will not impact the lien position. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See final title policy attached - Seller xxxxxx | Resolved--Received final title which does not reflect any outstanding liens or judgments other than subject loan - Due Diligence Vendor xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 19 exceed minimum required 6.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38% below maximum allowed 50%. |  | final policy xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775994 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 08:45 | 2022-09-15 09:28 | Resolved | 1 - Information D A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Received final title which shows vesting in borrower name only - Due Diligence Vendor xxxxxx <br>Ready for Review-Document Uploaded. See final title policy attached - Seller-xxxxxx <br>Open-The Deed of Trust is Incomplete - Vesting on title in the name xxxxxx. Only xxxxxx signed the Deed of Trust. xxxxxx should be listed on the Deed of Trust or removed from the title. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See final title policy attached - Seller-xxxxxx | Resolved-The Deed of Trust is Present and Complete - Received final title which shows vesting in borrower name only - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - - Months Reserves 19 exceed minimum required 6.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38% below maximum allowed 50%. |  | final policy xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775994 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-07 17:45 | 2022-09-08 09:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 613 is less than Guideline FICO of 620 - Audited FICO of 613 is less than Guideline FICO of 620. Lender exception in file but not approved by the Investor. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited FICO of 613 is less than Guideline FICO of 620 - Audited FICO of 613 is less than Guideline FICO of 620. Lender exception in file but not approved by the Investor. <br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 19 exceed minimum required 6.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38% below maximum allowed 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 775994 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-07 18:13 | 2022-09-08 08:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | The Final 1003 is Incomplete | Waived-The Final 1003 is Incomplete -- Per guide require final 1003 to reflect the purpose of the cash-out . Net tangible worksheet in file but missing Borrower explanation letter for cash out. Considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-The Final 1003 is Incomplete -- Per guide require final 1003 to reflect the purpose of the cash-out . Net tangible worksheet in file but missing Borrower explanation letter for cash out. Considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 19 exceed minimum required 6.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38% below maximum allowed 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776237 | xxxxxx C B A | Closed | xxxxxx | 2022-08-26 16:00 | 2022-08-29 12:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 43.67% exceeds Guideline DTI of 43% - Qualifying DTI of 43.67% exceeds MAX DTI is 43% - Exception request and Investor approval in file - Due Diligence Vendor-xxxxxx |  | Waived-Audited DTI of 43.67% exceeds Guideline DTI of 43% - Qualifying DTI of 43.67% exceeds MAX DTI is 43% - Exception request and Investor approval in file - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV is 41% below guideline max<br>Verified employment history exceeds guidelines - - Borrower has 6 years in current employment<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO of 800 is 120 points above minimum required. | -FICO is 800<br> - LTV is 38.095% (approved at 37%)<br> - not a heavy credit user<br> - stable income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776237 | xxxxxx C B A | Closed | xxxxxx | 2022-08-25 08:36 | 2022-08-25 08:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | LTV is less than guideline maximum - - LTV is 41% below guideline max<br>Verified employment history exceeds guidelines - - Borrower has 6 years in current employment<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO of 800 is 120 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776655 | xxxxxx D B A | Closed | xxxxxx | 2022-08-21 20:22 | 2022-08-22 21:11 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - soft credit pull, considered non material with low DTI - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - soft credit pull. DTI is 44.87, therefore considered non material - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 9 mos additional reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776655 | xxxxxx D B A | Closed | xxxxxx | 2022-08-21 20:15 | 2022-08-22 20:53 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Waived-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 9 mos additional reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776655 | xxxxxx D B A | Closed | xxxxxx | 2022-08-21 20:04 | 2022-08-22 20:49 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan funded xxxxxx.. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan funded xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 9 mos additional reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776655 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 08:39 | 2022-08-31 10:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved--Received required documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx <br>Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Receipt for Homeownership Counseling Disclosure Is present, missing list of providers to verify 10 options available. - Due Diligence Vendor-xxxxxx |  | Resolved--Received required documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 9 mos additional reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776655 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 08:39 | 2022-08-22 20:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-The Home Loan Toolkit disclosure is missing. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 9 mos additional reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776655 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 08:39 | 2022-08-19 08:39 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Months Reserves exceed minimum required - 9 mos additional reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776658 | xxxxxx D B A | Closed | xxxxxx | 2022-09-07 16:02 | 2022-09-08 14:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived--Borrower and seller are included, finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-All Interested Parties Not Checked with Exclusionary Lists - Per guidelines, all individuals and companies involved in the origination, underwriting or servicing of the loan must be checked through GSA/LDP\* OFAC and xxxxxx Exclusionary list - Due Diligence Vendor-xxxxxx |  | Waived--Borrower and seller are included, finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - Reserves exceeding 31 months exceed the guideline requirement of 8 months. <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 778 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776658 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 11:50 | 2022-09-08 14:45 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived--Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Asset 1 Less Than 2 Months Verified - Missing 2 months bank statements for xxxxxx. Only 1 month provided and guidelines requires 2. - Due Diligence Vendor-xxxxxx |  | Waived--Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Reserves exceeding 31 months exceed the guideline requirement of 8 months. <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 778 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776658 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 11:11 | 2022-09-08 14:43 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Finding deemed non-material due to comp factors - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Missing pre-close soft-pull credit report - Due Diligence Vendor-xxxxxx |  | Waived--Finding deemed non-material due to DTI of 44.62% and FICO of 778. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Reserves exceeding 31 months exceed the guideline requirement of 8 months. <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 778 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776658 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 10:17 | 2022-09-07 16:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Reserves exceeding 31 months exceed the guideline requirement of 8 months. <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 778 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776658 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 10:24 | 2022-09-07 16:22 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan disbursed xxxxxx therefore finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan disbursed xxxxxx therefore finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Reserves exceeding 31 months exceed the guideline requirement of 8 months. <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 778 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776658 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 11:05 | 2022-08-25 11:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Months Reserves exceed minimum required - Reserves exceeding 31 months exceed the guideline requirement of 8 months. <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 778 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 15:47 | 2022-09-30 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Received LOE from Landlord regarding name - Due Diligence Vendor-xxxxxx <br> Counter--Received same fraud report already in file. Owner for xxxxxx, individual who completed VOR as owner is xxxxxx. Missing documentation to support xxxxxx and xxxxxx are one in the same. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - VOR in file dated xxxxxx. completed by Landlord xxxxxx for rental property address xxxxxx reflecting rental history from xxxxxx.till xxxxxx.. However Fraud guard reflect owner of property is xxxxxx. Provide canceled checks OR a Verification of Rent (VOR) supporting 1X30 in the past 12 months to meet guideline requirement.<br> 1003 reflect borrower at current residence from past 10 months and has no primary housing expense. - Due Diligence Vendor-xxxxxx |  | Resolved-Housing History Meets Guideline Requirements - Received LOE from Landlord regarding name - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 15:31 | 2022-09-30 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open--Missing GAP report, deemed material due to excessive DTI. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 17:06 | 2022-09-20 13:14 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received corrected VOE - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received corrected VOE - Due Diligence Vendor-xxxxxx <br> Counter--Received same VOE dated xxxxxx. xxxxxx. with current YTD Thru changed fromxxxxxx. to xxxxxx.to support monthly income of $11,500 however, change is not acknowledged by employer i.e., initialed. Provide letter from Employer acknowledging change to VOE - Due Diligence Vendor-xxxxxx <br> Counter--Received same written VOE in original file. Guidelines require that the monthly amount listed is supported by YTD, which is not the case. YTD through xxxxxx. support $6497.17 monthly. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Provide documentation to support lender qualifying income $11,500. VOE dated xxxxxx. support YTD $11500/1.77 =$6497.17.<br>- Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected VOE - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received corrected VOE - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 17:21 | 2022-09-20 13:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Received corrected VOE - Due Diligence Vendor-xxxxxx <br> Resolved-Audited DTI of 45.32% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-xxxxxx <br> Counter--Received same VOE dated xxxxxx. with current YTD Thru changed from xxxxxx. to xxxxxx. to support monthly income of $11,500 however, change is not acknowledged by employer i.e., initialed. Provide letter from Employer acknowledging change to VOE - Due Diligence Vendor-xxxxxx <br> Counter--Received same written VOE in original file. Guidelines require that the monthly amount listed is supported by YTD, which is not the case. YTD through xxxxxx. support $6497.17 monthly. Finding remains - Due Diligence Vendor-xxxxxx<br> Open-Audited DTI of 73.32% exceeds Guideline DTI of 49.99% - DTI of 73.32 exceeds guideline max allowable DTI of 49.99%. Written VOE in file, Section 12A, reflects $11,500 monthly. However, Section 12B shows YTD 02/23/22 earning of $11,500 for a monthly income of $6497.17. Written verification of employment requires clarification. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Audited DTI of 45.32% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 17:21 | 2022-09-20 13:12 | Resolved | 1 - Information A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.99% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-xxxxxx <br>Rescinded-Audited CLTV of 81.75% exceeds Guideline CLTV of 80% - Due Diligence Vendor-xxxxxx |  | Resolved-Audited CLTV of 79.99% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-xxxxxx<br> Rescinded-Audited CLTV of 81.75% exceeds Guideline CLTV of 80% - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 17:21 | 2022-09-20 13:12 | Resolved | 1 - Information A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 79.99% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-xxxxxx <br>Rescinded-Audited HLTV of 81.75% exceeds Guideline HCLTV of 80% - Due Diligence Vendor-xxxxxx |  | Resolved-Audited HLTV of 79.99% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-xxxxxx <br>Rescinded-Audited HLTV of 81.75% exceeds Guideline HCLTV of 80% - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 17:21 | 2022-09-20 13:12 | Resolved | 1 - Information A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 79.99% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-xxxxxx <br>Rescinded- - Due Diligence Vendor-xxxxxx <br>Waived-- Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material with comp factors. - Due Diligence Vendor-xxxxxx <br>Open-Audited LTV of 81.75% exceeds Guideline LTV of 80% - LTV of 81.75% exceeds guideline allowable of 80%. UCDP and CDA reflects a value of xxxxxx vs appraisal with a value of xxxxxx Appears there is an additional appraisal with the lower appraised value. - Due Diligence Vendor-xxxxxx |  | Resolved-Audited LTV of 79.99% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-xxxxxx <br>Waived-- Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 15:54 | 2022-09-08 18:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived--Investor waiver applied to non-material finding - Deemed non-material as borrower and LO were checked - Due Diligence Vendor-xxxxxx <br> Counter--Documentation provided is insufficient. Missing OFAC/GSA/LDP for all companies and/or individuals involved in the origination, underwriting and servicing of the mortgage transaction. - Due Diligence Vendor-xxxxxx <br> Open-All Interested Parties Not Checked with Exclusionary Lists - OFAC/GSA/LDP checked for Borrower and Loan office. Guidelines require all companies and/or individuals involved in the origination, underwriting, or servicing of the mortgage transaction are run and cleared through OFAC/GSA/LDP. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material as borrower and LO were checked - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 15:54 | 2022-09-08 18:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived--Investor waiver applied to non-material finding - Deemed non-material and borrower and LO were run - Due Diligence Vendor-xxxxxx <br> Open-OFAC Check Not Completed and/or Cleared - OFAC/GSA/LDP checked for Borrower and Loan office. Guidelines require all companies and/or individuals involved in the origination, underwriting, or servicing of the mortgage transaction are run and cleared through OFAC/GSA/LDP. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material and borrower and LO were run - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 15:54 | 2022-08-31 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Written and verbal VOE in file clear alert - Due Diligence Vendor-xxxxxx <br>Open-Fraud Report Shows Uncleared Alerts - Fraud report reflect Borrower is not self-employed and employer phone number is a cell phone. Provide documentation used to address variance. - Due Diligence Vendor-xxxxxx |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Written and verbal VOE in file clear alert - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 16:50 | 2022-08-23 15:31 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Subject property located in xxxxxx . HOI Effective date xxxxxx matches disbursement date on CD, Therefore considered non-material.--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Subject property located in xxxxxx . HOI Effective date xxxxxx matches disbursement date on CD, Therefore considered non-material.--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776659 | xxxxxx D B A | Closed | xxxxxx | 2022-08-18 12:15 | 2022-08-31 10:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Client provided SPL dated xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-Missing Service Provider List, tolerance fees are unable to be tested due to the missing document. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided SPL dated xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 746 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776660 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 08:51 | 2022-08-30 14:40 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--Investor waiver request applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Public assistance available for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver request applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 778 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776660 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 11:12 | 2022-08-29 15:36 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open--Deemed non-material has borrower has strong credit profile with high FICO and low credit line usage. - Due Diligence Vendor-xxxxxx <br> Open--Deemed material due to DTI almost at maximum allowed. - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - soft pull required per guides - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 778 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776660 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 16:43 | 2022-08-24 17:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 7 month(s) - Borrower did not make minimum contribution of 10% rendering gift funds ineligible for reserves. 75k of borrowers own funds required. xxxxxx account has 13k, (18k wire excluded due to unknown source) with cleared deposit 22.950. Borrower short 39, 210.01 of own funds. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 7 month(s) - Borrower did not make minimum contribution of 10% rendering gift funds ineligible for reserves. Short 6 months reserves for subject and 1 month P&I reserves for primary. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 10 points > minimum required / Compensating Factor 2 - Employed at same job > 2 years<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 778 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776660 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 09:50 | 2022-08-23 09:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 778 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776660 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 10:42 | 2022-08-19 17:39 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements -$169,000 gift funds were wired to title on xxxxxx. or after xxxxxx disbursement date. Funds for closing are short without these funds. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset Qualification Does Not Meet Guideline Requirements -$169,000 gift funds were wired to title on xxxxxx or after xxxxxx disbursement date. Funds for closing are short without these funds. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 778 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776661 | xxxxxx C B | Closed | xxxxxx | 2022-08-19 12:11 | 2022-08-30 14:42 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--Investor waiver requested for non-material finding - Due Diligence Vendor-xxxxxx <br>Waived-xxxxxx-Public assistance for xxxxxx-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver requested for non-material finding - Due Diligence Vendor-xxxxxx <br>Waived-xxxxxx-Public assistance for xxxxxx-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI is 20% below max allowed.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>Months Reserves exceed minimum required - 5 additional months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776661 | xxxxxx C B | Closed | xxxxxx | 2022-08-19 11:25 | 2022-10-05 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-- SSN verification provided. - Due Diligence Vendor-xxxxxx<br> Open-Fraud Report Shows Uncleared Alerts - Proof of SSN not provided. - Due Diligence Vendor-xxxxxx |  | Resolved-- SSN verification provided. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI is 20% below max allowed.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>Months Reserves exceed minimum required - 5 additional months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776661 | xxxxxx C B | Closed | xxxxxx | 2022-08-19 12:07 | 2022-09-15 10:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited FICO of 647 is less than Guideline FICO of 660 - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI is 20% below max allowed.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>Months Reserves exceed minimum required - 5 additional months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776661 | xxxxxx C B | Closed | xxxxxx | 2022-08-19 12:01 | 2022-08-23 12:59 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements - Lender required a gift funds escrow wire receipt to be provided as a prior to funding condition . Guides only required the letter, therefore, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset Qualification Does Not Meet Guideline Requirements - Lender required a gift funds escrow wire receipt to be provided as a prior to funding condition . Guides only required the letter, therefore, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI is 20% below max allowed.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>Months Reserves exceed minimum required - 5 additional months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776661 | xxxxxx C B | Closed | xxxxxx | 2022-08-19 11:22 | 2022-08-23 12:57 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Low DTI, considered non material-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - soft pull-29% DTI , therefore, considered non material-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI is 20% below max allowed.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>Months Reserves exceed minimum required - 5 additional months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776661 | xxxxxx C B | Closed | xxxxxx | 2022-08-18 13:30 | 2022-08-18 15:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - - DTI is 20% below max allowed.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>Months Reserves exceed minimum required - 5 additional months reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776665 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 12:57 | 2022-08-29 15:57 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Soft pull credit - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 733 FICO exceeds the 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776665 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 12:37 | 2022-08-22 12:53 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date per CD is xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date per CD is xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 733 FICO exceeds the 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776667 | xxxxxx C B A | Closed | xxxxxx | 2022-08-22 14:38 | 2022-08-31 12:11 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx <br> Open-OFAC Check Not Completed and/or Cleared - OFAC not cleared for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 779 fico<br>Months Reserves exceed minimum required - 11 months additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776667 | xxxxxx C B A | Closed | xxxxxx | 2022-08-22 14:34 | 2022-08-22 21:59 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - soft pull credit, Low DTI, therefore, considered non material - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - soft pull credit, 32% DTI, therefore, considered non material - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 779 fico<br>Months Reserves exceed minimum required - 11 months additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776667 | xxxxxx C B A | Closed | xxxxxx | 2022-08-19 07:49 | 2022-10-06 10:52 | Resolved | 1 - Information A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Client provided SPL dated xxxxxx. - Due Diligence Vendor-xxxxxx <br> Waived--Investor waiver applied to non-material finding- - Due Diligence Vendo xxxxxx<br> Open-This loan failed the written list of service providers disclosure date test. Initial 1003 is dated xxxxxx by borrower and xxxxxx by originator. Homeownership Counseling List and Tookit are dated xxxxxx. Service provider disclosure is dated xxxxxx. Disclosure was not delivered within 3 days of the initial application. - Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided SPL dated xxxxxx. - Due Diligence Vendor-xxxxxx <br>Waived--Investor waiver applied to non-material finding- - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 779 fico<br>Months Reserves exceed minimum required - 11 months additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776667 | xxxxxx C B A | Closed | xxxxxx | 2022-08-19 07:49 | 2022-10-06 10:44 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx <br> Counter--Client rebuttal: Since Loan originator's signed date is xxxxxx on initial 1003, date issued on Initial LE is xxxxxx. Please get this condition waived. -(Response) Loan Originator's signed date is not an indication of Application date. Borrower signed on xxxxxx therefore all initial disclosures, Including LE must be dated/provided within 3 days of xxxxxx. Finding remains. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the initial loan estimate delivery date test. Initial LE delivered more than 3 business days from application. Initial 1003 is dated xxxxxx by borrower and xxxxxx by the originator. ToolKit and HomeOwnership Counseling List is dated xxxxxx. Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial LE: xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 779 fico<br>Months Reserves exceed minimum required - 11 months additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776667 | xxxxxx C B A | Closed | xxxxxx | 2022-08-19 07:31 | 2022-08-19 10:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 779 fico<br>Months Reserves exceed minimum required - 11 months additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776675 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 10:51 | 2022-09-08 19:41 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Waived--Investor waiver applied to non-material finding - Deemed non-material as borrower waived appraisal contingency on purchase contract. - Due Diligence Vendor-xxxxxx <br> Open-Missing borrower LOX that purchase price of $xxxxxx exceeds appraised value of xxxxxx, - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material as borrower waived appraisal contingency on purchase contract. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.45% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776675 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 10:56 | 2022-09-08 19:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Audited Reserves of 3.01 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material as DTI is over 7% below max, credit utilization of 5% and residual income of $6,330. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.45% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776675 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 10:44 | 2022-09-06 16:57 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Asset Record 1 Does Not Meet G/L Requirements - VOD for xxxxxx is balance confirmation only and does not provide a 2-months history as required per guidelines.<br> - Downgraded to non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset Record 1 Does Not Meet G/L Requirements - VOD for xxxxxx is balance confirmation only and does not provide a 2-months history as required per guidelines.<br> - Downgraded to non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.45% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776675 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 16:55 | 2022-09-06 16:55 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Down grade to non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Down grade to non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.45% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776675 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 10:31 | 2022-09-06 16:53 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. - Down grade to non-material due to comp factors - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report.<br> - Down grade to non-material due to;<br> - DTI 42.46% w/ max 49.99%<br> - Credit line usage .058<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.45% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776682 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 10:07 | 2022-08-31 13:16 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Received corrected appraisal - Due Diligence Vendor-xxxxxx <br>Open-- Appraisal verbiage indicate property located in a PUD but no neighborhood name provided. Also, appraiser noted lease was month to month and the amount of lease was incorrect. Lender had also requested this to be corrected. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected appraisal - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 50% is less than guideline maximum 65%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 784 is at least 20 points above minimum for program 680 and 720 for escrow waived. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776682 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 09:34 | 2022-09-09 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-xxxxxx <br>Counter--Received OFAC. Missing exclusionary list for all companies and individuals involved in this transaction. - Due Diligence Vendor-xxxxxx <br>Open-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. - Due Diligence Vendor-xxxxxx |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 50% is less than guideline maximum 65%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 784 is at least 20 points above minimum for program 680 and 720 for escrow waived. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776682 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 09:34 | 2022-09-09 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. - Due Diligence Vendor-xxxxxx |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 50% is less than guideline maximum 65%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 784 is at least 20 points above minimum for program 680 and 720 for escrow waived. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776682 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 09:09 | 2022-08-31 13:06 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived--Inquiries are related to Originator. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx <br> Open--Provide executed explanation letter and documentation to support if recent inquiries on credit report resulted in new accounts: xxxxxx xxxxxx. and xxxxxx xxxxxx.. - Due Diligence Vendor-xxxxxx |  | Waived--Inquiries are related to Originator. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | LTV is less than guideline maximum - - LTV 50% is less than guideline maximum 65%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 784 is at least 20 points above minimum for program 680 and 720 for escrow waived. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776682 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 08:25 | 2022-08-30 14:50 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-xxxxxx report reflects COT. - Due Diligence Vendor-xxxxxx <br> Open-Property Title Issue - Provide complete title with proposed insured amount, date property acquired and 24 month chain of history. - Due Diligence Vendor-xxxxxx |  | Resolved--Loan Safe report reflects COT. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 50% is less than guideline maximum 65%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 784 is at least 20 points above minimum for program 680 and 720 for escrow waived. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776682 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 08:16 | 2022-08-30 14:48 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 50% is less than guideline maximum 65%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 784 is at least 20 points above minimum for program 680 and 720 for escrow waived. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776682 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 09:06 | 2022-08-29 15:46 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - soft pull - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 50% is less than guideline maximum 65%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 784 is at least 20 points above minimum for program 680 and 720 for escrow waived. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776685 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 10:25 | 2022-10-11 08:24 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved--Received corrected Appraisal indicating ARMS Length and LOE from borrower stating there is no relationship with sellers - Due Diligence Vendor-xxxxxx <br>Resolved-Transaction meets Arm's Length requirements. - Due Diligence Vendor-xxxxxx<br> Counter--Received documentation already reviewed in file, and the relationship is already understood. Missing LOE. Guidelines require a reasonable explanation of the transaction be provided. - Due Diligence Vendor-xxxxxx <br>Open-Non-Arm's Length Transactions Not Allowed for Program - Reasonable explanation of the non-arm's length transaction is required and was not found in the file. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected Appraisal indicating ARMS Length and LOE from borrower stating there is no relationship with sellers - Due Diligence Vendor-xxxxxx <br>Resolved-Transaction meets Arm's Length requirements. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 53 points above minimum required.<br>Months Reserves exceed minimum required - - Verified an additional 11 months reserves above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776685 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 10:00 | 2022-09-09 14:08 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx <br>Open-Unsatisfactory Chain of Title provided - Chain of Title covering past 24 months not provided. - Due Diligence Vendor-xxxxxx |  | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 53 points above minimum required.<br>Months Reserves exceed minimum required - - Verified an additional 11 months reserves above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776685 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 10:53 | 2022-08-31 15:19 | Waived | 2 - Non-Material B | Credit | Assets | Asset 2 Less Than 2 Months Verified | Waived-Asset 2 Less Than 2 Months Verified - missing two months statements for xxxxxx and xxxxxx, as required by guidelines. 1 month is in file, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 2 Less Than 2 Months Verified - missing two months statements for #xxxxxx and #xxxxxx, as required by guidelines. 1 month is in file, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 53 points above minimum required.<br>Months Reserves exceed minimum required - - Verified an additional 11 months reserves above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776685 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 10:46 | 2022-08-31 15:16 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Soft-pull Credit or both borrowers. Low DTI, considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Soft-pull Credit or both borrowers. DTI is 4.45% with 11 months additional reserves. Considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 53 points above minimum required.<br>Months Reserves exceed minimum required - - Verified an additional 11 months reserves above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776688 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 09:44 | 2022-09-15 12:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--xxxxxx. is a common name, appraisal states this is an Arms length sale - Due Diligence Vendor-xxxxxx <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx <br> Open-Fraud Report Shows Uncleared Alerts - Fraud report reflect Buyer and Seller share the same last name. Request LOE from borrower. Provide LOE or documentation to support arm length transaction - Due Diligence Vendor-xxxxxx |  | Resolved--xxxxxx is a common name, appraisal states this is an Arms length sale - Due Diligence Vendor-xxxxxx <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 729 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776688 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 09:16 | 2022-09-15 12:07 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received required documentation - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Guideline require Business phone number must be verifiable via xxxxxx. orxxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received required documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 729 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776688 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 08:39 | 2022-09-08 19:37 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Note date xxxxxx. Per CD disbursement date xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 729 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776688 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 09:44 | 2022-09-08 14:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 729 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776688 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 09:44 | 2022-09-08 14:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 729 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776688 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 10:07 | 2022-09-08 14:56 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Asset 1 Less Than 2 Months Verified - Guideline require a VOD (with 2-months history) or 2 months bank statements. Received xxxxxx xxxxxxx March statement and transaction history from xxxxxx. till xxxxxx.. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 729 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776688 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 08:53 | 2022-09-08 14:55 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open--Missing pre-close soft pull report - Due Diligence Vendor-xxxxxx |  | Waived--Finding is deemed non-material due to DTI of 44.61 and 729 FICO. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 729 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776688 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 07:44 | 2022-08-26 12:22 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 729 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776689 | xxxxxx C B A | Closed | xxxxxx | 2022-09-09 14:35 | 2022-10-07 12:59 | Resolved | 1 - Information A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Received Condo questionnaire - Due Diligence Vendor-xxxxxx <br>Open--NEW - Missing Condo Questionnaire - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Received Condo questionnaire - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 43.22% with maximum of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 793 with minimum required of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776689 | xxxxxx C B A | Closed | xxxxxx | 2022-08-31 16:13 | 2022-09-09 14:35 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received CDA - Due Diligence Vendor-xxxxxx <br>Open--desk review required per guides - Due Diligence Vendor-xxxxxx |  | Resolved--Received CDA - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 43.22% with maximum of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 793 with minimum required of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776689 | xxxxxx C B A | Closed | xxxxxx | 2022-08-31 13:53 | 2022-09-09 14:36 | Resolved | 1 - Information A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Rescinded-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Rescinded-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 43.22% with maximum of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 793 with minimum required of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776689 | xxxxxx C B A | Closed | xxxxxx | 2022-08-31 17:03 | 2022-09-09 14:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue - Provide title with coverage amount and proposed insured information as on the Deed of Trust. - Due Diligence Vendor-xxxxxx |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 43.22% with maximum of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 793 with minimum required of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776689 | xxxxxx C B A | Closed | xxxxxx | 2022-08-31 15:09 | 2022-09-01 10:00 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing Soft - considered non material - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing Soft-pull credit report. 43% DTI, considered non material - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 43.22% with maximum of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 793 with minimum required of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776689 | xxxxxx C B A | Closed | xxxxxx | 2022-08-31 15:12 | 2022-09-01 09:30 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 43.22% with maximum of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 793 with minimum required of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776689 | xxxxxx C B A | Closed | xxxxxx | 2022-08-31 15:12 | 2022-09-01 09:30 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 43.22% with maximum of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 793 with minimum required of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776689 | xxxxxx C B A | Closed | xxxxxx | 2022-08-31 14:15 | 2022-09-01 09:26 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Subject located in xxxxxx. Disbursement date xxxxxx per CD. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Subject located in xxxxxx. Disbursement date xxxxxx per CD. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 43.22% with maximum of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 793 with minimum required of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776691 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 11:27 | 2022-09-09 13:21 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-Disaster xxxxxx. xxxxxx after appraised date of xxxxxx, Public Assistance. Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Disaster xxxxxx. xxxxxx after appraised date of xxxxxx, Public Assistance. Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Borrower mid FICO is 797 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776691 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 10:03 | 2022-09-26 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved--Received corrected 1003 showing rent in the amount of $800 - Due Diligence Vendor-xxxxxx<br> Counter--Received VOR which reflects an 'Amount of Rent' of $800, initial and final 1003 show monthly rent of $3200. Provide LOE for discrepancy - Due Diligence Vendor-xxxxxx<br>Open--Missing VOR for current residence xxxxxx reflecting 0x30x12 - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected 1003 showing rent in the amount of $800 - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Borrower mid FICO is 797 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776691 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 10:35 | 2022-09-12 21:16 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived--Waiver provided to non-material finding - Deemed non-material - Due Diligence Vendor-xxxxxx <br> Open-Asset 1 Less Than 2 Months Verified Guides require two months bank statements, only one month provided for all accounts. Borrower is short assets for required reserves - Due Diligence Vendor-xxxxxx |  | Waived--Waiver provided to non-material finding<br> - Deemed non-material - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Borrower mid FICO is 797 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776691 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 11:09 | 2022-09-09 15:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Audited Reserves of 3.44 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Borrower mid FICO is 797 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776691 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 10:02 | 2022-09-09 13:20 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Finding deemed non-material with compensating factors. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Finding deemed non-material with a DTI of 40.89%, LTV of 63.75% and mid FICO of 797. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Borrower mid FICO is 797 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776692 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 15:13 | 2022-10-06 14:41 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived--Investor waiver applied to non-material findiing - Due Diligence Vendor-xxxxxx<br> Counter--Vacate letter provided for prior tenant on unit the borrower will be residing in. Content coverage missing from HOI deemed non-material. - Due Diligence Vendor-xxxxxx <br>Counter--Response: We provided both rental policy and property insurance. The property is xxxxxx units, the borrower lives in xxxxxx unit, and rents out the other. Audit Response: HOI in file reflect now owner coverage with content coverage and is a rental policy. 1 page updated insurance form reflect dwelling coverage amount but does not address the HOI policy reflecting as a rental policy for both units. Finding remains. - Due Diligence Vendor-xxxxxx<br> Counter--Document provided does not address original finding. Subject loan closed as a Primary Residence, Hazard Insurance Policy in file and provided is a Landlord policy. This creates an occupancy issue. Policy provided is not acceptable. - Due Diligence Vendor-xxxxxx <br>Counter--Received same hazard policy already in file, issue not addressed. Policy provided is landlord/rental insurance for both (2 unit) tenant occupied units and contains no personal property coverage. Subject property is purchased as a Primary residence with 1 rental unit. - Due Diligence Vendor-xxxxxx<br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Policy provided is landlord/rental insurance for both (2 unit) tenant occupied units and contains no personal property coverage. Subject property is purchased as a Primary residence with xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material findiing - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67.01% is 12.99% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 741 is81 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776692 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 17:25 | 2022-10-04 13:24 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved--Received new lease and vacate letter - Due Diligence Vendor-xxxxxx<br> Counter--Received executed Lease dated xxxxxx which is post close, unable to use to offset Mortgage. Per the Appraisal both units were rented at time of closing. Neither existing leases were provided, nor were Letters to Vacate provided, both leases have an End date of xxxxxx.. Loan closed as Primary residence which does not appear to be supported. - Due Diligence Vendor-xxxxxx <br> Open--Received post 1003 which does not address the issue in the original Finding. - LOE in file states that this will be a primary residence. CD shows transfer of both security deposits and prorated rental income from xxxxxx. for both xxxxxx. Appraiser states lease agreements for xxxxxx are from xxxxxx. to xxxxxx.for $2600 and $3150 respectively. Purchase agreement does not contain any stipulation of either tenant vacating the property to allow borrower to meet signed Occupancy Statement to occupy as their primary residence with in 60 days of the note date. - Due Diligence Vendor-xxxxxx<br> Open--LOE in file states that this will be a primary residence. CD shows transfer of both security deposits and prorated rental income from xxxxxx. for both xxxxxx. Appraiser states lease agreements for xxxxxx are from xxxxxx. to xxxxxx. for $2600 and $3150 respectively. Purchase agreement does not contain any stipulation of either tenant vacating the property to allow borrower to meet signed Occupancy Statement to occupy as their primary residence with in 60 days of the note date. - Due Diligence Vendor-xxxxxx |  | Resolved--Received new lease and vacate letter - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67.01% is 12.99% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 741 is81 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776692 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 15:58 | 2022-10-04 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved--Received new lease and vacate letter - Due Diligence Vendor-xxxxxx <br> Counter--Response: We provided both rental policy and property insurance. The property is 2 units, the borrower lives in 1 unit, and rents out the other. <br> Audit Response: HOI in file reflect now owner coverage with content coverage and is a rental policy. 1 page updated insurance form reflect dwelling coverage amount but does not address the HOI policy reflecting as a rental policy for both units. Finding remains. - Due Diligence Vendor-xxxxxx <br> Counter--Received executed Lease dated xxxxxx. which is post close, unable to use to offset Mortgage. Per the Appraisal both units were rented at time of closing. Neither existing leases were provided, nor were Letters to Vacate provided, both leases have an End date of 2023. Loan closed as Primary residence which does not appear to be supported. - Due Diligence Vendor-xxxxxx <br> Counter--Received Occupancy Statement which does not address the original Finding. Provide copy of lease from retained unit B from subject property to provide offset to PITI or $2600\*75= $1950 (supported by 1025 in file). Required per 10.9.2 of guidelines. Offset is required to debt ratio. - Due Diligence Vendor xxxxxx<br> Open-- Provide copy of lease from retained unit B from subject property to provide offset to PITI or $2600\*75= $1950 (supported by 1025 in file). Required per 10.9.2 of guidelines. Offset is required to debt ratio. - Due Diligence Vendor-xxxxxx |  | Resolved--Received new lease and vacate letter - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67.01% is 12.99% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 741 is81 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776692 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 15:32 | 2022-09-08 19:28 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding <br> - Deemed non-material, $10,251 residual, 741 FICO and LTV 13% below maximum. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67.01% is 12.99% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 741 is81 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776692 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 17:28 | 2022-09-08 19:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 5.43 month(s) are less than Guideline Required Reserves of 7 month(s) - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material, $10,251 residual, 741 FICO and LTV 13% below maximum. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67.01% is 12.99% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 741 is81 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776692 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 13:30 | 2022-09-08 08:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67.01% is 12.99% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 741 is81 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776692 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 15:33 | 2022-09-08 07:59 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Down grade to non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Down grade to non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67.01% is 12.99% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 741 is81 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776692 | xxxxxx D B A | Closed | xxxxxx | 2022-08-29 11:59 | 2022-08-29 16:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67.01% is 12.99% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 741 is81 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776696 | xxxxxx B A | Closed | xxxxxx | 2022-08-31 16:02 | 2022-09-01 12:28 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - soft pull credit report, Considered non material with compensating factors. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - soft pull credit report, Considered non material due to 43% DTI. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 43.90% is 6.09% less than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776696 | xxxxxx B A | Closed | xxxxxx | 2022-08-29 08:51 | 2022-08-29 15:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - - DTI 43.90% is 6.09% less than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776698 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 08:09 | 2022-09-23 13:41 | Waived | 2 - Non-Material A B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-Asset 1 Verified Sufficiently - File contains only 1 month bank statement for xxxxxx account xxxxxx. Two months are required per guides. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 748 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - the borrower has 8 months reserves with the guideline requires 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776698 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 08:09 | 2022-09-23 13:39 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Supporting gift documentation provided - Due Diligence Vendor-xxxxxx<br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor xxxxxx<br> Open-Asset Qualification Does Not Meet Guideline Requirements - missing evidence of the source or receipt of the gift funds from the borrower's sister. - Due Diligence Vendor-xxxxxx |  | Resolved--Supporting gift documentation provided - Due Diligence Vendor-xxxxxx <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 748 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - the borrower has 8 months reserves with the guideline requires 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776698 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-07 16:29 | 2022-09-23 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-xxxxxx <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - missing Verbal VOE for B2 from xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 748 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - the borrower has 8 months reserves with the guideline requires 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776698 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 07:53 | 2022-09-09 10:22 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - no soft pull located for either borrower. Downgraded to non-material due compensating factors - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - no soft pull located for either borrower. Downgraded to non-material due to;<br> - DTI 40.94% w/ max 49.99%<br> - FICO 748 w/ min 700<br> - Reserves 2.31 months after required 6 months<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 748 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - the borrower has 8 months reserves with the guideline requires 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776698 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 07:55 | 2022-09-09 10:13 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 748 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - the borrower has 8 months reserves with the guideline requires 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776698 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-07 16:09 | 2022-09-09 10:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - missing contract extension or addendum. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - missing contract extension or addendum.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 748 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - the borrower has 8 months reserves with the guideline requires 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776698 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-30 15:31 | 2022-09-23 13:32 | Resolved | 1 - Information C A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date Arm Program disclosure dated xxxxxx. Missing initial ARM disclosure within original loan file.<br> Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 748 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - the borrower has 8 months reserves with the guideline requires 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776700 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 14:14 | 2022-09-09 12:52 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Named Insured matches Borrower(s) Name(s) - Received HOI with Borrower name - Due Diligence Vendor-xxxxxx<br> Open-Named Insured does not match Borrower(s) Name(s) - Borrower name not found on HOI policy or RCE. - Due Diligence Vendor-xxxxxx |  | Resolved-Named Insured matches Borrower(s) Name(s) - Received HOI with Borrower name - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 11 months reserves above minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776700 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 14:32 | 2022-08-31 16:19 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - soft-pull credit report , considered non material due to compensating factors. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - soft-pull credit report , considered non material due to 780 fico. 11.6 additional reserves, and min credit usage. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 11 months reserves above minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776700 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 14:40 | 2022-08-31 15:37 | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Less Than 2 Months Verified | Waived-Asset 3 Less Than 2 Months Verified - less than 2 months verified for xxxxxx. as required by guidelines. 1 month in file. <br> Investor waiver applied to non-material finding. <br> - Due Diligence Vendor-xxxxxx |  | Waived-Asset 3 Less Than 2 Months Verified - less than 2 months verified for xxxxxx as required by guidelines. 1 month in file. <br> Investor waiver applied to non-material finding. <br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 11 months reserves above minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776700 | xxxxxx C B A | Closed | xxxxxx | 2022-08-25 09:41 | 2022-08-29 08:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-The Home Loan Toolkit disclosure is missing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 11 months reserves above minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776701 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 10:13 | 2022-12-20 17:06 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Resolved- - Due Diligence Vendor-xxxxxx<br> Waived--Investor waiver applied to non-material finding<br> - Deemed non-material as borrower as a 12 year on time rent history, less than 10% credit utilization, FICO of 791 and 29 months reserves. - Due Diligence Vendor xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors -53.83% qualifying DTI exceeds 49.99% maximum. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Waived--Investor waiver applied to non-material finding<br> - Deemed non-material as borrower as a 12 year on time rent history, less than 10% credit utilization, FICO of 791 and 29 months reserves. - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 29.08 months reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776701 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 10:37 | 2022-09-12 15:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 53.83% exceeds Guideline DTI of 49.99% -53.83% qualifying DTI exceeds 49.99% maximum. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 29.08 months reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776701 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 08:48 | 2022-09-08 19:31 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Deemed non-material as borrower with compensating factors. - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Deemed non-material as borrower as a 12 year on time rent history, less than 10% credit utilization, FICO of 791. $7444 residual and 29 months reserves. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 29.08 months reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776701 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 10:07 | 2022-09-06 17:28 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified Missing additional months bank statement for xxxxxx xxxxxx and xxxxxx #5690. Only 1 month provided and 2 months required.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified Missing additional months bank statement for xxxxxx and xxxxxx. Only 1 month provided and 2 months required.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 29.08 months reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776701 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 09:56 | 2022-09-06 17:27 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Down grade to non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Down grade to non-material<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 29.08 months reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776701 | xxxxxx D B A | Closed | xxxxxx | 2022-09-02 09:45 | 2022-09-06 17:17 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx on final CD - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx on final CD <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 29.08 months reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776701 | xxxxxx D B A | Closed | xxxxxx | 2022-09-15 14:48 | 2022-10-05 10:54 | Resolved | 1 - Information A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-Client provided PCCD xxxxxx with interest only payments matching executed note. - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Please see attached Note which shows 1st payment as xxxxxx and last payment as xxxxxx. It means that term for this loan is 360 mo<br> -(AUDIT RESPONSE) - Received Note which does not address original Finding. Note is Interest Only, final CD dated xxxxxx Page 1, Projected Payments reflects "only interest". Post-Close CD provided dated xxxxxx, Projected Payments does NOT reflect "only interest", therefore a new Post-Close CD needs to be provided with this correction. - Due Diligence Vendor-xxxxxx <br> Open-Client provided same Post Close CD that was previously provided. This does not reflect the terms of the executed note in file which is interest only. - Due Diligence Vendor-xxxxxx <br> Open-NEW<br> Client provided post close CD with no interest only term. Note in file includes interest only. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided PCCD xxxxxx with interest only payments matching executed note. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 29.08 months reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776701 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 14:10 | 2022-09-15 14:47 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Client provided PCCD. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $500.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Escrow Pad fee increased from $0 on the initial LE: xxxxxx to $500.00 on the final CD: xxxxxx. Please provide a valid change of circumstance for the $500.00 increase or evidence of refund in the amount $500.00 no later than 60 calendar days after consummation date of xxxxxx.<br> Statute of Limitations - Three years<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided PCCD. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 29.08 months reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776701 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 14:08 | 2022-09-15 14:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Client provided seller CD. - Due Diligence Vendor-xxxxxx <br>Open-Missing Seller closing disclosure.<br> Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided seller CD. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 791 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 29.08 months reserves exceed 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776703 | xxxxxx B A | Closed | xxxxxx | 2022-09-01 12:46 | 2022-09-07 08:35 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - missing evidence of a soft pull, deemed non-material with compensating factors - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - missing evidence of a soft pull<br> Investor waiver applied to non-material finding<br> - DTI 41.807% w/ max 49.99%<br> - FICO 760 w/ min 700<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 760 exceeds the guideline minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776703 | xxxxxx B A | Closed | xxxxxx | 2022-09-01 12:55 | 2022-09-07 08:29 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for account #7953 Two months are required per guides. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for account #xxxxxx Two months are required per guides.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 760 exceeds the guideline minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776703 | xxxxxx B A | Closed | xxxxxx | 2022-09-01 12:55 | 2022-09-07 08:29 | Waived | 2 - Non-Material B | Credit | Assets | Asset 2 Less Than 2 Months Verified | Waived-Asset 2 Less Than 2 Months Verified File contains only 1 month bank statement for account #xxxxxx.. Two months are required per guides. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 2 Less Than 2 Months Verified File contains only 1 month bank statement for account #xxxxxx Two months are required per guides.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 760 exceeds the guideline minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776703 | xxxxxx B A | Closed | xxxxxx | 2022-09-01 12:48 | 2022-09-07 08:24 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present - Down grade to non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present<br> - Down grade to non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 760 exceeds the guideline minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776703 | xxxxxx B A | Closed | xxxxxx | 2022-09-01 13:24 | 2022-09-07 08:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Loan program disclosure | Waived-No evidence as to the loan program was located in the file. This loan was evaluated using the reduced documentation program.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-No evidence as to the loan program was located in the file. This loan was evaluated using the reduced documentation program.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 760 exceeds the guideline minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776703 | xxxxxx B A | Closed | xxxxxx | 2022-08-30 07:01 | 2022-08-30 08:24 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 760 exceeds the guideline minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776707 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 11:16 | 2022-09-09 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 39.87% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 745 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 12.48 months verified reserves exceeds 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776707 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 10:47 | 2022-09-09 11:54 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved--Received Condo/PUD Warranty certificate. - Due Diligence Vendor-xxxxxx<br> Open--Missing documentation confirming that project meets agency eligibility and project requirement per guidelines. No questionnaire or project approval provided. Unable to determine if project is warrantable and if there is any pending litigation. - Due Diligence Vendor-xxxxxx |  | Resolved--Received Condo/PUD Warranty certificate. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 39.87% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 745 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 12.48 months verified reserves exceeds 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776707 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 11:16 | 2022-09-01 14:22 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - soft pull credit report. With compensating factors, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - soft pull credit report. Con39% DTI , considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 39.87% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 745 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 12.48 months verified reserves exceeds 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776707 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 11:45 | 2022-09-01 14:17 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains 1 month bank statement for assets. Guidelines require 2 months. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains 1 month bank statement for assets. Guidelines require 2 months. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 39.87% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 745 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 12.48 months verified reserves exceeds 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776707 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 10:40 | 2022-09-01 14:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 39.87% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 745 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 12.48 months verified reserves exceeds 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 14:39 | 2022-09-21 11:23 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received documentation to support no ownership in xxxxxx - Property report for xxxxxx. does not show HOA dues. - Due Diligence Vendor-xxxxxx <br> Counter--Received Audit Worksheet for individual not on subject loan and not for subject property. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing verification of HOA fee for xxxxxx. $450-$389.33 = $60.67 disclosed on 1003 used to qualify.<br> - Fraud report notes an application dated xxxxxx for xxxxxx. Missing evidence of no ownership interest or evidence of PITIA to be included in DTI calculation. Additional findings may apply if borrower owns property. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received documentation to support no ownership in xxxxxx. - Property report for xxxxxx does not show HOA dues. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 14:39 | 2022-09-21 11:23 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 12:58 | 2022-09-21 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br>Counter--Received LoanSafe report showing alerts cleared, however, per guidelines, response on report does not state how the alert was cleared and no supporting documentation has been provided. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-Fraud Report Shows Uncleared Alerts - Alert issued for additional application for different property in past 120 days. An application noted dated xxxxxx for xxxxxx. Missing evidence of no ownership interest or evidence of PITIA to be included in DTI calculation. Additional findings may apply if borrower owns property. - Due Diligence Vendor-xxxxxx |  | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 14:19 | 2022-09-15 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Received refresh report with no new credit observed - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report.<br> - Material due to Fraud report notes an application dated xxxxxx for xxxxxx. Missing evidence of no ownership interest or evidence of PITIA to be included in DTI calculation. Additional findings may apply if borrower owns property. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Received refresh report with no new credit observed - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 14:01 | 2022-09-07 11:06 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-Missing verification of HOA fee for xxxxxx. $60.67 ($450-$389.33 T&I) disclosed on 1003 used to qualify - Due Diligence Vendor-xxxxxx |  | Waived-Missing verification of HOA fee for xxxxxx. $60.67 ($450-$389.33 T&I) disclosed on 1003 used to qualify.<br> - DTI 43.25% w/ max 49.99%<br> - FICO 710 w/ min 700<br> - LTV 77.64% w/ max 80%<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 14:44 | 2022-09-07 11:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.85 month(s) are less than Guideline Required Reserves of 7 month(s) - Verified reserves of $59,660.46 and reserves required of $62,937.77. Short 1.15 months. - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 5.85 month(s) are less than Guideline Required Reserves of 7 month(s) - Verified reserves of $59,660.46 and reserves required of $62,937.77. Short 1.15 months.<br> - Downgrade to non-material.<br> - DTI 43.25% w/ max 49.99%<br> - FICO 710 w/ min 700<br> - LTV 77.64% w/ max 80%<br> : Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 14:33 | 2022-09-07 10:51 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx #xxxxxx One month provided for xxxxxx., and two months required. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx #xxxxxx. One month provided for xxxxxx, and two months required.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 12:53 | 2022-09-07 10:44 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all parties. Borrower, seller and Loan Officer OFAC check provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all parties. Borrower, seller and Loan Officer OFAC check provided.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 13:46 | 2022-09-07 10:27 | Waived | 2 - Non-Material B | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Waived-Flood Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan disbursed xxxxxx per final CD in file, downgrade to non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Flood Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan disbursed xxxxxx per final CD in file, downgrade to non-material.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 13:46 | 2022-09-07 10:27 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan disbursed xxxxxx per final CD in file, downgrade to non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan disbursed xxxxxx per final CD in file, downgrade to non-material.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776711 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 10:59 | 2022-08-25 11:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 77.64% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.25% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776714 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-06 10:32 | 2022-09-15 14:20 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Required Questionnaire is missing, File contains Condo Warranty Cert type P- xxxxxx Limited Review New Detached. (subject is an attached townhome style condominium) - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 760 is 60 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 40.05% is 9.94% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776714 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-06 09:46 | 2022-09-15 14:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Provide revised Preliminary title or Final Title to include lender Coverage Amount $xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 760 is 60 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 40.05% is 9.94% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776714 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-06 10:45 | 2022-09-08 18:38 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx per Final CD in file. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 760 is 60 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 40.05% is 9.94% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776714 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-06 11:00 | 2022-09-08 18:38 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 760 is 60 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 40.05% is 9.94% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776714 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-06 10:59 | 2022-09-08 14:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Finding is deemed non-material due to compensating factors. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report required xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Finding is deemed non-material due to 39.97% DTI and 760 FICO. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 760 is 60 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 40.05% is 9.94% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776714 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-06 11:19 | 2022-09-06 15:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.63 month(s) are less than Guideline Required Reserves of 6 month(s) - Reserves are short 1.37 months.-Due to compensating factors, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 4.63 month(s) are less than Guideline Required Reserves of 6 month(s) - Reserves are short 1.37 months.-DTI 40.05% w/ max 49.99%-FICO 760 w/ min 700, therefore, considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 760 is 60 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 40.05% is 9.94% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776722 | xxxxxx B A | Closed | xxxxxx | 2022-09-02 08:28 | 2022-09-08 18:39 | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Less Than 2 Months Verified | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Asset 3 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #xxxxxx. Two months are required per guides. (provided only to meet full 6 months reserves) - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 37.85% is 12.14% less than maximum 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 794 is 94 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776722 | xxxxxx B A | Closed | xxxxxx | 2022-09-02 08:19 | 2022-09-08 06:33 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Down grade to non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Down grade to non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 37.85% is 12.14% less than maximum 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 794 is 94 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776722 | xxxxxx B A | Closed | xxxxxx | 2022-09-02 08:18 | 2022-09-08 06:32 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report required guideline. --Finding deemed non-material with compensating factors. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report required guideline. --Finding deemed non-material with a DTI of 37.85% and a 700 FICO. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 37.85% is 12.14% less than maximum 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 794 is 94 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776722 | xxxxxx B A | Closed | xxxxxx | 2022-08-30 09:22 | 2022-08-30 15:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 37.85% is 12.14% less than maximum 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 794 is 94 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776723 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-07 20:57 | 2022-09-15 15:10 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review - Due Diligence Vendor-xxxxxx <br>Open-- Desk review required per guidelines - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 764 exceeds guideline minimum of 700. <br>Months Reserves exceed minimum required - The borrowers have 24 months reserves which exceeds the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 776723 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 15:59 | 2022-09-15 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Received approval letter - Due Diligence Vendor-xxxxxx <br> Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br> Open-Third Party Fraud Report Partially Provided - Fraud score is 858. Per the guidelines scores above 800 require management review and approval by the Underwriting Manager in order to proceed with the loan. No management approval was located in the file. - Due Diligence Vendor-xxxxxx |  | Resolved--Received approval letter - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 764 exceeds guideline minimum of 700. <br>Months Reserves exceed minimum required - The borrowers have 24 months reserves which exceeds the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 776723 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 15:54 | 2022-09-07 21:29 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - missing evidence of a soft pull for borrowers. Downgrade to non-material with compensating factors<br> - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - missing evidence of a soft pull for borrowers. Downgrade to non-material due to:<br> - DTI 40.31% w/ max 49.99%<br> - FICO 764 w/ min 700<br> - Reserves 17.15 months after required 7 months <br>Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 764 exceeds guideline minimum of 700. <br>Months Reserves exceed minimum required - The borrowers have 24 months reserves which exceeds the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776723 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 16:12 | 2022-09-07 21:23 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified File contains only 1 month bank statement for xxxxxx account #4347. Two months are required per guides.<br> File contains only 1 month bank statement for xxxxxx account #xxxxxx Two months are required per guides.<br> File contains only 1 month bank statement for xxxxxx account #xxxxxx. Two months are required per guides.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified File contains only 1 month bank statement for xxxxxx account #xxxxxx. Two months are required per guides.<br> File contains only 1 month bank statement for xxxxxx account #xxxxxx Two months are required per guides.<br> File contains only 1 month bank statement for xxxxxx account #xxxxxx. Two months are required per guides.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 764 exceeds guideline minimum of 700. <br>Months Reserves exceed minimum required - The borrowers have 24 months reserves which exceeds the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776723 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-06 15:57 | 2022-09-07 21:17 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present<br> Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 764 exceeds guideline minimum of 700. <br>Months Reserves exceed minimum required - The borrowers have 24 months reserves which exceeds the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776724 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 11:12 | 2022-09-21 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Document received - Due Diligence Vendor-xxxxxx <br>Counter--Approval letter provided is not for this loan. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-Third Party Fraud Report Partially Provided - Fraud score is 918. Per the guidelines scores above 800 require management review and approval by the Underwriting Manager in order to proceed with the loan. No management approval was located in the file. - Due Diligence Vendor-xxxxxx |  | Resolved--Document received - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 39.57% is less than the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 768 is greater than the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776724 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 15:19 | 2022-09-09 11:31 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - No soft pull located in the file. Considered non-material due to compensating factors - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - No soft pull located in the file<br> Considered non-material due to;<br> - DTI 39.57% w/ max 49.99%<br> - FICO 768 w/ min 720<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI of 39.57% is less than the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 768 is greater than the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776724 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 15:24 | 2022-09-09 11:12 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 39.57% is less than the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 768 is greater than the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776724 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 11:07 | 2022-09-09 11:07 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx per final CD, Considered non-material . Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx per final CD, Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 39.57% is less than the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 768 is greater than the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776724 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 06:34 | 2022-08-31 11:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 39.57% is less than the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 768 is greater than the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776725 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 12:27 | 2022-09-09 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Waived--Investor waiver applied to non-material finding<br> - Deemed non-material, Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2x the amount required by guidelines - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing soft-pull credit. Borrower is a FTHB, 46% DTI,, short funds to close and used 100% gift funds. Considered material - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Waived--Investor waiver applied to non-material finding<br> - Deemed non-material, Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2x the amount required by guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 62 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776725 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 12:56 | 2022-09-06 14:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 2.82 month(s) are less than Guideline Required Reserves of 6 month(s) - Verified assets short $13,826.42 (3.18 months) to meet reserve requirement of 6 months for 80% LTV. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2x the amount required by guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 62 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776725 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 10:50 | 2022-08-25 11:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 62 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776726 | xxxxxx C B A | Closed | xxxxxx | 2022-09-02 12:03 | 2022-09-08 18:47 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived--Investor waiver applied to non-material finding. - Due Diligence Vend-xxxxxx <br>Open-Asset Qualification Does Not Meet Guideline Requirements - Gift funds of xxxxxx and xxxxxx were received by title company on xxxxxx, or after xxxxxx disbursement date. Without these funds, loan would be short funds to close. Provide PCCD with disbursement date of xxxxxx or Final CD reflecting receipt of Gift funds. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding. - Due Diligence Vendor xxxxxx<br>| Qualifying DTI below maximum allowed - 42.02% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 802 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776726 | xxxxxx C B A | Closed | xxxxxx | 2022-09-02 11:04 | 2022-09-07 16:50 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Down grade to non-material due to compensating factors. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Down grade to non-material due to;<br> - DTI 42.02% w/ max 49.99%<br> - FICO 802 w/ min 700<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.02% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 802 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776726 | xxxxxx C B A | Closed | xxxxxx | 2022-09-02 12:10 | 2022-09-07 16:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.73 month(s) are less than Guideline Required Reserves of 6 month(s) - Reserves short 1.27 months, down graded to non-material due compensating factors - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 4.73 month(s) are less than Guideline Required Reserves of 6 month(s) - Reserves short 1.27 months, down graded to non-material due to;<br> - DTI 42.02% w/ max 49.99%<br> - FICO 802 w/ min 700<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.02% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 802 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776726 | xxxxxx C B A | Closed | xxxxxx | 2022-09-02 10:58 | 2022-09-07 16:34 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, lender and loan officer. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, lender and loan officer.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.02% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 802 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776726 | xxxxxx C B A | Closed | xxxxxx | 2022-09-02 11:52 | 2022-09-07 16:29 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan disbursement on xxxxxx per final CD in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan disbursement on xxxxxx per final CD in file.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.02% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 802 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776726 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 11:38 | 2022-08-30 14:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.02% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 802 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776728 | xxxxxx C B A | Closed | xxxxxx | 2022-09-02 16:21 | 2022-09-12 15:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 5.24 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 808 FICO exceeds 700 minimum required.<br>Qualifying DTI below maximum allowed - 41.55% DTI is less than 49.99% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776728 | xxxxxx C B A | Closed | xxxxxx | 2022-09-02 16:15 | 2022-09-08 19:00 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - This is a new account opened xxxxxx. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - This is a new account opened xxxxxx. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 808 FICO exceeds 700 minimum required.<br>Qualifying DTI below maximum allowed - 41.55% DTI is less than 49.99% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776728 | xxxxxx C B A | Closed | xxxxxx | 2022-09-02 16:06 | 2022-09-08 18:58 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Finding is deemed non-material due with compensating factors. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Finding is deemed non-material due to DTI of 41.55% and mid FICO of 808. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 808 FICO exceeds 700 minimum required.<br>Qualifying DTI below maximum allowed - 41.55% DTI is less than 49.99% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776728 | xxxxxx C B A | Closed | xxxxxx | 2022-09-02 16:08 | 2022-09-08 18:57 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, seller, mortgage broker and loan officer. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, seller, mortgage broker and loan officer. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 808 FICO exceeds 700 minimum required.<br>Qualifying DTI below maximum allowed - 41.55% DTI is less than 49.99% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776730 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 10:23 | 2022-10-05 14:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Received LOE for difference in rent amount. Landlord on Lease is xxxxxx, who is xxxxxx reflected on bank statements that rent is being paid to? - Due Diligence Vendor-xxxxxx <br> Counter--Received LOE from originator. even though values listed or incorrect, agreed. However, the payments are not being made to the Landlord but to another individual. Provide documentation to support rent payments are to the Landlord on Lease agreement for the address listed on the 1003. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing explanation why $2,250 lease payments for xxxxxx don't match lease which notes $2,200 and also why payments are to a party not listed as landlord on lease. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - ST - Reserves exceed minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 31.03% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 700 minimum FICO required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776730 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 09:48 | 2022-09-08 15:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 31.03% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 700 minimum FICO required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776730 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 10:23 | 2022-09-08 15:46 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Finding deemed non-material with compensating factors. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Finding deemed non-material with a DTI of 31.03% and a mid FICO of 740. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 31.03% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 700 minimum FICO required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776730 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 08:53 | 2022-09-08 15:45 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer. - Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 31.03% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 700 minimum FICO required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776730 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 10:34 | 2022-09-08 15:44 | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Less Than 2 Months Verified | Waived-Asset 3 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx. Two months required but only the xxxxxx. statement and transaction history for xxxxxx.-xxxxxx. provided. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 3 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx #xxxxxx. Two months required but only the xxxxxx statement and transaction history for xxxxxx xxxxxx provided. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 31.03% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 700 minimum FICO required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776730 | xxxxxx C B A | Closed | xxxxxx | 2022-09-01 09:52 | 2022-09-01 13:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 31.03% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 700 minimum FICO required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776732 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 11:54 | 2022-09-16 12:40 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved--Response: This policy is Homeowner policy(Owner Occupied). The rental value means that when the property gets badly lost that needs to rent another house to stay during the house to be repaired.<br> - Audit response: Agree with rebuttal. - Due Diligence Vendor-xxxxxx <br>Open-Potential occupancy issue since Insurance policy provides rental value insurance coverage and transaction identified as purchase of primary. Clarification required. Additional findings will apply if property is for investment purposes. - Due Diligence Vendor-xxxxxx |  | Resolved--Response: This policy is Homeowner policy(Owner Occupied). The rental value means that when the property gets badly lost that needs to rent another house to stay during the house to be repaired.<br> - Audit response: Agree with rebuttal. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 27.84% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 749 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776732 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 13:35 | 2022-09-08 18:42 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.84% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 749 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776732 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 11:13 | 2022-09-08 14:33 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Finding is deemed non-material due to compensating factors - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Finding is deemed non-material due to a 27.84% DTI and 749 FICO - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.84% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 749 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776732 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 12:14 | 2022-09-08 14:32 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 27.84% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 749 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776732 | xxxxxx C B A | Closed | xxxxxx | 2022-09-06 12:43 | 2022-09-08 14:32 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx and xxxxxx. File includes a xxxxxx statement for xxxxxx.. File includes xxxxxx statement and transaction history forxxxxxx.-xxxxxx. for #xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx and xxxxxx. File includes a xxxxxx statement for #xxxxxx. File includes xxxxxx statement and transaction history for xxxxxx xxxxxx xxxxxx xxxxxx for #xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 27.84% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 749 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776732 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 05:28 | 2022-08-30 15:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.84% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 749 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 15:22 | 2022-09-26 19:48 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Resolved--All documentation has been received and supported with documentation provided. - Due Diligence Vendor-xxxxxx <br> Counter--Received mortgage statement for subject loan post-close. Missing mortgage payment history for current residence xxxxxx., with xxxxxx mortgage meeting guideline requirement of 1x30x12. Only document in file was mortgage statement showing due for xxxxxx payment. Finding remains<br> - Corrected verbal VOE received - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing mortgage payment history for xxxxxx meeting guideline requirement of 1x30x12. Only document in file was mortgage statement showing due for xxxxxx. payment. - Verbal VOE provided is incomplete. None of the questions relating to current employment were answered (currently employed, on leave, probability of continued employment, etc.) - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--All documentation has been received and supported with documentation provided. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 14:59 | 2022-09-26 19:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received documentation to support borrower is not responsible for Mortgage on current residence and a copy of the grant deed to show borrower ownership since xxxxxx. - Due Diligence Vendor-xxxxxx <br> Counter--Received mortgage statement for subject loan post-close. Missing mortgage payment history for current residence xxxxxx., with xxxxxx mortgage meeting guideline requirement of 1x30x12. Only document in file was mortgage statement showing due for xxxxxx payment. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing mortgage payment history for xxxxxx meeting guideline requirement of 1x30x12. Only document in file was mortgage statement showing due for xxxxxx payment. - Due Diligence Vendor-xxxxxx |  | Resolved--Received documentation to support borrower is not responsible for Mortgage on current residence and a copy of the grant deed to show borrower ownership since xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 14:52 | 2022-09-15 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Received corrected verbal VOE - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Verbal VOE provided is incomplete. None of the questions relating to current employment were answered (currently employed, on leave, probability of continued employment, etc.) - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Received corrected verbal VOE - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 14:59 | 2022-09-12 21:30 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding, deemed non-material with compensating factors- Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material as DTI is less than 26%. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 14:39 | 2022-09-12 21:28 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived--Investor waiver applied to non-material finding - Per online search property does not appear to be in an HOA. Deemed non-material. - Due Diligence Vendor-xxxxxx <br> Open--Missing verification of HOA fee, If applicable, for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Per online search property does not appear to be in an HOA. Deemed non-material. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 12:14 | 2022-09-09 12:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 702 is less than Guideline FICO of 720 - Per guidelines FICO <720: tax and insurance must be impounded. Escrows Waived. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited FICO of 702 is less than Guideline FICO of 720 - Per guidelines FICO <720: tax and insurance must be impounded. Escrows Waived.<br> - Considered non-material due to;<br> - DTI 28.72% w/ max 49.99%<br> - Reserves 1.15 months after required 7 months <br> - LTV 75% w/ max 80%<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 15:13 | 2022-09-09 12:04 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's statement for xxxxxx. File included xxxxxx. statement and history from xxxxxx.to xxxxxx.. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's statement for xxxxxx. File included xxxxxx statement and history from xxxxxx to xxxxxx<br> Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 15:03 | 2022-09-09 12:01 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 14:34 | 2022-09-09 11:45 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx per final CD - Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx per final CD <br> - Considered non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776733 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 06:20 | 2022-08-30 08:39 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 28.72% DTI is less than 49% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776734 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 08:50 | 2022-09-15 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 CPA Letter Missing - CPA letter not found in file. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 9% below guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776734 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 09:38 | 2022-09-09 11:25 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified -2 month history required by guidelines and only one month provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified -2 month history required by guidelines and only one month provided. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 9% below guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776734 | xxxxxx D B A | Closed | xxxxxx | 2022-09-09 09:25 | 2022-09-09 11:25 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing -, soft-pull credit not found in file. Due to compensating factors, considered non material - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing -, soft-pull credit not found in file. 40% DTI, therefore, considered non material - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 9% below guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776734 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 15:49 | 2022-09-09 11:13 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided for borrower, seller, mortgage broker and loan officer, therefore, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided for borrower, seller, mortgage broker and loan officer, therefore, considered non material. Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 9% below guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776734 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 13:28 | 2022-08-31 14:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 9% below guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 18:55 | 2022-09-26 14:35 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved--Client rebuttal: Please see the attached file for the bank statement (which should be in the closing package). This shows that the borrower has over 200k of balance which should be more than enough to cover the cash to close and reserves <br> -(AUDIT RESPONSE) Received bank statement to support funds for closing, not in file at time of original review - Due Diligence Vendor xxxxxx <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-xxxxxx <br> Counter--Received documentation already in file. Provide source of $154,100 with to escrow on xxxxxx. - Due Diligence Vendor xxxxxx <br> Open-Asset Record 2 Does Not Meet G/L Requirements - Missing source of $154,100 wire to escrow xxxxxx.. assets are insufficient for cash to close and reserves - Due Diligence Vendor-xxxxxx |  | Resolved--Client rebuttal: Please see the attached file for the bank statement (which should be in the closing package). This shows that the borrower has over 200k of balance which should be more than enough to cover the cash to close and reserves<br> -(AUDIT RESPONSE) Received bank statement to support funds for closing, not in file at time of original review - Due Diligence Vendor-xxxxxx <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 18:55 | 2022-09-26 14:34 | Resolved | 1 - Information A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor xxxxxx <br>Rescinded-Total Qualified Assets Post-Close amount is '$-152621.93'. Assets are Insufficient. - Due Diligence Vendor-xxxxxx |  | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-xxxxxx<br>Rescinded-Total Qualified Assets Post-Close amount i xxxxxx'. Assets are Insufficient. - Due Diligence Vendo-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 19:04 | 2022-09-12 15:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 18:06 | 2022-09-08 21:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 18:12 | 2022-09-08 21:10 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Final CD disbursement date xxxxxx with xxxxxx paid to xxxxxx in Prepaids. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Final CD disbursement date xxxxxx with xxxxxx paid to xxxxxx in Prepaids. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 18:35 | 2022-09-08 21:10 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Down grade to non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Down grade to non-material. --Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-08 18:34 | 2022-09-08 21:10 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Finding deemed non-material due compensating factors. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Finding deemed non-material due to LTV of 69.83% and mid FICO of 791. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-31 10:34 | 2022-09-19 12:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-Missing Initial Loan Estimate. COC in file stated rate locked after initial disclosure provided. LE in file dated xxxxxx, rate is locked.<br> Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-31 11:03 | 2022-09-19 12:42 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx<br> Rescinded-Addressed in finding-xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx <br>Rescinded-Addressed in finding-3634. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-31 11:03 | 2022-09-19 12:42 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-Missing Initial LE. Unable to test fees to validate Charges That Cannot Increase. Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-31 11:03 | 2022-09-19 12:42 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding-xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx <br>Rescinded-Addressed in finding-3634. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-31 11:03 | 2022-09-19 12:42 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-Missing Initial LE. Unable to test fees to validate Charges That Cannot Increase More Than 10% Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776739 | xxxxxx D B C A | Closed | xxxxxx | 2022-08-31 10:46 | 2022-08-31 14:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 791 is 111 points higher than required 680<br>LTV is less than guideline maximum - - LTV 69.83% is 10.17% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776740 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 14:59 | 2022-09-26 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Received required approval - Due Diligence Vendor-xxxxxx <br>Open-Third Party Fraud Report Partially Provided Fraud score is 855. Per the guidelines scores above 800 require management review and approval by the Underwriting Manager in order to proceed with the loan. No management approval was located in the file. - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Received required approval - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 757 is 97 points higher than required 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776740 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 14:46 | 2022-09-26 12:19 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Received property detail report for xxxxxx. Missing HOA information for xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Missing LOE for HOA or HOA monthly dues for xxxxxx and xxxxxx rental properties. Additional conditions may apply - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 757 is 97 points higher than required 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776740 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 15:25 | 2022-09-12 15:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 3.32 month(s) are less than Guideline Required Reserves of 7 month(s) - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 757 is 97 points higher than required 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776740 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 15:15 | 2022-09-08 17:49 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Only 1 month of xxxxxx #xxxxxx in file, GL requires 2 months.<br> - Only 1 month of xxxxxx #xxxxxx. in file, GL requires 2 months.<br> - Only 1 month of xxxxxx #xxxxxx. in file, GL requires 2 months.<br> - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Only 1 month of xxxxxx in file, GL requires 2 months.<br> - Only 1 month of xxxxxxs xxxxxx in file, GL requires 2 months.<br> - Only 1 month of xxxxxx #xxxxxx in file, GL requires 2 months.<br> --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 757 is 97 points higher than required 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776740 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 14:57 | 2022-09-08 17:47 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report required guideline. finding deemed non-material due compensating factors. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report required guideline. finding deemed non-material due to FICO of 757 and DTI of 42.46%. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 757 is 97 points higher than required 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776740 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 14:59 | 2022-09-08 17:46 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Down grade to non-material --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Down grade to non-material --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 757 is 97 points higher than required 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776740 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 13:44 | 2022-09-08 13:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 757 is 97 points higher than required 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776740 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 08:32 | 2022-08-31 12:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 757 is 97 points higher than required 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776768 | xxxxxx C B A | Closed | xxxxxx | 2022-08-25 17:13 | 2022-09-22 09:03 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Minimum Coverage Not Met | Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-xxxxxx <br> Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - 0x30 for 24 months on all mortgages / Compensating Factor 2 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-xxxxxx <br> Counter--Rec'd Flood Insurance Coverage Calculator that reflects coverage amount of xxxxxx. > $xxxxxx. Insurable replacement cost; actual replacement cost documented in file is $xxxxxx1. Flood coverage is insufficient. - Due Diligence Vendor-xxxxxx <br> Open-Flood Insurance Coverage Amount does not meet minimum required coverage amount - Flood amount insufficient, Loan amount xxxxxx with xxxxxx $xxxxxxk, should be max allowed at $xxxxxxk. - Due Diligence Vendor-xxxxxx |  | Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-xxxxxx<br>Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - 0x30 for 24 months on all mortgages / Compensating Factor 2 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Same company xxxxxx for 10+ years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776768 | xxxxxx C B A | Closed | xxxxxx | 2022-08-25 16:49 | 2022-08-26 10:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 1.39 month(s) are less than Guideline Required Reserves of 6 month(s) - Guides state that when an LTV > 65%, the borrower must have at least 2 months of their own funds for reserves. . Borrower has 1.39 of the 2 months of their own. funds with a 68% LTV. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 1.39 month(s) are less than Guideline Required Reserves of 6 month(s) - Guides state that when an LTV > 65%, the borrower must have at least 2 months of their own funds for reserves. . Borrower has 1.39 of the 2 months of their own. funds with a 68% LTV. Considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Same company xxxxxx for 10+ years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776768 | xxxxxx C B A | Closed | xxxxxx | 2022-08-25 16:24 | 2022-08-26 10:01 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Asset Record 1 Does Not Meet G/L Requirements, less than 2 months verified. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Asset Record 1 Does Not Meet G/L Requirements, less than 2 months verified.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - - Same company xxxxxx for 10+ years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776770 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 15:05 | 2022-09-26 17:58 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved Title provided reflecting both borrowers in title. - Due Diligence Vendor-xxxxxx <br>Counter--Rec'd Warranty Deed for non-subject property and duplicate copies of title reports existing in file; please provide Final Title policy or Warranty Deed for subject to verify vesting matches DOT. - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue - Mortgage reflects xxxxxx and xxxxxx, husband and wife and xxxxxx and xxxxxx, wife and husband, all as joint tennants which does not match Title Commitment - Due Diligence Vendor-xxxxxx |  | Resolved-Property Title Issue Resolved Title provided reflecting both borrowers in title. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 739 versus guideline requirement of 700. <br>Months Reserves exceed minimum required - Reserves of 17 months exceeds the 12 month minimum per the guidelines |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776770 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 09:54 | 2022-09-19 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved--Client rebuttal: I am requesting this to be reviewed an allowed as is. The only positive income that is being utilized is from xxxxxx. The other two business are reflecting a loss that we are hitting the borrower with. There is not additional income being used for those businesses. Additionally, the one business is xxxxxx which is the same line of work. The other business is xxxxxx and again this business reflects a loss, so a CPA letter would not be required. If we were using income to qualify for this business, then I agree a CPA letter would be<br> required. I am respectfully requesting that the documentation in file be reviewed and ac<br> --Agree, the only positive income being used is from xxxxxx - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 CPA Letter Missing - Missing CPA letter describing each business - Due Diligence Vendor-xxxxxx |  | Resolved--Client rebuttal: I am requesting this to be reviewed an allowed as is. The only positive income that is being utilized is from xxxxxx xxxxxx. The other two business are reflecting a loss that we are hitting the borrower with. There is not additional income being used for those businesses. Additionally, the one business is xxxxxx which is the same line of work. The other business is xxxxxx and again this business reflects a loss, so a CPA letter would not be required. If we were using income to qualify for this business, then I agree a CPA letter would be<br> required. I am respectfully requesting that the documentation in file be reviewed and ac<br> --Agree, the only positive income being used is from xxxxxx xxxxxx - Due Diligence Vendor-xxxxxx <br> Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 739 versus guideline requirement of 700. <br>Months Reserves exceed minimum required - Reserves of 17 months exceeds the 12 month minimum per the guidelines |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776770 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 08:13 | 2022-09-19 13:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-xxxxxx<br>Open-Borrower 1 Tax Returns Not Signed - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 739 versus guideline requirement of 700. <br>Months Reserves exceed minimum required - Reserves of 17 months exceeds the 12 month minimum per the guidelines |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776770 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 08:13 | 2022-09-19 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 739 versus guideline requirement of 700. <br>Months Reserves exceed minimum required - Reserves of 17 months exceeds the 12 month minimum per the guidelines |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776770 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 15:46 | 2022-09-16 13:06 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Counter--Missing Mortgage/HELOC statement for xxxxxx property - Due Diligence Vendor-xxxxxx <br> Resolved--Received HOA statements for all 3 properties - Due Diligence Vendor-xxxxxx <br> Open--Missing HOA verification for 3 properties xxxxxx and the mortgage statement for the xxxxxx property - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Resolved--Received HOA statements for all 3 properties - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 739 versus guideline requirement of 700. <br>Months Reserves exceed minimum required - Reserves of 17 months exceeds the 12 month minimum per the guidelines |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776770 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 11:10 | 2022-09-09 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Business Tax Returns | Resolved--Upon further review, no income was shown on xxxxxx. tax returns therefore 1120s and K1 not required - Due Diligence Vendor-xxxxxx <br> Open--Missing xxxxxx. 1120S and K-1 for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review, no income was shown on xxxxxx tax returns therefore 1120s and K1 not required - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 739 versus guideline requirement of 700. <br>Months Reserves exceed minimum required - Reserves of 17 months exceeds the 12 month minimum per the guidelines |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776770 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 08:33 | 2022-09-01 15:44 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit for B1 and B1. Finding is deemed non-material due to compensating factors. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit for B1 and B1. Finding is deemed non-material due to DTI of 24.96%, FICO of 739, minimal use of credit. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 739 versus guideline requirement of 700. <br>Months Reserves exceed minimum required - Reserves of 17 months exceeds the 12 month minimum per the guidelines |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776771 | xxxxxx D A C | Closed | xxxxxx | 2022-08-30 09:45 | 2022-09-09 09:45 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received xxxxxx UCDP. - Due Diligence Vend-xxxxxx<br> Open--Missing xxxxxx UCDP with a risk score = 2.5, if greater than 2.5, desk review is required - Due Diligence Vendor-xxxxxx</TD |  | Resolved--Received xxxxxx UCDP. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 767 exceeds 680 minimum. <br>Months Reserves exceed minimum required - 91 months reserves exceed guideline minimum of 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776771 | xxxxxx D A C | Closed | xxxxxx | 2022-08-30 09:41 | 2022-09-09 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved--Received documentation to support payments were made. - Due Diligence Vendor-xxxxxx <br> Open--Notes/Memos indicates loan is due for xxxxxx payment however missing evidence of July xxxxxx. and August xxxxxx. payments - Due Diligence Vendor-xxxxxx |  | Resolved--Received documentation to support payments were made. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 767 exceeds 680 minimum. <br>Months Reserves exceed minimum required - 91 months reserves exceed guideline minimum of 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776771 | xxxxxx D A C | Closed | xxxxxx | 2022-08-30 09:21 | 2022-09-09 09:36 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received xxxxxx statement and SSI award letter. - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Missing SSI award letter or proof of receipt and 3 months complete statements for xxxxxx used for Asset Utilization. Missing term of withdrawal as required by guidelines - Due Diligence Vendor-xxxxxx |  | Resolved--Received xxxxxx statement and SSI award letter. - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 767 exceeds 680 minimum. <br>Months Reserves exceed minimum required - 91 months reserves exceed guideline minimum of 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776771 | xxxxxx D A C | Closed | xxxxxx | 2022-08-30 09:21 | 2022-09-09 09:35 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 767 exceeds 680 minimum. <br>Months Reserves exceed minimum required - 91 months reserves exceed guideline minimum of 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776771 | xxxxxx D A C | Closed | xxxxxx | 2022-08-25 12:10 | 2022-09-09 09:33 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received xxxxxx statement and SSI award letter. - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Missing xxxxxxletter or proof of receipt and 3 months complete statements for xxxxxx used for Asset Utilization. Missing term of withdrawal as required by guidelines - Due Diligence Vendor-xxxxxx |  | Resolved--Received xxxxxx statement and SSI award letter. - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 767 exceeds 680 minimum. <br>Months Reserves exceed minimum required - 91 months reserves exceed guideline minimum of 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776771 | xxxxxx D A C | Closed | xxxxxx | 2022-08-25 12:10 | 2022-09-09 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing Lender income calculation worksheet - Due Diligence Vendor-xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 767 exceeds 680 minimum. <br>Months Reserves exceed minimum required - 91 months reserves exceed guideline minimum of 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776771 | xxxxxx D A C | Closed | xxxxxx | 2022-08-30 09:08 | 2022-09-09 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Award Letter Missing - Missing SSI award letter or proof of receipt as required by guidelines - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 767 exceeds 680 minimum. <br>Months Reserves exceed minimum required - 91 months reserves exceed guideline minimum of 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776773 | xxxxxx D B A | Closed | xxxxxx | 2023-01-27 13:19 | 2023-01-27 13:19 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing letter of explanation | Waived--Investor waiver applied to non-material finding - Appraisal does not identify borrower but only lists the non-borrowing spouse as the borrower. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Appraisal does not identify borrower but only lists the non-borrowing spouse as the borrower. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 18.77% DTI is less than 50% maximum allowed.<br>LTV is less than guideline maximum - 80% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO is less than 620 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776773 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 10:00 | 2022-09-09 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved--Received evidence of xxxxxx payment made. - Due Diligence Vendor-xxxxxx <br>Open--Missing evidence of xxxxxx payment. - Due Diligence Vendor-xxxxxx |  | Resolved--Received evidence of xxxxxx payment made. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 18.77% DTI is less than 50% maximum allowed.<br>LTV is less than guideline maximum - 80% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO is less than 620 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 776773 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 10:10 | 2022-08-29 14:37 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing -18% DTI, therefore, considered non material - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing -18% DTI, therefore, considered non material - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 18.77% DTI is less than 50% maximum allowed.<br>LTV is less than guideline maximum - 80% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO is less than 620 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776774 | xxxxxx C B A | Closed | xxxxxx | 2022-08-26 13:13 | 2022-12-20 16:56 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Rec'd credit supp showing xxxxxx paid 0x30x7 months and next due xxxxxx - Due Diligence Vendor-xxxxxx <br>Counter--Response: payment history was provided. <br> - No documentation provided with response. Finding remains. - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors Missing evidence that xxxxxx was current at the time of the closing - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Resolved--Rec'd credit supp showing xxxxxx paid 0x30x7 months and next duexxxxxx - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 40.18% is lower than the program maximum of 50%. <br>LTV is less than guideline maximum - 55.23% LTV is lower than 75% guideline max for a cash out refinance |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776774 | xxxxxx C B A | Closed | xxxxxx | 2022-08-23 10:56 | 2022-09-15 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rec'd credit supp showing xxxxxx paid 0x30x7 months and next due xxxxxx - Due Diligence Vendor-xxxxxx <br> Counter--Response: payment history provided. <br> - No documentation submitted with response. Finding remains. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence that xxxxxx was current at the time of the closing. No due date is indicated on the payoff statement. Credit report reflects last payment xxxxxx.. Loan closed in xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Rec'd credit supp showing xxxxxx paid 0x30x7 months and next due xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 40.18% is lower than the program maximum of 50%. <br>LTV is less than guideline maximum - 55.23% LTV is lower than 75% guideline max for a cash out refinance |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776774 | xxxxxx C B A | Closed | xxxxxx | 2022-08-25 15:56 | 2022-08-25 16:08 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - GAP credit report in file dated xxxxxx. with Monitoring from xxxxxx. to xxxxxx.. Finding is deemed non-material with compensating factors--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - GAP credit report in file dated xxxxxx with Monitoring from0xxxxxx to xxxxxx Finding is deemed non-material with a DTI of 40.18%. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 40.18% is lower than the program maximum of 50%. <br>LTV is less than guideline maximum - 55.23% LTV is lower than 75% guideline max for a cash out refinance |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776776 | xxxxxx D B A | Closed | xxxxxx | 2022-08-29 12:26 | 2022-09-20 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Validation Resolved - Received purchase agreement - Due Diligence Vendor-xxxxxx <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-xxxxxx |  | Resolved-Validation Resolved - Received purchase agreement - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 80% is 10% lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 748 is 48 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776776 | xxxxxx D B A | Closed | xxxxxx | 2022-08-29 12:12 | 2022-09-15 18:15 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx <br>Open-Unsatisfactory Chain of Title provided - Chain of title was not provided - Due Diligence Vendor-xxxxxx |  | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 80% is 10% lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 748 is 48 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776776 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 06:57 | 2022-09-15 17:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Client provided final closing disclosure dated xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-xxxxxx <br>Open-TRID: Missing Final Closing Disclosure - Statute of Limitations - one year. . Upon receipt compliance will run fee testing and Credit must ensure that assets, loan amount, reserves, meet guides. Additional findings may apply - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided final closing disclosure dated xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 80% is 10% lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 748 is 48 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776776 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 06:48 | 2022-09-15 17:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br>Open-The Final 1003 is Missing - Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 80% is 10% lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 748 is 48 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776776 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 06:56 | 2022-08-26 11:51 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 80% is 10% lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 748 is 48 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776785 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 15:12 | 2022-12-20 16:37 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Resolved- - Due Diligence Vendor-xxxxxx <br> Waived--Investor waiver applied to non-material finding<br> - Deemed non-material as borrower has been self-employed for over 4 years, DTI below 40% and over 50 months reserves. - Due Diligence Vendor-xxxxxx <br> Counter--Rec'd letter from bank explaining the difference between online transfer and deposit transfer, however, the letter does not confirm that these are not transfers from other bank accounts used by the borrower and does not source the deposit transfers as income; Finding to remain. Rec'd confirmation that Rent free letter is from property owner. - Due Diligence Vendor-xxxxxx <br> Counter--Received LOX reviewed with origination file. Missing documentation supporting which transfers are eligible business-related deposits. Per guidelines, ineligible deposits must be deducted prior to performing calculation.<br> - Still missing rent free letter from property owner for rent free portion of housing history. Letter in file is from aunt who confirms borrower resided with mother. - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Unable to distinguish business deposits on bank statements since with the exception of the xxxxxx. and xxxxxx. statements, all deposits identified as deposit transfers. The source of the transfers is not disclosed in loan file.<br> - Missing rent free letter from property owner for rent free portion of housing history. Letter in file is from aunt who confirms borrower resided with mother.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Waived--Investor waiver applied to non-material finding<br> - Deemed non-material as borrower has been self-employed for over 4 years, DTI below 40% and over 50 months reserves. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 50.95 months reserves when 5 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776785 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 14:30 | 2022-09-21 19:06 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Counter--Rec'd letter from bank explaining the difference between online transfer and deposit transfer, however, the letter does not confirm that these are not transfers from other bank accounts used by the borrower and does not source the deposit transfers as income; Finding to remain. - Due Diligence Vendor-xxxxxx <br> Counter--Received LOX reviewed with origination file. Missing documentation supporting which transfers are eligible business-related deposits. Per guidelines, ineligible deposits must be deducted prior to performing calculation. - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Unable to distinguish business deposits on bank statements since with the exception of the xxxxxx. and xxxxxx. statements, all deposits identified as deposit transfers. The source of the transfers is not disclosed in loan file. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 10 points > minimum required<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 50.95 months reserves when 5 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776785 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 14:57 | 2022-09-15 18:21 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Letter in file is from property owner; rec'd property detail report confirming. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing rent free letter from property owner for rent free portion of housing history. Letter in file is from aunt who confirms borrower resided with mother. - Due Diligence Vendor-xxxxxx |  | Resolved--Letter in file is from property owner; rec'd property detail report confirming. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 50.95 months reserves when 5 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776785 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 14:47 | 2022-09-09 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved--Received evidence that xxxxxx and xxxxxx payments made. - Due Diligence Vendor-xxxxxx <br> Open-Missing payment history for he xxxxxx. and xxxxxx. payments. - Due Diligence Vendor-xxxxxx |  | Resolved--Received evidence that xxxxxx and xxxxxx payments made. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 50.95 months reserves when 5 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776785 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 14:16 | 2022-08-26 13:26 | Waived | 2 - Non-Material B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Hazard Insurance Policy is only Partially Provided - Insufficient coverage per guideline requirements. Policy provides coverage of $xxxxxx. Replacement cost estimate is $xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx |  | Waived-Hazard Insurance Policy is only Partially Provided - Insufficient coverage per guideline requirements. Policy provides coverage of $xxxxxx Replacement cost estimate is $xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 50.95 months reserves when 5 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776785 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 14:57 | 2022-08-26 13:22 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing. With compensating factors, therefore considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing. 34% DTI, therefore considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 50.95 months reserves when 5 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776785 | xxxxxx D B A | Closed | xxxxxx | 2022-08-22 09:11 | 2022-08-22 11:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx<br>| Months Reserves exceed minimum required - 50.95 months reserves when 5 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776789 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 14:59 | 2022-09-22 18:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved--Pay history for May xxxxxx payment provided showing on time payment. - Due Diligence Vendor-xxxxxx <br> Open-File is missing evidence ofxxxxxx payment; pay history reflects only payments for xxxxx and xxxxxx payments - Due Diligence Vendor-xxxxxx |  | Resolved--Pay history forxxxxxx payment provided showing on time payment. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 51 points above minimum required.<br>Months Reserves exceed minimum required - - additional 18 months reserves verified.<br>Qualifying DTI below maximum allowed - - DTI is 22% below guideline max; income has not been verified |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776789 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 09:52 | 2022-09-15 18:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br>Open-Income and Employment Do Not Meet Guidelines - all income documentation missing; unable to determine 1099 qualification method. - Due Diligence Vendor-xxxxxx |  | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 51 points above minimum required.<br>Months Reserves exceed minimum required - - additional 18 months reserves verified.<br>Qualifying DTI below maximum allowed - - DTI is 22% below guideline max; income has not been verified |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776789 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 09:52 | 2022-09-15 18:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 W2/1099 Missing - Missing one or two years of 1099s used for qualifying and 1099 transcripts - Due Diligence Vendor-xxxxxx |  | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 51 points above minimum required.<br>Months Reserves exceed minimum required - - additional 18 months reserves verified.<br>Qualifying DTI below maximum allowed - - DTI is 22% below guideline max; income has not been verified |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776789 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 09:52 | 2022-09-15 18:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing independent third party verification of business dated within 30 days of closing. - Due Diligence Vendor-xxxxxx |  | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 51 points above minimum required.<br>Months Reserves exceed minimum required - - additional 18 months reserves verified.<br>Qualifying DTI below maximum allowed - - DTI is 22% below guideline max; income has not been verified |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776789 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 09:52 | 2022-09-15 18:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Income calculation worksheet not provided. - Due Diligence Vendor-xxxxxx |  | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 51 points above minimum required.<br>Months Reserves exceed minimum required - - additional 18 months reserves verified.<br>Qualifying DTI below maximum allowed - - DTI is 22% below guideline max; income has not been verified |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776789 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 11:12 | 2022-09-15 18:10 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - file is missing all income docs. - Due Diligence Vendor-xxxxxx |  | Resolved--Received all required income documentation - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 51 points above minimum required.<br>Months Reserves exceed minimum required - - additional 18 months reserves verified.<br>Qualifying DTI below maximum allowed - - DTI is 22% below guideline max; income has not been verified |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776789 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 09:52 | 2022-09-15 18:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 WVOE Missing - missing WVOE to validate YTD earnings. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 51 points above minimum required.<br>Months Reserves exceed minimum required - - additional 18 months reserves verified.<br>Qualifying DTI below maximum allowed - - DTI is 22% below guideline max; income has not been verified |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776789 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 09:29 | 2022-08-26 12:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx-Contract extension through Note date not found in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Contract extension through Note date not found in file. Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 51 points above minimum required.<br>Months Reserves exceed minimum required - - additional 18 months reserves verified.<br>Qualifying DTI below maximum allowed - - DTI is 22% below guideline max; income has not been verified |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776794 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 16:10 | 2022-12-20 16:42 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved-Upon further review, this is not an ATR issue - Due Diligence Vendor xxxxxx <br>Open--Missing borrower assets to support 2 months reserves as required by guidelines. - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved-Upon further review, this is not an ATR issue - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 63.33% LTV less than 75% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 648 FICO exceeds 560 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776794 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 16:20 | 2022-09-23 11:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Missing asset documentation borrower to support sufficient funds for 2 months reserves from borrower's own funds as cash out funds may not be used as reserves until this requirement has been met. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Employed at same job > 5 years<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 63.33% LTV less than 75% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 648 FICO exceeds 560 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776794 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 16:02 | 2022-09-23 11:15 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Borrower 1 Gap Credit Report is Missing - Missing GAP credit report to verify no new or additional debts has been obtained. Finding is deemed material as calculated DTI is 49.97%, max allowable is 50%. Borrower is short reserves and has history of delinquency including prior mortgages. - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Employed at same job > 5 years<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 63.33% LTV less than 75% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 648 FICO exceeds 560 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776794 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 11:51 | 2022-08-23 15:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 63.33% LTV less than 75% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 648 FICO exceeds 560 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776798 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 10:13 | 2022-09-22 19:04 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--Investor waiver - Due Diligence Vendor-xxxxxx <br> Counter--Client rebuttal: TO REQUEST INVESTOR EXCEPTION APPROVAL<br> _(AUDIT RESPONSE) YTD W2 wages of 38,390.57/4 = $9597.64monthly is not supported by prior 2 year average W2 wages of $7360.64 monthly. IF loan were to qualify using W2 wages, calculated DTI is 60%+ and does not qualify. Using YTD W2 wages when YTD P&L reflects negative income is not acceptable. Invest approval required as Finding will remain material. - Due Diligence Vendor-xxxxxx <br> Counter--Received same documentation already in file. --Missing documentation/lender's justification for using borrower's positive income from xxxxxx 1120S since YTD P&L as of xxxxxxa $123,389.51 net loss (borrower's share $65,396.44). Considering business net loss ($16,349.11 monthly) and borrower's wages through xxxxxx (gross pay $36,346.69/4=$9,597.64) results in an overall loss. Factoring in the negative fluctuation from P&L, borrower has no income to consider for qualification. Additional findings may apply. - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Missing documentation/lender's justification for using borrower's positive income from xxxxxx 1120S since YTD P&L as of xxxxxx a $123,389.51 net loss (borrower's share $65,396.44). Considering business net loss ($16,349.11 monthly) and borrower's wages through xxxxxx (gross pay $36,346.69/4=$9,597.64) results in an overall loss. Factoring in the negative fluctuation from P&L, borrower has no income to consider for qualification. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 10 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 798 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776798 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 10:54 | 2022-09-22 12:35 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Investment property, N/A - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing documentation/lender's justification for using borrower's positive income from xxxxxx 1120S since YTD P&L as of xxxxxx a $123,389.51 net loss (borrower's share $65,396.44). Considering business net loss ($16,349.11 monthly) and borrower's wages through xxxxxx (gross pay $36,346.69/4=$9,597.64) results in an overall loss. Factoring in the negative fluctuation from P&L, borrower has no income to consider for qualification. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Resolved--Investment property, N/A - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 798 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776798 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 10:54 | 2022-09-22 12:35 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 798 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776798 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 10:17 | 2022-09-14 16:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved--Received evidence of xxxxxx payment made - Due Diligence Vendor-xxxxxx <br> Counter--Response: payment history provided. <br> - No documentation provided with response, finding remains. - Due Diligence Vendor-xxxxxx <br> Open-Missing evidence of xxxxxx payment. - Due Diligence Vendor-xxxxxx |  | Resolved--Received evidence of xxxxxx payment made - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 798 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776798 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 12:43 | 2022-08-30 16:25 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 798 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776800 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 11:20 | 2022-08-30 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Documentation supports loan being an investment property, not for personal use.<br>- Due Diligence Vendor-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-xxxxxx |  | Resolved-Documentation supports loan being an investment property, not for personal use.<br>- Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 24.82% below maximum of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 694 with minimum of 620<br>Months Reserves exceed minimum required - -282 months with 12 required<br>LTV is less than guideline maximum - - LTV of 80% with maximum of 85% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776800 | xxxxxx D B A | Closed | xxxxxx | 2022-08-29 16:01 | 2022-08-30 11:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 24.82% below maximum of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 694 with minimum of 620<br>Months Reserves exceed minimum required - -282 months with 12 required<br>LTV is less than guideline maximum - - LTV of 80% with maximum of 85% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776803 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 16:35 | 2022-09-22 19:00 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived--Investor waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing - Guidelines require validated 4506-C for each qualifying income source. Missing 4506-C for xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 34.43% DTI is less than 55% maximum.<br>LTV is less than guideline maximum - 85% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776803 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 17:21 | 2022-09-22 18:59 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Resolved-Ability to repay met as IRS personal transcripts support income. - Due Diligence Vendor-xxxxxx <br> Counter--Updated: (Outstanding) Guidelines require validated 4506-C for each qualifying income source. Missing 4506-C for xxxxxx - Due Diligence Vendor-xxxxxx <br> Counter--Guidelines require validated 4506-C for each qualifying income source. Missing 4506-C for xxxxxx. - Missing VOR from a third-party management company or most recent 12 months cancelled checks or bank statements since borrower is buying from landlord.<br> - Other items required have been provided - Due Diligence Vendor-xxxxxx <br> Counter-Received YTD P&L thru xxxxxx reflecting a net loss. Borrower was 76.86% owner in 2020 but unable to determine borrower's current percentage of ownership and portion of wages on P&L. P&L disclosing loss does not support 1120S and W2 earnings of $104,847.56 monthly. Missing confirmation of ownership percentage/wages for P&L and how the declining income trend from P&L supports qualifying income.<br> Also still missing:<br> - Missing IRS transcripts for xxxxxx 1040 and xxxxxx 1120S for xxxxxx. <br> - Guidelines require validated 4506-C for each qualifying income source. Missing 4506-C for xxxxxx. <br> - Missing VOR from a third-party management company or most recent 12 months cancelled checks or bank statements since borrower is buying from landlord.<br> - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing YTD P&L required since 2 calendar quarters has elapsed since the xxxxxx tax return.<br> - Missing IRS transcripts for xxxxxx 1040 and xxxxxx 1120S for xxxxxx.<br> - Guidelines require validated 4506-C for each qualifying income source. Missing 4506-C for xxxxxx.<br> - Missing VOR from a third-party management company or most recent 12 months cancelled checks or bank statements since borrower is buying from landlord.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved-Ability to repay met as IRS persona transcripts support income. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 34.43% DTI is less than 55% maximum.<br>LTV is less than guideline maximum - 85% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776803 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 17:09 | 2022-09-21 12:40 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br>Counter-Received copy of lease showing $9,500 rental payment and Paypal activity for landlord. Missing verification that source of payments is from borrower. - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Missing VOR from a third-party management company or most recent 12 months cancelled checks or bank statements since borrower is buying from landlord. - Due Diligence Vendor-xxxxxx |  | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 34.43% DTI is less than 55% maximum.<br>LTV is less than guideline maximum - 85% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776803 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 16:35 | 2022-09-19 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved- - Due Diligence Vendor-xxxxxx <br> Counter-Received YTD P&L thru xxxxxx reflecting a net loss. Borrower was 76.86% owner in xxxxxx but unable to determine borrower's current percentage of ownership and portion of wages on P&L. P&L disclosing loss does not support 1120S and W2 earnings of $104,847.56 monthly. Missing confirmation of ownership percentage/wages for P&L and how the declining income trend from P&L supports qualifying income. - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 YTD Profit & Loss Missing - Missing YTD P&L required since 2 calendar quarters has elapsed since the xxxxxx tax return. - Due Diligence Vendor-xxxxxx |  |  | Qualifying DTI below maximum allowed - 34.43% DTI is less than 55% maximum.<br>LTV is less than guideline maximum - 85% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776803 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 16:35 | 2022-09-19 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 IRS Transcripts Missing Missing IRS transcripts for xxxxxx 1040 and xxxxxx 1120S for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 34.43% DTI is less than 55% maximum.<br>LTV is less than guideline maximum - 85% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776803 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 16:35 | 2022-09-19 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required Received income worksheet. - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing income worksheet for self-employment income. - Due Diligence Vendor-xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required Received income worksheet. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 34.43% DTI is less than 55% maximum.<br>LTV is less than guideline maximum - 85% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776803 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 17:09 | 2022-08-31 18:41 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Investor waiver applied to non-material finding - UMD in file is dated xxxxxx, more than 10 days prior to closing. Deemed non-material with compensating factors. - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Investor waiver applied to non-material finding<br> - UMD in file is dated xxxxxx, more than 10 days prior to closing. Deemed non-material as borrower has FICO of 725 with low utilization, DTI of 34.43% and reserves of 19+ months. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 34.43% DTI is less than 55% maximum.<br>LTV is less than guideline maximum - 85% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776803 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 15:59 | 2022-08-31 18:29 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing letter of explanation | Waived-Borrower 1 Gap Credit Report is Missing - Investor waiver applied to non-material finding - UMD in file is dated xxxxxx, more than 10 days prior to closing. Deemed non-material. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Signed and dated letter of explanation (LOE) from borrower stating relationship to seller and reason for the purchase since considered non-arm's length due to tenant purchasing from landlord. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 34.43% DTI is less than 55% maximum.<br>LTV is less than guideline maximum - 85% LTV is less than 90% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 FICO exceeds 680 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776804 | xxxxxx B A | Closed | xxxxxx | 2022-08-24 10:24 | 2022-08-26 12:32 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived- Non material-Investor waiver applied to non-material finding. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--DTI 40%, therefore considered non material-Investor waiver applied to non-material finding. Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 40.28% is 9.72% lower than maximum 50%.<br>Months Reserves exceed minimum required - - Verified 17.58 months reserves are 12.58 months greater than required 5 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776804 | xxxxxx B A | Closed | xxxxxx | 2022-08-24 10:37 | 2022-08-25 08:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower does not meet residual income requirement | Waived-- Residual income $2,296.46 with $2,500.00 required. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-- Residual income xxxxxx with $2,500.00 required.<br> - Residual income is short ($203.54) due to audit not using Schedule C income $487.42 as documentation was not provided.- considered non-material due to:-DTI 40.28% w/ max 50%<br> - Reserves 12.58 months after required 5 months<br> - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 40.28% is 9.72% lower than maximum 50%.<br>Months Reserves exceed minimum required - - Verified 17.58 months reserves are 12.58 months greater than required 5 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776804 | xxxxxx B A | Closed | xxxxxx | 2022-08-22 16:15 | 2022-08-22 16:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 40.28% is 9.72% lower than maximum 50%.<br>Months Reserves exceed minimum required - - Verified 17.58 months reserves are 12.58 months greater than required 5 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776822 | xxxxxx C B A | Closed | xxxxxx | 2022-10-04 10:41 | 2022-10-05 18:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of xxxxxx Exception request in file and approved by Investor for loan amount of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of xxxxxx Exception request in file and approved by Investor for loan amount of xxxxxx. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 32.83% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 655 FICO exceeds 620 minimum required.<br>Months Reserves exceed minimum required - 15.71 months reserves and 3 months required. | -Credit score 20 points > minimum required.<br> - DTI<= 36% which is below requirement in guidelines. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776822 | xxxxxx C B A | Closed | xxxxxx | 2022-10-04 10:07 | 2022-10-04 12:44 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing 35% DTI. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing 35% DTI. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 32.83% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 655 FICO exceeds 620 minimum required.<br>Months Reserves exceed minimum required - 15.71 months reserves and 3 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776822 | xxxxxx C B A | Closed | xxxxxx | 2022-10-04 09:17 | 2022-10-04 12:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 32.83% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 655 FICO exceeds 620 minimum required.<br>Months Reserves exceed minimum required - 15.71 months reserves and 3 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777321 | xxxxxx D B A | Closed | xxxxxx | 2023-01-27 13:28 | 2023-01-27 13:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Property zoned as xxxxxx not allowed by guidelines - property does not reflect any xxxxxx or income producing; Lender exception request and Investor Exception approval in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Property zoned as Agricultural Estate not allowed by guidelines - property does not reflect any agricultural usage or income producing; Lender exception request and Investor Exception approval in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 99 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below max allowed | - Stable Income and Employment History<br> -26 months in reserves (audit is missing verification of proceeds from sale to <br> confirm 24 additional months)<br> - Low DTI 12.59/15.45<br> - FICO 779<br> - Residual Income $118,619.12<br> - Value $30K > PP |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777321 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 12:03 | 2022-09-09 13:31 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Unsatisfactory Chain of Title provided -24 Month chain of title not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 99 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below max allowed |  | xxxxxx - SUBJECT PROPERTY PROFILE.pdf<br>xxxxxx - 24 mo chain.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777321 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 13:42 | 2022-09-09 13:30 | Resolved | 1 - Information A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-xxxxxx <br>Rescinded-Asset 4 Does Not Meet Guideline Requirements - Due Diligence Vendor-xxxxxx |  | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-xxxxxx <br>Rescinded-Asset 4 Does Not Meet Guideline Requirements - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 99 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below max allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777321 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 13:42 | 2022-09-09 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Asset 4 Missing - Missing Final HUD for sale of property - required to verify payoff as well as funds to close 492k - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 99 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below max allowed |  | xxxxxx - FUNDS TO CLOSE 492K.pdf<br>xxxxxx - FINAL HUD FOR SALE PROP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777322 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-09 11:16 | 2022-09-12 16:37 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved--Prior license provided showing active during appraisal inspection. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Pls. see attached prior appraiser license copy with expiration date xxxxxx. The appraiser recently renewed that's why the online search shows xxxxxx with expiration date for xxxxxx. - Seller-xxxxxx <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Appraiser license effective on xxxxxx was not active at time of inspection on xxxxxx; no prior license. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Pls. see attached prior appraiser license copy with expiration date xxxxxx. The appraiser recently renewed that's why the online search shows xxxxxx with expiration date for xxxxxx. - Seller-xxxxxx | Resolved--Prior license provided showing active during appraisal inspection. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 22 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  | xxxxxx_License_1327216 (002).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777322 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-09 10:56 | 2022-09-12 16:41 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Unsatisfactory Chain of Title provided -24 month chain of title not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 22 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  | xxxxxx_Title Search Package-SP-Chain of Title_323014.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777322 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-09 11:16 | 2022-09-12 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Validation Resolved - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Purchase Contract missing from file. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Validation Resolved - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 22 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  | xxxxxx_PURCHASE CONTRACT.pdf<br>xxxxxx_Addendum for Property Subject to Mandatory Membership.pdf<br>xxxxxx_Third Party Financing Addendum For Credit Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777322 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-09 11:22 | 2022-09-12 08:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Missing Flood Certificate - Flood Certificate not found in file - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Flood Certificate is fully present - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 22 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  | xxxxxx_FLOOD CERTIFICATION (6).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777322 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-09 11:22 | 2022-09-12 08:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Missing Hazard Insurance Policy - HOI policy not found in file. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 22 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  | xxxxxx_RCE.pdf<br>xxxxxx_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777322 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-12 08:10 | 2022-09-12 08:11 | Waived | 2 - Non-Material A B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--NEW - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 34% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 22 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777445 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-15 18:07 | 2022-09-21 14:38 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Updated appraisal provided reflecting units owner occupied and rented as same as questionnaire. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-- Appraisal reflect number of units owner occupied xxxxxx rented . However, Condo Questionnaire reflect owner occupied and second homes xxxxxx. Provide clarification on total number of units owner occupied and rental.<br> - Also, Condo questionnaire indicate Project has xxxxxx/ xxxxxx. Appraisal did not indicate any special characteristics of the project. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Updated appraisal provided reflecting units owner occupied and rented as same as questionnaire. - Due Diligence Vendor xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 74 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777 is at least 20 points above minimum for program 660. |  | xxxxxx - APPRAISAL REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777445 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-15 17:54 | 2022-09-22 10:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Investor approval provided. - Due Diligence Vendor-xxxxxx <br> Waived--Qualifying income based on 12 months business bank statements with Borrower 25% ownership in business . Guidelines require 50% or more. Investor approval in file. - Due Diligence Vendor-xxxxxx |  | Waived-WAIVED - Investor approval provided. - Deemed non-material with 35.59% LTV, 74 months reserves, 41% DTI and 777 FICO. 1 of 3 accounts for business is a US Account per HSBC VOD and ledger. Utilizing only the 1 account and excluding the other 2 foreign accounts. - Due Diligence Vendor-xxxxxx <br>Waived--Qualifying income based on 12 months business bank statements with Borrower 25% ownership in business . Guidelines require 50% or more. Investor approval in file. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 74 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777 is at least 20 points above minimum for program 660. | -LTV 35.59%<br> - Excellent Residual Income<br> - Established businessman. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 777445 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-15 17:54 | 2022-09-21 14:40 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements - Borrower explanation letter and title reflect Daughter owns home. Borrower has no vested interest for 12 mos as required per guides. Investor approval in file. - Due Diligence Vendor-xxxxxx |  | Waived-Cash Out Does Not Meet Guideline Requirements - Borrower explanation letter and title reflect Daughter owns home. Borrower has no vested interest for 12 mos as required per guides. Investor approval in file.<br>- Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 74 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777 is at least 20 points above minimum for program 660. | -LTV 35.59%<br> - Excellent Residual Income<br> - Established businessman. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 777445 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-15 13:52 | 2022-09-21 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved--Received death certificate for ex-spouse. Able to verify via Fraud Report. - Due Diligence Vendor-xxxxxx <br> Counter--Received ex spouse death certificate. Missing fully executed divorce decree - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Borrower was divorced and then ex-wife passed away. Pls. see attached copy of death cert. - Seller-xxxxxx <br> Open--Provide complete and fully executed Divorce Decree, Borrower states was divorced in xxxxxx - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Borrower was divorced and then ex-wife passed away. Pls. see attached copy of death cert. - Seller-xxxxxx | Resolved--Received death certificate for ex-spouse. Able to verify via Fraud Report. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 74 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777 is at least 20 points above minimum for program 660. |  | xxxxxx - EX-SPOUSE DEATH CERT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777445 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-15 16:48 | 2022-09-19 13:06 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Investor exception approval in file for income documentation used to calculate monthly income - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Pls. see attached approval from xxxxxx regarding documentation along with VOD for #xxxxxx. - Seller-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - xxxxxx account xxxxxx, would require translation per guideline. Furthermore, guidelines do not allow business bank statements to be used for Foreign Income. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Pls. see attached approval from xxxxxx regarding documentation along with VOD for #xxxxxx- Seller-xxxxxx | Resolved--Investor exception approval in file for income documentation used to calculate monthly income - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 74 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777 is at least 20 points above minimum for program 660. |  | xxxxxx - UW EXCEPTION.pdf<br>xxxxxx - VOD'S.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777445 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-15 16:48 | 2022-09-19 13:05 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 74 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777445 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-15 16:37 | 2022-09-19 13:04 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Investor exception approval in file for income documentation used to calculate monthly income - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Verus accepted the documentations as is. Pls. see attached approval. Also, pls. refer to VOD on page 4 of the 2nd attachment to validate the account #xxxxxx. - Seller-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines - Based on income provided by the Lender, audit cannot calculate income and utilized the Lenders figured for DTI purpose. Income based on 12 months business bank Statements from xxxxxx Foreign account xx4838, would require translation per guideline. Furthermore, guidelines do not allow business bank statements to be used for Foreign Income. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded.xxxxxx accepted the documentations as is. Pls. see attached approval. Also, pls. refer to VOD on page 4 of the 2nd attachment to validate the account xxxxxx - Seller-xxxxxx | Resolved--Investor exception approval in file for income documentation used to calculate monthly income - Due Diligence Vendor xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 74 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777 is at least 20 points above minimum for program 660. |  | xxxxxx - VOD'S.pdf<br>xxxxxx - UW EXCEPTION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777445 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-15 12:03 | 2022-09-19 12:38 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Received Deed - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Property Title Issue - Provide Title that matches the Vesting as shown on the Mortgage. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received Deed - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 74 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777 is at least 20 points above minimum for program 660. |  | xxxxxx - DEED FOR VESTING CHANGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777445 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-15 13:10 | 2022-09-19 12:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-The Final 1003 is Incomplete - Provide an updated 1003 with correct primary residence for the borrower. 1003 reflects Borrower renting the subject property for the past 6 years. which is not the case. Documentation in file reflects the Borrower rents his primary residence xxxxxx and this is paid by xxxxxx xxxxxx xxxxxx as a VOR. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 74 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777 is at least 20 points above minimum for program 660. |  | xxxxxx - FINAL 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777845 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-07 22:18 | 2022-12-23 09:48 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Resolved--Client response: UW used cash-out rule to cover the bad xxxxxx(Reserves are sufficient to cover outstanding balance and meet reserve requirement) and did include the Lease payment in my calculations<br> -(AUDIT RESPONSE) - Upon further review, Lease has been included in DTI and xxxxxx account balance has been removed from cash out balance - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - xxxxxx #xxxxxx charge off not showing as being paid off at close ($28730) and xxxxxx Lease of $335 not included in DTI. Audit Included $862 payment for xxxxxx and $335 for lease in DTI . - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Client response: UW used cash-out rule to cover the bad xxxxxx(Reserves are sufficient to cover outstanding balance and meet reserve requirement) and did include the Lease payment in my calculations<br> -(AUDIT RESPONSE) - Upon further review, Lease has been included in DTI and xxxxxx account balance has been removed from cash out balance - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 46 months reserves exceed required 2 months by 40 months<br>LTV is less than guideline maximum - - LTV 54.55% is 10.45% lower than maximum 65% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777845 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-07 21:17 | 2022-12-14 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received GPA report - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Borrower 2 Gap Credit Report is Missing<br> - Material due to audit DTI 63% and Lender DTI 47% with max allowable 50% - Due Diligence Vendor-xxxxxx |  | Resolved--Received GPA report - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 46 months reserves exceed required 2 months by 40 months<br>LTV is less than guideline maximum - - LTV 54.55% is 10.45% lower than maximum 65% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777845 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-08 08:29 | 2022-12-14 17:23 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Resolved--Client response: UW used cash-out rule to cover the bad xxxxxx(Reserves are sufficient to cover outstanding balance and meet reserve requirement) and did include the Lease payment in my calculations<br> -(AUDIT RESPONSE) - Upon further review, Lease has been included in DTI and xxxxxx account balance has been removed from cash out balance - Due Diligence Vendor-xxxxxx <br> Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements - xxxxxx #xxxxxx charge off not showing as being paid off at close ($28730). (Audit Included $862 payment for xxxxxx in DTI. - Due Diligence Vendor-xxxxxx |  | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Resolved--Client response: UW used cash-out rule to cover the bad xxxxxx (Reserves are sufficient to cover outstanding balance and meet reserve requirement) and did include the Lease payment in my calculations<br> -(AUDIT RESPONSE) - Upon further review, Lease has been included in DTI and xxxxxx account balance has been removed from cash out balance - Due Diligence Vendor-xxxxxx <br>Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 46 months reserves exceed required 2 months by 40 months<br>LTV is less than guideline maximum - - LTV 54.55% is 10.45% lower than maximum 65% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777845 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-07 22:17 | 2022-12-12 11:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Client response: UW used cash-out rule to cover the bad xxxxxx(Reserves are sufficient to cover outstanding balance and meet reserve requirement) and did include the Lease payment in my calculations<br> -(AUDIT RESPONSE) - Upon further review, Lease has been included in DTI and xxxxxx account balance has been removed from cash out balance - Due Diligence Vendor-xxxxxx <br> Resolved-Audited DTI of 45.48% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 63.46% exceeds Guideline DTI of 50% - xxxxxx #xxxxxx charge off not showing as being paid off at close ($28730) and xxxxxx Lease of $335 not included in DTI. Audit Included $862 payment for xxxxxx and $335 for lease in DTI. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: UW used cash-out rule to cover the bad xxxxxx(Reserves are sufficient to cover outstanding balance and meet reserve requirement) and did include the Lease payment in my calculations<br> -(AUDIT RESPONSE) - Upon further review, Lease has been included in DTI and xxxxxx account balance has been removed from cash out balance - Due Diligence Vendor-xxxxxx <br>Resolved-Audited DTI of 45.48% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 46 months reserves exceed required 2 months by 40 months<br>LTV is less than guideline maximum - - LTV 54.55% is 10.45% lower than maximum 65% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777845 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-07 21:36 | 2022-12-08 10:11 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Borrower 1 Credit Report is Partially Present. - Both borrowers Credit report are 99 days old exceeds guideline max of 90. Investor exception approval in file. - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Credit Report is Partially Present. - Both borrowers Credit report are 99 days old exceeds guideline max of 90. Investor exception approval in file. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 46 months reserves exceed required 2 months by 40 months<br>LTV is less than guideline maximum - - LTV 54.55% is 10.45% lower than maximum 65% | -Residual income more than 2x the amount required by guidelines<br> - Reserves exceed requirement by 10 months or more |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 777845 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-07 12:26 | 2022-12-23 10:40 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Lender credit on Final CD xxxxxx are sufficient for cure. - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $940.80.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). State Tax Stamps and Verification of Employment fees increased from $0 on the initial LE: xxxxxx to $940.80 on the final CD: xxxxxx. Please provide a valid change of circumstance for the $940.80 increase or evidence of refund in the amount $940.80 no later than 60 calendar days after consummation date of xxxxxx.<br> Statute of Limitations - Three years<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Lender credit on Final CD xxxxxx are sufficient for cure. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 46 months reserves exceed required 2 months by 40 months<br>LTV is less than guideline maximum - - LTV 54.55% is 10.45% lower than maximum 65% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777898 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 10:56 | 2022-10-05 14:26 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-Public assistance available for xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Public assistance available for xxxxxx (xxxxxx). Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 654 FICO exceeds 620 minimum required.<br>Qualifying DTI below maximum allowed - 38.62% DTI is less than 50% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777898 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 10:21 | 2022-10-07 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received credit supplement to verify HELOC monthly payment - Due Diligence Vendor-xxxxxx <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - File contains a HELOC history on the primary residence showing that they took an advance of 254k on xxxxxx with a new outstanding balance of 499k . Provide evidence of HELOC payment based on this higher amount in order to calculate the DTI. Guides state if no pmt disclosed, must use 5% of the outstanding balance to calculate the DTI. A 20k monthly pmt would cause DTI to be out of tolerance. - Due Diligence Vendor-xxxxxx |  | Resolved--Received credit supplement to verify HELOC monthly payment - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 654 FICO exceeds 620 minimum required.<br>Qualifying DTI below maximum allowed - 38.62% DTI is less than 50% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777898 | xxxxxx C B A | Closed | xxxxxx | 2022-10-04 17:10 | 2022-10-05 14:29 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines - CPA letter dated xxxxxx is > 90 days old . Loan closed xxxxxx. Off by 16 days - Due Diligence Vendor-xxxxxx |  | Waived-Income and Employment Do Not Meet Guidelines - CPA letter dated xxxxxx is > 90 days old . Loan closed xxxxxx. Off by 16 days - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 654 FICO exceeds 620 minimum required.<br>Qualifying DTI below maximum allowed - 38.62% DTI is less than 50% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777898 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 13:56 | 2022-10-05 14:01 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Waived-The Business Purpose Affidavit Disclosure is Missing Business purpose in file reflects a principal amount of xxxxxx. It should be xxxxxx. Provide an updated Business purpose. Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx |  | Waived-The Business Purpose Affidavit Disclosure is Missing Business purpose in file reflects a principal amount of $xxxxxx. It should be $xxxxxx Provide an updated Business purpose. Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 654 FICO exceeds 620 minimum required.<br>Qualifying DTI below maximum allowed - 38.62% DTI is less than 50% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777957 | xxxxxx D B A | Closed | xxxxxx | 2022-09-13 14:52 | 2022-09-26 20:53 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Received questionnaire - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Missing Condo Questionnaire - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Received questionnaire - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 699 is greater than the guideline minimum of 660.<br>Qualifying DTI below maximum allowed - - DTI of 40% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777957 | xxxxxx D B A | Closed | xxxxxx | 2022-09-13 15:00 | 2022-09-14 10:19 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - No evidence hazard insurance was in effect as of the note date. Disbursement date is xxxxxx, finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - No evidence hazard insurance was in effect as of the note date. Disbursement date is xxxxxx, finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 699 is greater than the guideline minimum of 660.<br>Qualifying DTI below maximum allowed - - DTI of 40% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777957 | xxxxxx D B A | Closed | xxxxxx | 2022-09-13 15:32 | 2022-09-14 10:18 | Waived | 2 - Non-Material B | Credit | Assets | Asset 2 Less Than 2 Months Verified | Waived-Asset 2 Less Than 2 Months Verified - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 2 Less Than 2 Months Verified - Finding deemed non-material with a DTI of 40.24, LTV of 75% and reserves of 42.48 exceed required 6 months. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 699 is greater than the guideline minimum of 660.<br>Qualifying DTI below maximum allowed - - DTI of 40% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777957 | xxxxxx D B A | Closed | xxxxxx | 2022-09-13 15:32 | 2022-09-14 10:18 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Finding deemed non-material with a DTI of 40.24, LTV of 75% and reserves of 42.48 exceed required 6 months. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 699 is greater than the guideline minimum of 660.<br>Qualifying DTI below maximum allowed - - DTI of 40% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777957 | xxxxxx D B A | Closed | xxxxxx | 2022-09-13 10:04 | 2022-09-13 10:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 699 is greater than the guideline minimum of 660.<br>Qualifying DTI below maximum allowed - - DTI of 40% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777964 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 10:45 | 2022-10-06 09:27 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Missing evidence security deposit $1,000 or monthly rental $1,500 was deposited for xxxxxx. Converted departure to investment. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Required reserves 8 months, borrower has 16 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum FICO required 700, borrower FICO 729. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777964 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 11:21 | 2022-09-19 13:59 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Guidelines require 60-day statements for assets. xxxxxx #xxxxxx and #xxxxxx only 30 day statements were provided - Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Guidelines require 60-day statements for assets. xxxxxx #xxxxxxand #xxxxxx only 30 day statements were provided<br> - Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Required reserves 8 months, borrower has 16 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum FICO required 700, borrower FICO 729. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777964 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 11:07 | 2022-09-19 13:56 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present. - Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present.<br> - Considered non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Required reserves 8 months, borrower has 16 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum FICO required 700, borrower FICO 729. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777964 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 10:15 | 2022-09-19 13:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Property located in a Rural location and under xxxxxx. This is allowable per GL. - Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Property located in a Rural location and under xxxxxx. This is allowable per GL.<br> - Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Required reserves 8 months, borrower has 16 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum FICO required 700, borrower FICO 729. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777964 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 10:15 | 2022-09-19 13:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Required reserves 8 months, borrower has 16 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum FICO required 700, borrower FICO 729. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777964 | xxxxxx C B A | Closed | xxxxxx | 2022-09-15 11:43 | 2022-09-16 09:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Months Reserves exceed minimum required - - Required reserves 8 months, borrower has 16 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum FICO required 700, borrower FICO 729. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777968 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 13:20 | 2022-09-27 05:08 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved--Received corrected HOI policy - Due Diligence Vendor-xxxxxx <br>Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-xxxxxx <br>Open-Subject Property on Note does not match Insured Property Address - HOI Policy shows xxxxxx. Correct address is xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected HOI policy - Due Diligence Vendor-xxxxxx <br>Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 782 above minimum required of 700.<br>Qualifying DTI below maximum allowed - DTI of 41% below max allowed of 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 777968 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 13:02 | 2022-09-27 05:06 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved--US Immigration Services letter in file extends EAD for an additional 360 days beyond the normal 180 days for a total of 540 day extension. - Due Diligence Vendor xxxxxx <br> Open--Employment Authorization card expired xxxxxx and closing date was xxxxxx. EAD extension letter in file states the extension is good for 180 days from the expiration date on card. This expiration date extends current EAD card until xxxxxx. Missing evidence borrower has received an additional extension or new card. - Due Diligence Vendor-xxxxxx |  | Resolved--US Immigration Services letter in file extends EAD for an additional 360 days beyond the normal 180 days for a total of 540 day extension. - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 782 above minimum required of 700.<br>Qualifying DTI below maximum allowed - DTI of 41% below max allowed of 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 777968 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 13:44 | 2022-09-16 11:52 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Finding is deemed non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing Finding is deemed non-material with a DTI of 4.15%, mid FICO of 782 and a LTV of 78.26% --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 782 above minimum required of 700.<br>Qualifying DTI below maximum allowed - DTI of 41% below max allowed of 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 777968 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 13:49 | 2022-09-16 11:50 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Considered non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Considered non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 782 above minimum required of 700.<br>Qualifying DTI below maximum allowed - DTI of 41% below max allowed of 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 777968 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 14:12 | 2022-09-16 11:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.13 month(s) are less than Guideline Required Reserves of 6 month(s) - Six months required for subject property. Reserves are short by 0.87. Finding is deemed non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 5.13 month(s) are less than Guideline Required Reserves of 6 month(s) - Six months required for subject property. Reserves are short by 0.87. Finding is deemed non-material due to a mid FICO of 782, DTI of 41.15% and an LTV of 78.26% --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 782 above minimum required of 700.<br>Qualifying DTI below maximum allowed - DTI of 41% below max allowed of 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 777968 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 06:54 | 2022-09-14 09:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 782 above minimum required of 700.<br>Qualifying DTI below maximum allowed - DTI of 41% below max allowed of 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 777969 | xxxxxx B A | Closed | xxxxxx | 2022-09-14 10:17 | 2022-09-14 10:40 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Considered non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI 28% with max DTI allowed of 49.99%<br>Months Reserves exceed minimum required - Reserves required four, borrower has 12.82 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777969 | xxxxxx B A | Closed | xxxxxx | 2022-09-13 12:13 | 2022-09-14 10:39 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx #xxxxxx and xxxxxx #xxxxxx Two months are required per guides. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx and xxxxxx . Two months are required per guides. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI 28% with max DTI allowed of 49.99%<br>Months Reserves exceed minimum required - Reserves required four, borrower has 12.82 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777969 | xxxxxx B A | Closed | xxxxxx | 2022-09-13 10:47 | 2022-09-14 09:59 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Final CD disbursement date xxxxxx with Seller CD disbursement date of xxxxxx. Prepaids list $738 to xxxxxx. - Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Final CD disbursement date xxxxxx with Seller CD disbursement date of xxxxxx. Prepaids list $738 to xxxxxx <br> - Considered non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI 28% with max DTI allowed of 49.99%<br>Months Reserves exceed minimum required - Reserves required four, borrower has 12.82 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777970 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 18:10 | 2022-09-27 05:15 | Resolved | 1 - Information A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review - Due Diligence Vendor-xxxxxx <br>Open--Missing Desk Review. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 42.49% is lower than the guideline allowable of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 759 exceeds the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777970 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 11:47 | 2022-09-27 05:14 | Resolved | 1 - Information A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-xxxxxx <br>Rescinded- - Due Diligence Vendor-xxxxxx <br>Open-Appraisal is Missing - Missing Desk Review - Due Diligence Vendor-xxxxxx |  | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 42.49% is lower than the guideline allowable of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 759 exceeds the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777970 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 12:24 | 2022-09-27 05:17 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received corrected/complete verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br>Open-Income and Employment Do Not Meet Guidelines - VVOE incomplete missing 1. Is borrower currently Employed? 2. Does the employee have any ownership? - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected/complete verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 42.49% is lower than the guideline allowable of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 759 exceeds the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777970 | xxxxxx C B A | Closed | xxxxxx | 2022-09-12 16:55 | 2022-09-14 18:12 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Prepaids on final CD show $797.00 to xxxxxx borrower signed xxxxxx with disbursement date xxxxxx. evidence insurance was in force as of the date of the CD required. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI of 42.49% is lower than the guideline allowable of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 759 exceeds the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777970 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 09:14 | 2022-09-14 12:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.34 month(s) are less than Guideline Required Reserves of 6 month(s) - missing adequate reserves. There is a gift letter in the file for 200,000 which would provide sufficient assets but no evidence of receipt. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 4.34 month(s) are less than Guideline Required Reserves of 6 month(s) - missing adequate reserves. There is a gift letter in the file for 200,000 which would provide sufficient assets but no evidence of receipt. <br> Considered non-material due to;<br> - FICO 751 w/ min 720<br> - DTI 41.74% w/ max 49.99%<br> - LTV 79.97% w/ max 80%<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 42.49% is lower than the guideline allowable of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 759 exceeds the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777970 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 09:08 | 2022-09-14 12:20 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx accounts #xxxxxx and #xxxxxx Two months are required per guides. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx accounts #5099 and #6250. Two months are required per guides.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 42.49% is lower than the guideline allowable of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 759 exceeds the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777970 | xxxxxx C B A | Closed | xxxxxx | 2022-09-12 17:18 | 2022-09-14 12:17 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Loan Officer are present - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Loan Officer are present<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 42.49% is lower than the guideline allowable of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 759 exceeds the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777970 | xxxxxx C B A | Closed | xxxxxx | 2022-09-12 12:21 | 2022-09-12 13:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 42.49% is lower than the guideline allowable of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 759 exceeds the guideline minimum of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777972 | xxxxxx D B | Closed | xxxxxx | 2022-09-15 09:34 | 2022-09-16 11:02 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-Public assistance available for xxxxxx. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Public assistance available for xxxxxx (xxxxxx). --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 38.69% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 775 FICO is less than 700 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777972 | xxxxxx D B | Closed | xxxxxx | 2022-09-15 09:01 | 2022-09-27 05:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received updated credit report showing DLA xxxxxx - Due Diligence Vendor-xxxxxx <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence that xxxxxx mortgage payments made for xxxxxx #xxxxxx and #xxxxxx for xxxxxx and xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated credit report showing xxxxxx - Due Diligence Vendor-xxxxxx <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 38.69% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 775 FICO is less than 700 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 777972 | xxxxxx D B | Closed | xxxxxx | 2022-09-15 09:17 | 2022-09-27 05:28 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received updated credit report showing DLA xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing evidence that xxxxxx mortgage payments made for xxxxxx #xxxxxx and #xxxxxx for xxxxxx and xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received updated credit report showing DLA 05/2022 - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 38.69% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 775 FICO is less than 700 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 777972 | xxxxxx D B | Closed | xxxxxx | 2022-09-15 09:01 | 2022-09-27 05:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received credit refresh with no new credit - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Finding remains material due to housing history Finding. - Due Diligence Vendor-xxxxxx |  | Resolved--Received credit refresh with no new credit - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 38.69% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 775 FICO is less than 700 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 777972 | xxxxxx D B | Closed | xxxxxx | 2022-09-14 15:43 | 2022-09-16 11:06 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, seller, mortgage broker and loan officer. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, seller, mortgage broker and loan officer. --Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 38.69% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 775 FICO is less than 700 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777972 | xxxxxx D B | Closed | xxxxxx | 2022-09-14 16:04 | 2022-09-16 11:05 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date is xxxxxx. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date is xxxxxx. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 38.69% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 775 FICO is less than 700 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777972 | xxxxxx D B | Closed | xxxxxx | 2022-09-14 12:13 | 2022-09-14 14:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 38.69% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 775 FICO is less than 700 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777980 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 12:19 | 2022-09-14 14:26 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Considered non material - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. 727 fico, excellent credit history with a .05 credit usage ratio. Considered non material - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 727 FICO exceeds 700 minimum required. | Investor waiver applied to non-material finding |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777980 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 12:38 | 2022-09-14 09:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 2.53 month(s) are less than Guideline Required Reserves of 6 month(s) Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 2.53 month(s) are less than Guideline Required Reserves of 6 month(s) Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 727 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777980 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 12:28 | 2022-09-14 09:23 | Waived | 2 - Non-Material B | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Waived-Asset 4 Does Not Meet Guideline Requirements -$50,000 gift from cousin was wired to title on xxxxxx or after xxxxxx disbursement date. Funds required for closing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 4 Does Not Meet Guideline Requirements - xxxxxx gift from cousin was wired to title on xxxxxx or after xxxxxx disbursement date. Funds required for closing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 727 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777980 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 11:22 | 2022-09-14 09:21 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers and loan officer. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers and loan officer. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 727 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777980 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 12:01 | 2022-09-14 09:15 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - disbursement date xxxxxx, therefore, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - disbursement date xxxxxx, therefore, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 727 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777980 | xxxxxx B A | Closed | xxxxxx | 2022-09-11 12:21 | 2022-09-11 21:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 727 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777981 | xxxxxx C B A | Closed | xxxxxx | 2022-09-15 11:02 | 2022-09-27 11:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received written VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br>Open-Income and Employment Do Not Meet Guidelines - Missing income documentation supporting $7,420 monthly income used to qualify.<br> - Provide income documentation allowable Per Portfolio Reduced Doc Program - Due Diligence Vendor-xxxxxx |  | Resolved--Received written VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 37.24% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 777981 | xxxxxx C B A | Closed | xxxxxx | 2022-09-15 11:25 | 2022-09-27 11:35 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received written VOE - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Missing income documentation supporting xxxxxx monthly income used to qualify.<br> - Provide income documentation allowable Per Portfolio Reduced Doc Program - Due Diligence Vendor-xxxxxx |  | Resolved--Received written VOE - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 37.24% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 777981 | xxxxxx C B A | Closed | xxxxxx | 2022-09-15 11:28 | 2022-09-16 11:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 3.9 month(s) are less than Guideline Required Reserves of 4 month(s) Considered non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 3.9 month(s) are less than Guideline Required Reserves of 4 month(s) Considered non-material due to;<br> - LTV 37.24% w/ max 75%<br> - DTI 40.97% w/ max 49.99%<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 37.24% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 777981 | xxxxxx C B A | Closed | xxxxxx | 2022-09-15 09:54 | 2022-09-16 11:23 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, mortgage broker and loan officer. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, mortgage broker and loan officer.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 37.24% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 777981 | xxxxxx C B A | Closed | xxxxxx | 2022-09-14 09:01 | 2022-09-14 13:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | LTV is less than guideline maximum - 37.24% LTV is less than 75% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 777983 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 11:03 | 2022-09-14 11:40 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Asset Record 1 Does Not Meet G/L Requirements Sixty days history required, only thirty days provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset Record 1 Does Not Meet G/L Requirements Sixty days history required, only thirty days provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - Calculated DTI 41%, allowable DTI 49.99%<br>Verified employment history exceeds guidelines - Minimum self employment required two years, five years verified on CPA letter. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777983 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 10:50 | 2022-09-14 11:40 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - soft pull. 41% DTI. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - soft pull. 41% DTI. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - Calculated DTI 41%, allowable DTI 49.99%<br>Verified employment history exceeds guidelines - Minimum self employment required two years, five years verified on CPA letter. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777983 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 09:31 | 2022-09-14 11:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Issue | Waived-Missing addendum to purchase contract confirming agreement for seller concession of $20,000 as shown on final CD. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Missing addendum to purchase contract confirming agreement for seller concession of $20,000 as shown on final CD. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - Calculated DTI 41%, allowable DTI 49.99%<br>Verified employment history exceeds guidelines - Minimum self employment required two years, five years verified on CPA letter. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777983 | xxxxxx B A | Closed | xxxxxx | 2022-09-14 11:28 | 2022-09-14 11:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 7.03 month(s) are less than Guideline Required Reserves of 8 month(s) - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 7.03 month(s) are less than Guideline Required Reserves of 8 month(s) - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - Calculated DTI 41%, allowable DTI 49.99%<br>Verified employment history exceeds guidelines - Minimum self employment required two years, five years verified on CPA letter. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777983 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 09:54 | 2022-09-14 10:46 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - Calculated DTI 41%, allowable DTI 49.99%<br>Verified employment history exceeds guidelines - Minimum self employment required two years, five years verified on CPA letter. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777983 | xxxxxx B A | Closed | xxxxxx | 2022-09-11 10:29 | 2022-09-11 11:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Calculated DTI 41%, allowable DTI 49.99%<br>Verified employment history exceeds guidelines - Minimum self employment required two years, five years verified on CPA letter. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777989 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 13:01 | 2022-10-21 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved--Received contract addendum showing xxxxxx as Seller. - Due Diligence Vendor-xxxxxx <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx <br>Counter--Received OFAC for xxxxxx", name of Agent on purchase Agreement i xxxxxx'. Provide revised OFAC search - Due Diligence Vendor-xxxxxx <br>Counter--Received OFAC for Borrower. Missing OFAC/Exclusionary list for Seller - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC lists. Borrower is present however Seller is missing - Due Diligence Vendor-xxxxxx |  | Resolved--Received contract addendum showing xxxxxx as Seller. - Due Diligence Vendor-xxxxxx <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 41.15% is 8.84% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777989 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 13:07 | 2022-10-03 09:58 | Resolved | 1 - Information A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - VVOE incomplete. The following questions are not complete- 1. Is borrower currently Employed? 2. Does the employee have any ownership? - Due Diligence Vendor-xxxxxx |  | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 41.15% is 8.84% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777989 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 13:07 | 2022-10-03 09:58 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 41.15% is 8.84% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777989 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 12:42 | 2022-09-27 07:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Received corrected verbal VOE - Due Diligence Vendor-xxxxxx <br>Open-Income and Employment Do Not Meet Guidelines - VVOE incomplete. The following questions are not complete- 1. Is borrower currently Employed? 2. Does the employee have any ownership? - Due Diligence Vendor-xxxxxx |  | Resolved-Income and Employment Meet Guidelines - Received corrected verbal VOE - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 41.15% is 8.84% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777989 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 13:12 | 2022-09-14 14:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Audited Reserves of 3.59 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 41.15% is 8.84% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777989 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 12:36 | 2022-09-13 13:18 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-Material final CD disbursement date xxxxxx, HO6 premium not shown on Prepaids. Per Condo Master HO6 is not included or required as Condo master Guaranteed Replacement Cost xxxxxx Build back to original builder grade minus betterment or improvements. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-Material final CD disbursement date xxxxxx, HO6 premium not shown on Prepaids. Per Condo Master HO6 is not included or required as Condo master Guaranteed Replacement Cost "Walls In" Build back to original builder grade minus betterment or improvements. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 41.15% is 8.84% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777989 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 13:00 | 2022-09-13 13:17 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Within 12 calendar days of closing, 7 business days. Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Within 12 calendar days of closing, 7 business days.<br> Considered non-material due to;<br> - FICO 744 w/ min 700<br> - DTI 41.15% w/ max 49.99%<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 41.15% is 8.84% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777989 | xxxxxx C B A | Closed | xxxxxx | 2022-09-11 11:24 | 2022-09-12 13:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 41.15% is 8.84% lower than maximum 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777991 | xxxxxx D B A | Closed | xxxxxx | 2022-09-29 14:43 | 2022-09-29 14:46 | Waived | 2 - Non-Material A B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived--Assets are from a Gift. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Asset 1 Less Than 2 Months Verified - Due Diligence Vendor-xxxxxx |  | Waived--Assets are from a Gift. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777991 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 06:35 | 2022-09-29 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Received required approval letter - Due Diligence Vendor-xxxxxx <br>Open-Third Party Fraud Report Partially Provided - Missing evidence of management review and approval for 812 score. Any score >= 800 require management approval to proceed with the loan. - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Received required approval letter - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777991 | xxxxxx D B A | Closed | xxxxxx | 2022-09-15 21:46 | 2022-09-29 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved--Received wire receipt from Title company - Due Diligence Vendor-xxxxxx <br>Resolved-Asset 1 Provided - Due Diligence Vendor-xxxxxx <br>Open-Asset 1 Missing - Conditions require evidence of receipt/wire for all closing funds - $271K gift wire not verified. Total Gift covers all closing funds and reserves. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Resolved--Received wire receipt from Title company - Due Diligence Vendor-xxxxxx <br>Resolved-Asset 1 Provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777991 | xxxxxx D B A | Closed | xxxxxx | 2022-09-15 21:40 | 2022-09-20 06:35 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - Missing OFAC and Exclusionary Lists check for all interested parties. OFAC, HUD, LDP, FHFA SCP provided only for borrower, seller, mortgage broker and loan officer. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - Missing OFAC and Exclusionary Lists check for all interested parties. OFAC, HUD, LDP, FHFA SCP provided only for borrower, seller, mortgage broker and loan officer.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777991 | xxxxxx D B A | Closed | xxxxxx | 2022-09-15 21:09 | 2022-09-20 06:28 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - HOI policy not effective at closing xxxxxx; is effective at disbursement on xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - HOI policy not effective at closing xxxxxx; is effective at disbursement on xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777991 | xxxxxx D B A | Closed | xxxxxx | 2022-09-13 13:05 | 2022-09-13 18:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777992 | xxxxxx C B A | Closed | xxxxxx | 2022-09-12 15:25 | 2022-09-27 08:09 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved--Received contract addendum with correct sales price - Due Diligence Vendor-xxxxxx <br>Open-The purchase contract in the file indicates a sale price of xxxxxx. The Appraisal, Commitment Title and CD indicate a sale price of xxxxxx. Please provide an addendum to the contract support this change in terms. - Due Diligence Vendor-xxxxxx |  | Resolved--Received contract addendum with correct sales price - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 8 months reserves exceed the guideline minimum of 6 months, <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 766 exceeds the guideline minimum of 660<br>LTV is less than guideline maximum - - LTV 68.88% is 11.12% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777992 | xxxxxx C B A | Closed | xxxxxx | 2022-09-12 14:46 | 2022-09-15 08:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - missing soft pull prior to closing. - Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - missing soft pull prior to closing. <br> Considered non-material due to;<br> - FICO 766 w/ min 660<br> - LTV 68.88% w/ max 80%<br> - Reserves 2.28 months after required 6 months<br> - DTI 48.56% w/ max 49.99%<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 8 months reserves exceed the guideline minimum of 6 months, <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 766 exceeds the guideline minimum of 660<br>LTV is less than guideline maximum - - LTV 68.88% is 11.12% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777992 | xxxxxx C B A | Closed | xxxxxx | 2022-09-12 14:59 | 2022-09-15 08:24 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #3698. Two months are required per guides.<br> - File contains only 1 month bank statement for xxxxxx account #xxxxxx. Two months are required per guides.<br> - File contains only 1 month bank statement for xxxxxx account #xxxxxx. Two months are required per guides<br> - Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #xxxxxx. Two months are required per guides.<br> - File contains only 1 month bank statement for xxxxxx account #xxxxxx Two months are required per guides.<br> - File contains only 1 month bank statement for xxxxxx account #xxxxxx. Two months are required per guides<br> - Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 8 months reserves exceed the guideline minimum of 6 months, <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 766 exceeds the guideline minimum of 660<br>LTV is less than guideline maximum - - LTV 68.88% is 11.12% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777992 | xxxxxx C B A | Closed | xxxxxx | 2022-09-12 14:48 | 2022-09-15 08:22 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 8 months reserves exceed the guideline minimum of 6 months, <br>Qualifying FICO score is at least 20 points above minimum for program - - FICO score of 766 exceeds the guideline minimum of 660<br>LTV is less than guideline maximum - - LTV 68.88% is 11.12% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777995 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 11:48 | 2022-10-05 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report.<br> Considered material due to;<br> - DTI 48.40% w/ max 49.99%<br> - LTV 80% w/ max 80%<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 748 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777995 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 08:43 | 2022-09-27 08:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Received management approval letter - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br>Open-Third Party Fraud Report Partially Provided - Missing evidence of management review and approval for 860 score. Any score >= 800 require management approval to proceed with the loan. - Due Diligence Vendor-xxxxxx |  | Resolved--Received management approval letter - Due Diligence Vendor-xxxxxx<br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 748 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777995 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 13:05 | 2022-09-20 10:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-- Due Diligence Vendor-xxxxxx |  | Waived-- Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 748 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777995 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 12:53 | 2022-09-19 08:46 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx xxxxxx/xxxxxx. Two months required and only the 06/21/2022 statement provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx xxxxxx/xxxxxx. Two months required and only the xxxxxx statement provided.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 748 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777995 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 11:56 | 2022-09-19 08:43 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer.<br> - Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer.<br> - Considered non-material <br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 748 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777995 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 12:28 | 2022-09-19 08:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 748 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777995 | xxxxxx D B A | Closed | xxxxxx | 2022-09-13 13:04 | 2022-10-05 11:19 | Resolved | 1 - Information C A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved- - Due Diligence Vendor-xxxxxx <br>Resolved--Received ARM disclosure dated xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-ARM Disclosure Not Provided Within 3 Days of Application Date Loan product changed to ARM, xxxxxx. ARM disclosure xxxxxx, not provided within 3 business days.<br> Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | Resolved--Received ARM disclosure dated xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 748 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777995 | xxxxxx D B A | Closed | xxxxxx | 2022-09-13 13:04 | 2022-10-05 11:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved-CHARM Booklet is Present or Not Applicable - Received document - Due Diligence Vendor-xxxxxx <br>Open-CHARM Booklet is Missing Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | Resolved-CHARM Booklet is Present or Not Applicable - Received document - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 748 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777995 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 13:07 | 2022-10-05 11:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Received document - Due Diligence Vendor-xxxxxx <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-xxxxxx |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Received document - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 748 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777998 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-16 14:13 | 2022-09-29 14:59 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Missing HOA questionnaire. Additional findings may apply if there is open litigation or if project is deemed unwarrantable. - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 772 FICO exceeds 680 minimum required.<br>Qualifying DTI below maximum allowed - 30.83% DTI is less than 49.99% maximum.<br>Months Reserves exceed minimum required - 58.49 months of reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777998 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-14 15:23 | 2022-10-20 12:25 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Resolved--Received Trust documents - Due Diligence Vendor-xxxxxx <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing trust cert. File included only an incomplete copy of trust documents. - Due Diligence Vendor-xxxxxx |  | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Resolved--Received Trust documents - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 772 FICO exceeds 680 minimum required.<br>Qualifying DTI below maximum allowed - 30.83% DTI is less than 49.99% maximum.<br>Months Reserves exceed minimum required - 58.49 months of reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777998 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-16 15:22 | 2022-09-19 09:59 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Credit Refresh in file is dated xxxxxx, or after xxxxxx note date. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Credit Refresh in file is dated xxxxxx, or after xxxxxx note date. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 772 FICO exceeds 680 minimum required.<br>Qualifying DTI below maximum allowed - 30.83% DTI is less than 49.99% maximum.<br>Months Reserves exceed minimum required - 58.49 months of reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777998 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-16 15:43 | 2022-09-19 09:58 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer. - Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 772 FICO exceeds 680 minimum required.<br>Qualifying DTI below maximum allowed - 30.83% DTI is less than 49.99% maximum.<br>Months Reserves exceed minimum required - 58.49 months of reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777998 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-16 15:56 | 2022-09-19 09:58 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx #xxxxxx and xxxxxx #xxxxxx. Two months required per guidelines. xxxxxx statement provided for xxxxxx and xxxxxx statement provided for xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx #xxxxxxand xxxxxx #xxxxxx. Two months required per guidelines. xxxxxx statement provided for xxxxxx and xxxxxx statement provided for xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 772 FICO exceeds 680 minimum required.<br>Qualifying DTI below maximum allowed - 30.83% DTI is less than 49.99% maximum.<br>Months Reserves exceed minimum required - 58.49 months of reserves exceeds 10 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778000 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 14:59 | 2022-09-30 10:59 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Updated HOI coverage provided reflecting owner coverage. Premium increased slightly and adjusted in DTI. - Due Diligence Vendor-xxxxxx <br>Open-Insurance policy is form for DP3 Tenant (Non owner Occupied) and also includes rent loss coverage. Loan was approved as a primary purchase. If non-owner occupied, additional findings may apply since loan underwritten for a primary purchase. - Due Diligence Vendor-xxxxxx |  | Resolved-Updated HOI coverage provided reflecting owner coverage. Premium increased slightly and adjusted in DTI. - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - Borrower with current employer for 5.6 years.<br>Qualifying FICO score is at least 20 points above minimum for program - 742 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778000 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 15:07 | 2022-09-29 12:29 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Missing verification of HOA fee (if applicable) for xxxxxx and xxxxxx. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx<br>| Verified employment history exceeds guidelines - Borrower with current employer for 5.6 years.<br>Qualifying FICO score is at least 20 points above minimum for program - 742 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778000 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 16:09 | 2022-09-21 18:15 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Missing verification of HOA fee (if applicable) for xxxxxx and xxxxxx. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Verified employment history exceeds guidelines - Borrower with current employer for 5.6 years.<br>Qualifying FICO score is at least 20 points above minimum for program - 742 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778000 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 16:16 | 2022-09-21 15:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 4.32 month(s) are less than Guideline Required Reserves of 8 month(s) - Guidelines require 6 months reserves for subject property plus additional one-month P&I of each financed REO properties. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx<br>| Verified employment history exceeds guidelines - Borrower with current employer for 5.6 years.<br>Qualifying FICO score is at least 20 points above minimum for program - 742 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778000 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 14:21 | 2022-09-20 09:52 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Waived-Borrower 1 Gap Credit Report is Partially Present. - Soft pull credit report is dated xxxxxx which is after note date of xxxxxx. Considered non material as final DTI is 49% - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Partially Present. - Soft pull credit report is dated xxxxxx which is after note date of xxxxxx. Considered non material as final DTI is 49% - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - Borrower with current employer for 5.6 years.<br>Qualifying FICO score is at least 20 points above minimum for program - 742 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778000 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 15:56 | 2022-09-20 08:42 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx #xxxxxx. File includes xxxxxx statement and history from xxxxxx - xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx #xxxxxx. File includes xxxxxxstatement and history from xxxxxx - xxxxxx<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - Borrower with current employer for 5.6 years.<br>Qualifying FICO score is at least 20 points above minimum for program - 742 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778000 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 14:33 | 2022-09-20 08:41 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer.Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, sellers, mortgage broker and loan officer.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Verified employment history exceeds guidelines - Borrower with current employer for 5.6 years.<br>Qualifying FICO score is at least 20 points above minimum for program - 742 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778005 | xxxxxx C B A | Closed | xxxxxx | 2022-09-16 11:10 | 2022-09-16 13:09 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 9 months exceeds the guideline minimum of 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 805 exceeds the guideline minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778005 | xxxxxx C B A | Closed | xxxxxx | 2022-09-16 13:08 | 2022-09-16 13:08 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Waived-Borrower 1 Credit Report is Missing. Initial credit report is missing from the file. Loan closed on xxxxxx and only Gap credit report from the day of closing is in file. Provide initial 1003. Considered non material as loan closed within 20 days. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Credit Report is Missing. Initial credit report is missing from the file. Loan closed on xxxxxx and only Gap credit report from the day of closing is in file. Provide initial 1003. Considered non material as loan closed within 20 days. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 9 months exceeds the guideline minimum of 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 805 exceeds the guideline minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778005 | xxxxxx C B A | Closed | xxxxxx | 2022-09-16 08:38 | 2022-09-29 15:06 | Resolved | 1 - Information C A | Compliance | #VALUE! | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date ARM disclosure dated 7/21/2022 not provided within 3 days of application date of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 9 months exceeds the guideline minimum of 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 805 exceeds the guideline minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778069 | xxxxxx B A | Closed | xxxxxx | 2022-11-16 10:49 | 2022-11-16 14:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 62% less than max allowed 70%<br>Months Reserves exceed minimum required - -18 months reserves exceeds required 12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778069 | xxxxxx B A | Closed | xxxxxx | 2022-11-16 12:12 | 2022-11-16 13:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $ xxxxxx xxxxxx - Exception requested and approved by investor to allow loan amount exceeding $xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $xxxxxx. - Exception requested and approved by investor to allow loan amount exceeding $xxxxxx. In. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 62% less than max allowed 70%<br>Months Reserves exceed minimum required - -18 months reserves exceeds required 12 months. | -LTV/CLTV 5% or more below the maximum allowed<br> - Residual income more than 2.5x the amount required<br> - Reserves exceed requirement by 6 months or more |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778273 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-04 21:19 | 2022-10-07 13:27 | Resolved | 1 - Information A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved-a PDI was received which shows no damage - Due Diligence Vendor-xxxxxx <br>Open-Individual Assistance declared due to Hurricane xxxxxx. A PDI has been ordered. - Due Diligence Vendor-xxxxxx |  | Resolved-a PDI was received which shows no damage - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 685 is 25 points higher than required 660<br>Months Reserves exceed minimum required - - Reserves of 33 months exceed the guideline minimum of 6 months.<br>Verified employment history exceeds guidelines - Borrower is a teacher with stable income and employment for over 30 years in the field. <br>LTV is less than guideline maximum - - LTV 69.14% is 10.86% lower than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 778273 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-21 15:03 | 2022-10-12 15:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 56.36% exceeds Guideline DTI of 55% - the borrower's income and debts exceed the guideline amount. Please provide additional sources of income if available. 1008 reflects loan amount of xxxxxx. Note loan amount xxxxxx. Increased P&I causing DTI to go over 55%. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 685 is 25 points higher than required 660<br>Months Reserves exceed minimum required - - Reserves of 33 months exceed the guideline minimum of 6 months.<br>Verified employment history exceeds guidelines - Borrower is a teacher with stable income and employment for over 30 years in the field. <br>LTV is less than guideline maximum - - LTV 69.14% is 10.86% lower than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 778273 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-21 16:03 | 2022-10-07 10:18 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Received supporting documentation - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence that the borrower made the mortgage payment due xxxxxx<br> - Material as Mortgage history must be 0x30x12. - Due Diligence Vendor-xxxxxx |  | Resolved-Housing History Meets Guideline Requirements - Received supporting documentation - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 685 is 25 points higher than required 660<br>Months Reserves exceed minimum required - - Reserves of 33 months exceed the guideline minimum of 6 months.<br>Verified employment history exceeds guidelines - Borrower is a teacher with stable income and employment for over 30 years in the field. <br>LTV is less than guideline maximum - - LTV 69.14% is 10.86% lower than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 778273 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-21 15:47 | 2022-09-26 15:21 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved--Received verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: Current Employment Was Verified - Due Diligence Vendo-xxxxxx <br>Open-ATR: Current Employment Not Verified - missing VVOE and WVOE for the borrower's current employment. - Due Diligence Vendor-xxxxxx |  | Resolved--Received verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: Current Employment Was Verified - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 685 is 25 points higher than required 660<br>Months Reserves exceed minimum required - - Reserves of 33 months exceed the guideline minimum of 6 months.<br>Verified employment history exceeds guidelines - Borrower is a teacher with stable income and employment for over 30 years in the field. <br>LTV is less than guideline maximum - - LTV 69.14% is 10.86% lower than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 778273 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-21 14:29 | 2022-09-26 15:19 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br> Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Missing VVOE from Diocese of xxxxxx (Current employer).<br> - Deemed Non-material as 1 month current paystub through xxxxxx with employment contract in file.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br> Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Missing VVOE from xxxxxx of xxxxxx (Current employer).<br> - Deemed Non-material as 1 month current paystub through xxxxxx with employment contract in file.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 685 is 25 points higher than required 660<br>Months Reserves exceed minimum required - - Reserves of 33 months exceed the guideline minimum of 6 months.<br>Verified employment history exceeds guidelines - Borrower is a teacher with stable income and employment for over 30 years in the field. <br>LTV is less than guideline maximum - - LTV 69.14% is 10.86% lower than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 778273 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-21 13:26 | 2022-09-26 15:12 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property is in a Flood Zone that requires Flood Insurance but Flood Insurance is not Present | Resolved-Subject Property is in Flood Zone AE and Flood Insurance is present or not required. - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is in Flood Zone AE but Flood Insurance is not present. - No evidence of flood insurance provided. It appears there may be a master flood policy for the condo association. Not listed on Master Condo Policy declarations page in file. - Due Diligence Vendor-xxxxxx |  | Resolved-Subject Property is in Flood Zone AE and Flood Insurance is present or not required. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 685 is 25 points higher than required 660<br>Months Reserves exceed minimum required - - Reserves of 33 months exceed the guideline minimum of 6 months.<br>Verified employment history exceeds guidelines - Borrower is a teacher with stable income and employment for over 30 years in the field. <br>LTV is less than guideline maximum - - LTV 69.14% is 10.86% lower than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 778273 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-22 11:12 | 2022-09-23 13:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower does not meet residual income requirement | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Residual income of $1747 insufficient - >50% DTI requires $3500 residual. remains material due to 56% DTI - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Credit Score 20 points > minimum required<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 685 is 25 points higher than required 660<br>Months Reserves exceed minimum required - - Reserves of 33 months exceed the guideline minimum of 6 months.<br>Verified employment history exceeds guidelines - Borrower is a teacher with stable income and employment for over 30 years in the field. <br>LTV is less than guideline maximum - - LTV 69.14% is 10.86% lower than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 778273 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-21 16:00 | 2022-09-22 16:24 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived--employment data provided on the final application is insufficient. Dates of employment and monthly income are not listed. Additionally 2 years of employment history are not listed on the application.<br> - Non-material evidence of more than 2 years employment in file - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--employment data provided on the final application is insufficient. Dates of employment and monthly income are not listed. Additionally 2 years of employment history are not listed on the application.<br> - Non-material evidence of more than 2 years employment in file<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 685 is 25 points higher than required 660<br>Months Reserves exceed minimum required - - Reserves of 33 months exceed the guideline minimum of 6 months.<br>Verified employment history exceeds guidelines - Borrower is a teacher with stable income and employment for over 30 years in the field. <br>LTV is less than guideline maximum - - LTV 69.14% is 10.86% lower than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 778273 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 15:54 | 2022-09-26 15:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx <br>Open-The Initial 1003 is Missing The Initial 1003 is missing.<br> Statute of limitations - three years - Due Diligence Vendor-xxxxxx |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 685 is 25 points higher than required 660<br>Months Reserves exceed minimum required - - Reserves of 33 months exceed the guideline minimum of 6 months.<br>Verified employment history exceeds guidelines - Borrower is a teacher with stable income and employment for over 30 years in the field. <br>LTV is less than guideline maximum - - LTV 69.14% is 10.86% lower than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 778275 | xxxxxx D B A | Closed | xxxxxx | 2022-10-04 20:54 | 2022-10-04 20:55 | Resolved | 1 - Information A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved-A PDI was received which reports no damage. - Due Diligence Vendor-xxxxxx <br>Open-Individual Assistance due to Hurricane xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-A PDI was received which reports no damage. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 52 months reserves are 38 months greater than required 14 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778275 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 12:03 | 2022-09-27 16:25 | Waived | 2 - Non-Material A B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-The Calculated DSCR of '0.98' is less than the minimum DSCR per lender guidelines of '1'. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 52 months reserves are 38 months greater than required 14 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778275 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 10:45 | 2022-09-27 13:54 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Counter--Client response: There are 2 months of bank statements to cover 60 days in file as well as multiple statements from Mortgage lien holder we paid off for our subject property to validate 12 month mortgage history. Alternative credit criteria for FRGN has been met<br> -(AUDIT RESPONSE) Program requires 2 12 months tradelines. File contains mortgage history for subject, additional tradeline required. - Due Diligence Vendor-xxxxxx <br> Open-The Alternative Credit Documentation for Foreign National is Missing. - Missing evidence of an additional open tradeline reporting for two (2) years with activity in the most recent 12 months. Two tradelines required and file includes mortgage statements providing a 12-month history for subject property only. The additional tradeline may be via credit report or alternative tradeline as defined in guidelines. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Subject property home ownership > 2 years - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 52 months reserves are 38 months greater than required 14 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778275 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 10:26 | 2022-09-26 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Documentation in file at time of initial review to support primary residence - Due Diligence Vendor-xxxxxx <br>Open--Missing a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Documentation in file at time of initial review to support primary residence - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 52 months reserves are 38 months greater than required 14 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778275 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 11:08 | 2022-09-26 16:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Received title with Item #8/Judgment cleared - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue - Missing evidence that Item 8 Satisfaction of release of judgment was cleared. A monetary value was not disclssed but recordation information provided. - Due Diligence Vendor-xxxxxx |  | Resolved--Received title with Item #8/Judgment cleared - Due Diligence Vendor-xxxxxx<br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 52 months reserves are 38 months greater than required 14 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778275 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 10:14 | 2022-09-26 15:59 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved--Received Exhibit "A" - Due Diligence Vendor-xxxxxx <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-xxxxxx <br>Open-The Deed of Trust is Incomplete - Missing Exhibit A legal description. - Due Diligence Vendor-xxxxxx |  | Resolved--Received Exhibit "A" - Due Diligence Vendor-xxxxxx <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 52 months reserves are 38 months greater than required 14 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778275 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 10:11 | 2022-09-26 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved--Received Visa Waiver Program document showing the Netherlands - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-xxxxxx<br> Open-Borrower Citizenship Documentation Is Missing - Missing valid Visa or I-797 or current print-out of the participating countries in Visa Waiver Program with the borrowers country of origin highlighted. File included a passport from the Kingdom of the Netherlands. - Due Diligence Vendor-xxxxxx |  | Resolved--Received Visa Waiver Program document showing the xxxxxx - Due Diligence Vendor-xxxxxx <br> Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 52 months reserves are 38 months greater than required 14 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778275 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 11:34 | 2022-09-26 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved--Hazard Ins Policy has sufficient coverage - Due Diligence Vendor-xxxxxx <br> Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-xxxxxx <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Missing replacement cost estimator documenting $xxxxxx coverage is adequate. - Due Diligence Vendor-xxxxxx |  | Resolved--Hazard Ins Policy has sufficient coverage - Due Diligence Vendor-xxxxxx <br>Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 52 months reserves are 38 months greater than required 14 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778275 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 12:09 | 2022-09-23 13:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 70% exceeds Guideline LTV of 55% - Max LTV/CLTV/HLTV for cash out refinance with < 1 DSCR is 60% less 5% reduction for no lease/vacant . - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Subject property home ownership > 2 years<br> - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 52 months reserves are 38 months greater than required 14 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-20 14:16 | 2022-09-27 13:08 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Received appraisal - Due Diligence Vendor-xxxxxx <br> Open-Appraisal is Missing - Missing second required appraisal completed by xxxxxx on xxxxxx for xxxxxx per xxxxxx in file. - Due Diligence Vendor-xxxxxx |  | Resolved-Appraisal is Present or is Waived - Received appraisal - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-20 13:20 | 2022-09-21 20:19 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). Home Loan Toolkit dated xxxxxx, not provided within 3 days of Application Date of xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Public assistance available for FEMA disaster declared xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-20 16:17 | 2022-10-12 08:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Supporting documentation provided - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing additional 4 months of housing payment history for primary xxxxxx to complete 12-month history required.. Mortgage supplement confirms 5 months with xxxxxx #xxxxxxand an additional 3 months with xxxxxx #xxxxxx confirmed for prior mortgage loan reported on credit report. Unable to determine if a third mortgage tradeline with xxxxxx #xxxxxx is tied to the primary since it reports $0 for the original mortgage amount. Borrowers have lived at xxxxxx for 6 years. - Due Diligence Vendor-xxxxxx |  | Resolved-Housing History Meets Guideline Requirements - Supporting documentation provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-20 17:01 | 2022-09-30 15:48 | Resolved | 1 - Information A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Missing verification of HOA (if applicable) for primary located at xxxxxx.. Additional findings may apply.<br> - Missing additional 4 months of housing payment history for primary to complete 12-month history required.. - Due Diligence Vendor-xxxxxx |  | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-20 17:01 | 2022-09-30 15:48 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-20 16:17 | 2022-09-27 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Received report - Due Diligence Vendor-xxxxxx <br>Open-Missing Third Party Fraud Report - Missing Third Party Fraud Report and evidence all parties were checked with Exclusionary/OFAC Lists. Additional conditions may apply once received and reviewed - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Received report - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-20 17:10 | 2022-09-23 14:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Minimum Loan Amount | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $xxxxxx - Maximum loan amount per matrix for The Vice is $xxxxxx at 80% LTV. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-20 16:31 | 2022-09-22 16:24 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Missing verification of HOA (if applicable) for primary located at xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-20 15:23 | 2022-09-21 19:49 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines - Tax Preparer letter for xxxxxx is dated xxxxxx or after xxxxxx note date. - Considered non-material due to Final CD Disbursement date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Income and Employment Do Not Meet Guidelines - Tax Preparer letter for xxxxxx is dated xxxxxx or after xxxxxx note date.<br> - Considered non-material due to Final CD Disbursement date of xxxxxx <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-27 13:47 | 2022-10-19 11:10 | Waived | 3 - Material A C | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Waived-xxxxxx agrees to take as EV3, SOL 1 yr, expires xxxxxx. - Due Diligence Vendor-xxxxxx <br> Ready for Review-xxxxxx agrees to take as EV3, SOL 1 yr, expires xxxxxx. Please add notes to securitization tape. - Buyer-10/18/2022 <br> Open-Statute of Limitations - One year - Due Diligence Vendor-xxxxxx <br> Open-NEW<br> Client provided PCCD: xxxxxx missing date of event in connection with transaction and evidence of delivery to borrower. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. - Due Diligence Vendor-xxxxxx |  | Waived-xxxxxx agrees to take as EV3, SOL 1 yr, expires xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-19 13:24 | 2022-10-17 11:28 | Waived | 3 - Material C | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Waived--Investor Waiver: xxxxxx agrees to take as EV3, SOL 1 yr, expires xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-Client provided LE: xxxxxx. Missing LE provided within 3 business days of initial application date of xxxxxx.<br> Statute of Limitations - One year - Due Diligence Vendor-xxxxxx <br> Open-Client provided LE: xxxxxx. <br> Missing LE provided within 3 business days of initial application date of xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-Missing initial loan estimate. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: xxxxxx agrees to take as EV3, SOL 1 yr, expires xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-19 13:20 | 2022-09-27 14:04 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Client provided full HOC counseling list. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. 1) Homeownership counseling organization dated xxxxxxx, not provided within 3 days of Application Date of xxxxxx.<br> 2) Missing list of 10 counseling agencies. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided full HOC counseling list. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-19 13:06 | 2022-09-27 14:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved--Received executed waiver - Due Diligence Vendor-xxxxxx <br>Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-xxxxxx |  | Resolved--Received executed waiver - Due Diligence Vendor-xxxxxx <br>Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-19 13:10 | 2022-09-27 13:53 | Resolved | 1 - Information C A | Compliance | TRID | CD: Liability After Foreclosure Not Complete | Resolved- - Due Diligence Vendor-xxxxxx <br> Open-Client provided PCCD: xxxxxx with liability after foreclosure box checked. - Due Diligence Vendor-xxxxxx <br> Open-CD: Liability After Foreclosure Not Complete CD: xxxxxx Liability after Foreclosure in Other Disclosures section not completed. - Due Diligence Vendor-xxxxxx |  |  | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-19 13:10 | 2022-09-27 13:51 | Resolved | 1 - Information C A | Compliance | Disclosure | Closing Disclosure indicates loan has a demand feature which is not allowed per program guidelines | Resolved-Client provided PCCD: xxxxxx with does not have demand feature box checked. - Due Diligence Vendor-xxxxxx <br> Open-CD: xxxxxx Demand Feature in Loan Disclosures section not completed. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided PCCD:xxxxxx with does not have demand feature box checked. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-27 13:42 | 2022-09-27 13:48 | Resolved | 1 - Information A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved-Client provided PCCD: xxxxxx- Due Diligence Vendor-xxxxxx <br>Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided PCCD: xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-19 13:06 | 2022-09-21 20:20 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). Home Loan Toolkit dated xxxxxx, not provided within 3 days of Application Date of xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). Home Loan Toolkit dated xxxxxx2, not provided within 3 days of Application Date of xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778276 | xxxxxx D C B | Closed | xxxxxx | 2022-09-19 13:06 | 2022-09-19 13:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 720 minimum required.<br>Months Reserves exceed minimum required - 52.58 months verified reserves exceed 12 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 14:39 | 2022-10-20 12:14 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received CPA letter with expense factor - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br>Counter--Missing CPA letter or Tax Preparer Letter to validate expense factor. Received 12 months business bank statements and bank statement income worksheet. The originators income worksheet reflects an expense factor or 15%. - Due Diligence Vendor-xxxxxx <br>Counter--Received Income worksheet and CPA letter. File is missing ALL documents used to calculate income, 12 months Bank statements. Finding remains - Due Diligence Vendor-xxxxxx <br>Open- Missing ALL income documentation used to qualify Borrower (2) Missing Approval and Program used for qualifying. Findings may apply. - Due Diligence Vendor-xxxxxx |  | Resolved--Received CPA letter with expense factor - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-10-07 14:01 | 2022-10-20 12:14 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved--Received CPA letter with expense factor - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-xxxxxx |  | Resolved--Received CPA letter with expense factor - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 16:07 | 2022-10-20 12:13 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received CPA letter with expense factor - Due Diligence Vendor-xxxxxx <br>Counter--Missing CPA letter or Tax Preparer Letter to validate expense factor. Received 12 months business bank statements and bank statement income worksheet. The originators income worksheet reflects an expense factor or 15%. - Due Diligence Vendor-xxxxxx <br>Counter--Received Income worksheet and CPA letter. File is missing ALL documents used to calculate income, 12 months Bank statements. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors -(1) Missing ALL income documentation used to qualify Borrower (2) Missing Approval and Program used for qualifying. Findings may apply. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received CPA letter with expense factor - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-25 09:00 | 2022-10-20 12:13 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved--received 1008 summary, program is theVICE - Due Diligence Vendor-xxxxxx <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-xxxxxx <br>Open- Missing Approval and Program used for qualifying, 1008 does not provide needed information. - Due Diligence Vendor-xxxxxx |  | Resolved--received 1008 summary, program is theVICE - Due Diligence Vendor-xxxxxx <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 14:39 | 2022-10-20 12:12 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor-xxxxxx <br>Rescinded-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor-xxxxxx <br>Rescinded-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 14:39 | 2022-10-20 12:12 | Resolved | 1 - Information A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-xxxxxx <br>Rescinded-Income 1 Months Income Verified is Missing - Due Diligence Vendor-xxxxxx |  | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-xxxxxx <br>Rescinded-Income 1 Months Income Verified is Missing - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-25 08:30 | 2022-09-30 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Credit Report is Missing. - Missing initial Credit Report. Additional Findings may apply - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 14:58 | 2022-09-30 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Open-Missing Third Party Fraud Report - Missing Fraud report. Additional Findings may apply - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 07:34 | 2022-09-30 15:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Client provided initial LE. - Due Diligence Vendor-xxxxxx <br>Open-Missing Initial Loan Estimate. Unable to test 10% and zero tolerance fees. Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial LE. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 07:24 | 2022-09-30 14:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Client provided HOC with full list of counseling agencies. - Due Diligence Vendor-xxxxxx <br>Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Homeowner Counseling Disclosure does not include list of providers in order to determine required 10 providers are included. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Client provided HOC with full list of counseling agencies. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778277 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 07:24 | 2022-09-19 15:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 39 months exceeds minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower FICO of 765 exceeds minimum required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778279 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 18:22 | 2022-10-13 13:21 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--All required income documentation received - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Income used for qualifying not properly documented or verified. - Due Diligence Vendor-xxxxxx |  | Resolved--All required income documentation received - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778279 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 17:43 | 2022-10-13 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved--Verified through xxxxxx is that business was active at the time of closing. - Due Diligence Vendor-xxxxxx <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br> Counter--Received a Franchise Tax Account Status does not meet the requirement. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing evidence business is active validated by a Secretary of State printout within 30 days of the Note Date for xxxxxx, xxxxxx and xxxxxx. No verification of Business status or ownership was provided for xxxxxx - this business account was used for qualifying - using only deposits from the other two businesses and alternate business accounts. - Due Diligence Vendor-xxxxxx |  | Resolved--Verified through opencorporates that business was active at the time of closing. - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778279 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 17:43 | 2022-10-13 13:18 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br>Resolved--Received CPA letter verifying borrower is 100% owner of xxxxxx - Due Diligence Vendor-xxxxxx<br>Counter--Received a Franchise Tax Account Status does not meet the requirement in original Finding. <br> Finding remains - Due Diligence Vendor-xxxxxx<br>Open-Income and Employment Do Not Meet Guidelines - All income deposits from business account used are transfers from other business accounts; xxxxxx verification of ownership and status not provided; Bank statements covering same 24 month period from accounts used as deposits for qualifying income not provided to support income amounts - unable to verify transfers are from business income. - Due Diligence Vendor-xxxxxx |  | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br>Resolved--Received CPA letter verifying borrower is 100% owner of xxxxxx - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778279 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 18:22 | 2022-10-13 13:18 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Income used for qualifying not properly documented or verified. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Income used for qualifying not properly documented or verified. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778279 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 18:15 | 2022-10-13 13:10 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Received CPA verifying 100% ownership - Due Diligence Vendor-xxxxxx <br> Counter--Document provided does not resolve original finding. Finding remains - Due Diligence Vendor- xxxxxx <br> Open-Asset Qualification Does Not Meet Guideline Requirements - xxxxxx #xxxxxx account used for asset qualification - no verification of ownership of business or CPA letter that use of funds will not affect business found in file. All business verifications and CPA letters pertain to other businesses and business accounts. - Due Diligence Vendor-xxxxxx |  | Resolved-Asset Qualification Meets Guideline Requirements - Received CPA verifying 100% ownership - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778279 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 18:09 | 2022-09-27 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved--Received fraud report - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Open-Missing Third Party Fraud Report - Missing Third Party Fraud Report and all parties checked with Exclusionary/OFAC Lists. Additional conditions may apply upon receipt and review. - Due Diligence Vendor-xxxxxx |  | Resolved--Received fraud report - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778279 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 10:04 | 2022-09-27 14:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Client provided LE:xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-Missing Initial Loan Estimate. Unable to test for zero and 10% tolerance fees. Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided LE:xxxxxx - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778279 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 10:22 | 2022-09-27 14:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Client provided complete counseling list. - Due Diligence Vendor-xxxxxx <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Client provided complete counseling list. - Due Diligence Vendor-xxxxxx <br>Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Homeowner Counseling Disclosure does not include list of providers in order to determine required 10 providers are included. Statute of Limitations - three years.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided complete counseling list. - Due Diligence Vendor-xxxxxx <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Client provided complete counseling list. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778279 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 10:22 | 2022-09-19 15:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding <br> - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 80 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778280 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 11:03 | 2022-10-04 20:58 | Resolved | 1 - Information B A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved-A PDI was received which reports no damage. - Due Diligence Vendor-xxxxxx <br>Waived--FEMA disaster declared in xxxxxx Appraisal date xxxxxx note date xxxxxx. Public assistance non material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Resolved-A PDI was received which reports no damage. - Due Diligence Vendor-xxxxxx <br>Waived--FEMA disaster declared in xxxxxx Appraisal date xxxxxx note date xxxxxx. Public assistance non material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| On time mortgage history exceeds guideline requirement - - Borrowers have 73 month mortgage history with 0X30 which exceeds guideline requirement of 12 months.<br>Months Reserves exceed minimum required - -62 months reserves exceeds minimum requirement of three months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778280 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 09:38 | 2022-09-30 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Material finding-Missing lender worksheet for self-employed income using 24 months bank statements to support $13,213.96/month. Bank statements provided do not show monthly gross deposit summaries. Due to the complex nature of the bank statements provided, this will remain material until the lender worksheet is received. - Due Diligence Vendor-xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx<br>| On time mortgage history exceeds guideline requirement - - Borrowers have 73 month mortgage history with 0X30 which exceeds guideline requirement of 12 months.<br>Months Reserves exceed minimum required - -62 months reserves exceeds minimum requirement of three months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778280 | xxxxxx D B A | Closed | xxxxxx | 2022-09-18 18:33 | 2022-09-30 15:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx <br>Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence). Homeowner Counseling Disclosure does not include list of providers in order to determine required 10 providers are included. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx<br>| On time mortgage history exceeds guideline requirement - - Borrowers have 73 month mortgage history with 0X30 which exceeds guideline requirement of 12 months.<br>Months Reserves exceed minimum required - -62 months reserves exceeds minimum requirement of three months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778280 | xxxxxx D B A | Closed | xxxxxx | 2022-09-18 18:54 | 2022-09-18 19:24 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| On time mortgage history exceeds guideline requirement - - Borrowers have 73 month mortgage history with 0X30 which exceeds guideline requirement of 12 months.<br>Months Reserves exceed minimum required - -62 months reserves exceeds minimum requirement of three months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778282 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-25 11:19 | 2022-11-29 10:19 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received corrected final 1003 - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Please see the provided revised 1003 reflecting xxxxxx - Buyer-xxxxxx <br> Counter--Client response: from the seller: Trust cert uploaded-it does show the borrower has 100% access to the funds in the account that was used for the income calculation.<br> -(AUDIT RESPONSE) Final 1003 shows income source is from xxxxxx however, actual source of income is from xxxxxx which is not listed on the final 1003. Provide corrected 1003 with correct income source added. - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors -(1)1003 states self-employed Business is xxxxxx however, bank statements used for income are in the name of xxxxxx No verification for this business has been provided. (2) CPA letter does not state which business this letter applies to (3) xxxxxx does not identify either business named for this borrower. What business is xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected final 1003 - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.64% DTI with max of 45%.<br>Months Reserves exceed minimum required - 25 mos in additional reserves |  | xxxxxx Revised Final 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778282 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-22 10:00 | 2022-11-29 10:18 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received corrected final 1003 - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Please see the provided revised 1003 reflecting xxxxxx - Buyer-xxxxxx <br> Counter--Client response: from the seller: Trust cert uploaded-it does show the borrower has 100% access to the funds in the account that was used for the income calculation.<br> -(AUDIT RESPONSE) Final 1003 shows income source is from xxxxxx however, actual source of income is from xxxxxx which is not listed on the final 1003. Provide corrected 1003 with correct income source added. - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines -(1)1003 states self-employed Business is xxxxxx however, bank statements used for income are in the name of xxxxxx. No verification for this business has been provided. (2) CPA letter does not state which business this letter applies to (3) xxxxxx does not identify either business named for this borrower. What business is xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected final 1003 - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.64% DTI with max of 45%.<br>Months Reserves exceed minimum required - 25 mos in additional reserves |  | xxxxxx Revised Final 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778282 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-22 12:16 | 2022-09-26 15:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>Open-Audited FICO of 667 is less than Guideline FICO of 680 - Minimum required FICO score is 680 for a 85% LTV - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.64% DTI with max of 45%.<br>Months Reserves exceed minimum required - 25 mos in additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778282 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-22 08:31 | 2022-09-25 11:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.64% DTI with max of 45%.<br>Months Reserves exceed minimum required - 25 mos in additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778282 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-22 08:57 | 2022-09-25 11:32 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date is xxxxxx Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date is xxxxxx Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.64% DTI with max of 45%.<br>Months Reserves exceed minimum required - 25 mos in additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778282 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-18 17:43 | 2022-09-30 15:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx<br>Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Homeowner Counseling Disclosure does not include list of providers in order to determine required 10 providers are included. - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.64% DTI with max of 45%.<br>Months Reserves exceed minimum required - 25 mos in additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778282 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-18 17:43 | 2022-09-18 19:49 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 27.64% DTI with max of 45%.<br>Months Reserves exceed minimum required - 25 mos in additional reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778286 | xxxxxx C B A | Closed | xxxxxx | 2022-10-04 21:00 | 2022-10-04 21:01 | Resolved | 1 - Information A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved-A PDI was received which reports no damage. - Due Diligence Vendor-xxxxxx <br>Open-Individual Assistance due to Hurricane xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-A PDI was received which reports no damage. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Eight months reserves exceeds minimum required of two months.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 768 exceeds minimum requirement of 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778286 | xxxxxx C B A | Closed | xxxxxx | 2022-09-22 13:12 | 2022-09-29 13:06 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Missing LOE for credit inquiries from xxxxxx and xxxxxx- Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more / Compensating Factor 3 - ST - DSCR exceeds minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Eight months reserves exceeds minimum required of two months.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 768 exceeds minimum requirement of 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778286 | xxxxxx C B A | Closed | xxxxxx | 2022-09-22 13:48 | 2022-09-27 13:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% - Exception request is in file, however request was for a 5% LTV exception, and matrix only allows a 70% LTV, therefore, is a 10% exception. In addition, Investor did not approve - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more / Compensating Factor 3 - ST - DSCR exceeds minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Eight months reserves exceeds minimum required of two months.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 768 exceeds minimum requirement of 660. | -13 yrs own<br> -768 fico<br> -0x 30x 12<br> - Experienced investor<br> -61,244/9 reserves (audit disagrees, there are 6.17 months reserves) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778286 | xxxxxx C B A | Closed | xxxxxx | 2022-09-22 13:54 | 2022-09-26 14:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Issue | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open--Missing sellers disclosure addendum as marked on page xxxxxx of the purchase contract. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Eight months reserves exceeds minimum required of two months.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 768 exceeds minimum requirement of 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-22 17:03 | 2022-11-11 12:41 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved--Updated HO6 policy provided reflecting owners coverage and mailing address associated to subject property. - Due Diligence Vendor-xxxxxx <br> Counter--Received LOE frim borrower.<br> -(AUDIT RESPONSE) HOI policy provided for subject property is a Rental Policy. This would indicate that the subject property is not the borrower's primary residence. The mailing address for HOI policy provided for subject property is a prior Rental address and Business address for self-employment. Corrected HOI policy required in addition to explanation for address discrepancies. - Due Diligence Vendor-xxxxxx <br> Counter--Seller Response: Please provide further clarification on how to clear this item.<br> - Audit Response: LOE explaining distance between business and subject property, explaining how it has no impact on borrower ability to do business and an update HO6 policy reflecting personal content replacement coverage to be provided. Subject to review. - Due Diligence Vendor-xxxxxx <br> Open-- HO6 policy is a rental policy mailed to xxxxxx <br> - Mortgage statement in file for subject is mailed to xxxxxx <br> - Audit review of subjects appraisal photos appear that use is as xxxxxx/xxxxxx and is not owner occupied.<br> - Mailing address xxxxxx is a residential apartment per xxxxxx and listed as borrower's business address.<br> - Subject and xxxxxx are xxxxxx apart - Due Diligence Vendor-xxxxxx |  | Resolved--Updated HO6 policy provided reflecting owners coverage and mailing address associated to subject property. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:13 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Client provided COC dated xxxxxx - Due Diligence Vendor-xxxxxx <br> Resolved-Resolved - Due Diligence Vendor-xxxxxx<br> Rescinded-Addressed in finding-xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided COC datedxxxxxx. - Due Diligence Vendor-xxxxxx <br> Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding-xxxxxx. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:13 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-xxxxxx <br>Resolved-Client provided initial CD: xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $525.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). System issue. COC was entered in Initial CD dated xxxxxx in the amount of $525.00 for points that were not included in the LE. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial CD: xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $525.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). System issue. COC was entered in Initial CD dated xxxxxx in the amount of $525.00 for points that were not included in the LE. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-30 15:53 | 2022-10-07 15:13 | Resolved | 1 - Information A | Compliance | TRID | TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test | Resolved-Client provided COC dated xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Delivery date is within guidelines. - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided COC dated xxxxxx - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Delivery date is within guidelines. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-30 15:53 | 2022-10-07 15:12 | Resolved | 1 - Information A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Client provided COC dated xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx<br>Rescinded-Delivery date is within guidelines. - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided COC dated xxxxxx - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Delivery date is within guidelines. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:12 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Client provided COC dated xxxxxx. - Due Diligence Vendor-xxxxxx<br> Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded- - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding-xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided COC dated xxxxxx - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Addressed in finding-3634. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:12 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Client provided COC dated xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx<br>Counter-Finding remains.<br> Client provided duplicate Change of Circumstance, does not indicate to borrower that lender credit will be removed. - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,100.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-xxxxxx<br>Open-This loan failed the lender credits that cannot decrease test. Loan Estimate issued xxxxxx included a non-specific lender credits for $2,100.00, Final Closing Disclosure issued xxxxxx did not include a lender credit. Please provide a valid change of circumstance or evidence of refund no later than 60 calendar days after consummation date. Statute of Limitations - one year.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided COC dated xxxxxx - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:11 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx<br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the higher-priced mortgage loan required escrow account test. (12 CFR §1026.35(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:11 | Resolved | 1 - Information A | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br> Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Non-QM - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($114847.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 2.25%; orThe note amount for a first lien on a xxxxxx home is less than ($114847.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%; orThe note amount for a first lien a non-manufactured home is less than ($114847.000) but greater than or equal to ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:11 | Resolved | 1 - Information A | Compliance | ComplianceEase | GSE (xxxxxx public guidelines) QM APR Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br> Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Non-QM - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the QM APR test. (xxxxxx Lender Letter xxxxxx)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to xxxxxx unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:11 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:11 | Resolved | 1 - Information A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx <br>Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.112%. The APR threshold to qualify for a safe harbor is 6.290%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:11 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br> While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-10-07 15:11 | Resolved | 1 - Information A | Compliance | ComplianceEase | GSE (xxxxxx public guidelines) QM APR Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br> Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Non-QM - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the QM APR test. (xxxxxx Bulletin xxxxxx)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to xxxxxx unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non QM - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:29 | 2022-09-30 15:54 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Client provided initial CD: xxxxxx. - Due Diligence Vendor-xxxxxx <br> Resolved- - Due Diligence Vendor-xxxxxx <br> Open-initial closing disclosure dated xxxxxx receipt date is xxxxxx is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date. Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial CD: xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved- - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:14 | 2022-09-30 15:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx <br>Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Homeowner Counseling Disclosure does not include list of providers in order to determine required 10 providers are included. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778288 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-19 13:14 | 2022-09-19 15:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 56.30% is 23.70% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 746 is 86 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778294 | xxxxxx C B A | Closed | xxxxxx | 2022-09-23 14:54 | 2022-09-27 13:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted- Due Diligence Vendor-xxxxxx <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $xxxxxx - Guidelines require an exception approval if the loan is under xxxxxx Exception in file but not approved by the investor. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 10 points > minimum required / Compensating Factor 3 - DSCR > 1.3 - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.20 - - Calculated DSR is 1.54 | -22 years on job<br> - DSCR>1.5<br> - Investor experience 17 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778294 | xxxxxx C B A | Closed | xxxxxx | 2022-09-23 14:58 | 2022-09-27 13:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited CLTV of 65% exceeds Guideline CLTV of 60% - Guidelines require a 5% reduction in LTV for a vacant property. The loan amount is under xxxxxx so the maximum LTV is 65%. With a 5% reduction the max LTV permitted would be 60%. An exception was requested for the variance. Investor did not approve. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 10 points > minimum required / Compensating Factor 3 - DSCR > 1.3<br> - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.20 - - Calculated DSR is 1.54 | -22 years on job<br> - DSCR>1.5<br> - Investor experience 17 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778391 | xxxxxx D B A | Closed | xxxxxx | 2022-10-01 14:19 | 2022-10-03 11:54 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-Public assistance available for xxxxxx Tropical Storm xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Public assistance available for xxxxxxTropical Storm xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 89.24 months reserves exceeds 6 months required.<br>Qualifying DTI below maximum allowed - 41.27% DTI is less than 50% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778391 | xxxxxx D B A | Closed | xxxxxx | 2022-10-01 12:22 | 2022-10-05 16:00 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible | Resolved--Loan meets guidelines per Investor ok to not require CPM. - Due Diligence Vendor-xxxxxx <br> Counter--Per xxxxxx must determine if condo project is identified by xxxxxx as "Unavailable" by Condo Project Manager (CPM). File is missing required information. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. MAX LTV IS 80% FOR NOO (PLS. SEE ATTACHED xxxxxx xxxxxx ALT DOC)<br> LOAN AMOUNT: <= $xxxxxx, FICO: 680-699, PURCHASE, INVESTMENT, CONDO, MAX LTV 80%, MAX DTI 50% - Seller-xxxxxx<br> Open-Provided Profect approval. (PERS) This is an Investment > 70% LTV in xxxxxx - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. MAX LTV IS 80% FOR NOO (PLS. SEE ATTACHED MATRIX xxxxxx xxxxxx ALT DOC)<br> LOAN AMOUNT: <= xxxxxx, FICO: 680-699, PURCHASE, INVESTMENT, CONDO, MAX LTV 80%, MAX DTI 50% - Seller-xxxxxx | Resolved--Loan meets guidelines per Investor ok to not require CPM. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 89.24 months reserves exceeds 6 months required.<br>Qualifying DTI below maximum allowed - 41.27% DTI is less than 50% maximum. |  | 220906001_xxxxxx_Pages from VMC_Non-QM_Loan LTV Matrix_2022_08_29 w Highlights.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778391 | xxxxxx D B A | Closed | xxxxxx | 2022-10-01 12:39 | 2022-10-05 08:25 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Partial | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Counter--Master insurance policy does not reflect the required $xxxxxx Liability coverage. Provide updated/correct Master policy - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. See attached HO6 and Master Policy. - Seller-xxxxxx <br> Open-HO-6 Master Insurance Policy Partially Provided - Master policy does not disclose million required per guides. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. See attached HO6 and Master Policy. - Seller-xxxxxx | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 89.24 months reserves exceeds 6 months required.<br>Qualifying DTI below maximum allowed - 41.27% DTI is less than 50% maximum. |  | 220906001_xxxxxx_HO6.pdf<br>220906001_xxxxxx_MASTER POLICY.pdf<br>220906001_xxxxxx_MASTER POLICY WITH LIABILITY.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778391 | xxxxxx D B A | Closed | xxxxxx | 2022-10-01 11:42 | 2022-10-04 13:13 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx<br>Open-Unsatisfactory Chain of Title provided - Missing chain of title from title commitment. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 89.24 months reserves exceeds 6 months required.<br>Qualifying DTI below maximum allowed - 41.27% DTI is less than 50% maximum. |  | 220906001_xxxxxx - CHAIN OF TITLE 2.pdf<br>220906001_xxxxxx- CHAIN OF TITLE 1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-05 11:54 | 2022-12-05 17:09 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--FEMA disaster declaration xx3587 (Public Assistance available), declaration date xxxxxx . After the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--FEMA disaster declaration xxxxxx (Public Assistance available), declaration date xxxxxx . After the Note date xxxxxx, After Appraisal date xxxxxx Missing post disaster inspection report.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-05 09:34 | 2022-12-07 09:18 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved--Document received - Due Diligence Vendor-xxxxxx <br>Resolved-Validation Resolved - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-xxxxxx |  | Resolved--Document received - Due Diligence Vendor-xxxxxx <br>Resolved-Validation Resolved - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-05 11:43 | 2022-12-06 16:33 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines - Business accounts reflect 9 NSF charges exceed guideline allowed 5 occurrences in the most recent 12 months. Exception in file approved by the Investor. (However, exception approval based on loan amount $xxxxxx, and LTV 59.46%. Note reflect loan amount xxxxxx and LTV 52.98%.) - Due Diligence Vendor-xxxxxx |  | Waived-Income and Employment Do Not Meet Guidelines - Business accounts reflect 9 NSF charges exceed guideline allowed 5 occurrences in the most recent 12 months. Exception in file approved by the Investor. (However, exception approval based on loan amount $xxxxxx, and LTV 59.46%. Note reflect loan amount xxxxxx and LTV 52.98%.) - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. | - Residual income more than 2.5x the amount required by guidelines<br> - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-05 11:02 | 2022-12-05 17:12 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report with account balances for accounts paid off as reflecting on final CD. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report with account balances for accounts paid off as reflecting on final CD. <br> - DTI 33% with allowable 50%, deemed non-material<br> - Residual income more than 2.5x the amount required by guidelines<br> - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-12 14:14 | 2022-12-27 08:19 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Received evidence of receipt by borrower - Due Diligence Vendor-xxxxxx <br>Counter--Seller provided check for $28,525.00 for total refund due, however evidence of receipt to borrower and LOE not provided. Finding remains. - Due Diligence Vendor-xxxxxx <br>Open--NEW - Final CD issued xxxxxx reflects Points of $6675 without a valid COC. <br> Statute of limitations - Three years - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $6,912.85.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-xxxxxx |  | Resolved--Received evidence of receipt by borrower - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-12 14:14 | 2022-12-27 08:18 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved--Received evidence of receipt by borrower - Due Diligence Vendor-xxxxxx <br>Counter--Seller provided check for $28,525.00 for total refund due, however evidence of receipt to borrower and LOE not provided. Finding remains. - Due Diligence Vendor-xxxxxx <br>Open--NEW - Lender credit of $21,850 disclosed on Initial LE dated xxxxxx which decreased to $237.85 on Fina CD without a valid change of circumstances. Missing related COC <br> Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($237.85) does not exceed or equal the comparable sum of specific and non-specific lender credits ($21,850.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-xxxxxx |  | Resolved--Received evidence of receipt by borrower - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-12 14:14 | 2022-12-22 16:50 | Waived | 3 - Material C | Compliance | TRID | TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test | Waived--Investor waiver request applied. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date. Please review the loan data to ensure the dates are in the correct fields. - SOL 1 year - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver request applied. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-12 14:14 | 2022-12-22 16:50 | Waived | 3 - Material C | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Waived--Investor waiver request applied. - Due Diligence Vendor-xxxxxx <br> Open--NEW - LE issued xxxxxx is after CD issued xxxxxx Statute of limitations - One year - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - SOL 1 year - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver request applied. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-12 14:14 | 2022-12-20 13:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved--Statue of Limitation, three years. - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-xxxxxx |  | Resolved--Statue of Limitation, three years. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-09 09:26 | 2022-12-12 14:31 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-xxxxxx <br>Open--NEW - File is missing initial CD. Earliest CD provided is dated xxxxxx which is the date of closing - Due Diligence Vendor-xxxxxx |  |  | Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-02 11:08 | 2022-12-09 09:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved--Client response: per seller: COC in file showing the date of xxxxxx was dated incorrectly therefore the borrower signed a COC with the correct dates to match the only locked LE generated on xxxxxx LE's are xxxxxx unlocked and xxxxxx locked. There is no LE from xxxxxx<br> - Due Diligence Vendor-xxxxxx <br> Counter--File contains a COC with a Re-Disclosed date of xxxxxx without the corresponding LE provided. Missing LE dated xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-Missing revised loan estimate xxxxxx which corresponds with change of circumstance for change in loan amount. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: per seller: COC in file showing the date of xxxxxx was dated incorrectly therefore the borrower signed a COC with the correct dates to match the only locked LE generated on xxxxxx LE's are xxxxxx unlocked and xxxxxx locked. There is no LE from xxxxxx<br> - Due Diligence Vendor- xxxxxx | Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778510 | xxxxxx D C B | Closed | xxxxxx | 2022-12-02 11:41 | 2022-12-07 09:43 | Resolved | 1 - Information C A | Compliance | TRID | CD: Liability After Foreclosure Not Complete | Resolved--Received PCCD with correction - Due Diligence Vendor-xxxxxx <br>Open-CD: Liability After Foreclosure Not Complete - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved--Received PCCD with correction - Due Diligence Vendor- xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 52.98% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778529 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 13:09 | 2022-10-13 10:34 | Waived | 2 - Non-Material C B | Credit | Title | Satisfactory Chain of Title not Provided | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Received same title commitment already in file. Please provide a 24 month chain of title. - Due Diligence Vendor-xxxxxx <br> Open-Unsatisfactory Chain of Title provided - Missing 24-month chain of title. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - DTI <= 36% which is below requirement in guidelines<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 778 exceeds minimum FICO required of 660.<br>Months Reserves exceed minimum required - -105 months reserves exceeds minimum of 3 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778529 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 15:36 | 2022-09-29 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Received property reports showing free & clear for both properties - Due Diligence Vendor-xxxxxx <br>Open--Missing evidence xxxxxx and xxxxxx are owned free and clear. Guide requires a property profile report or equivalent which was not provided. - Due Diligence Vendor-xxxxxx |  | Resolved--Received property reports showing free & clear for both properties - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 778 exceeds minimum FICO required of 660.<br>Months Reserves exceed minimum required - -105 months reserves exceeds minimum of 3 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778529 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 09:39 | 2022-09-29 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-xxxxxx <br>Open-Must include all riders (PUD and Assignment of Rent/Leases - Due Diligence Vendor-xxxxxx <br>Open-The Deed of Trust is Missing The Deed of Trust is missing. - Due Diligence Vendor-xxxxxx |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 778 exceeds minimum FICO required of 660.<br>Months Reserves exceed minimum required - -105 months reserves exceeds minimum of 3 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778529 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 14:40 | 2022-09-26 18:25 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Gap Credit Report is Expired for both borrowers. (Greater than 10 days from Closing/Settlement Date). Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date).Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Gap Credit Report is Expired for both borrowers. (Greater than 10 days from Closing/Settlement Date). - DTI 22%, non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - DTI 22%, non material.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 778 exceeds minimum FICO required of 660.<br>Months Reserves exceed minimum required - -105 months reserves exceeds minimum of 3 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778551 | xxxxxx D A | Closed | xxxxxx | 2022-09-23 15:51 | 2022-09-28 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Debt not on Final CD as paid from proceeds therefore subject loan is Business Purpose. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. xxxxxx did not allow the payoff of xxxxxx at closing since the loan was for business purposes. - Seller-xxxxxx <br>Open-Although borrower signed the Business Purpose affidavit, he stated that he was paying off a loan with xxxxxx Verify xxxxxx was a business use loan and not personal, or TRID would apply due to personal use of funds. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. xxxxxx did not allow the payoff of xxxxxx at closing since the loan was for business purposes. - Seller-xxxxxx | Resolved--Debt not on Final CD as paid from proceeds therefore subject loan is Business Purpose. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 59.02% LTV is less than 75% maximum.<br>Months Reserves exceed minimum required - 58.23 months reserves exceed 3 months required. |  | cd xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778551 | xxxxxx D A | Closed | xxxxxx | 2022-09-23 09:19 | 2022-09-26 10:43 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-Title Coverage Amount of $xxxxxx is Less than Total Amount of Subject Lien(s) of $xxxxxx- Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 59.02% LTV is less than 75% maximum.<br>Months Reserves exceed minimum required - 58.23 months reserves exceed 3 months required. |  | xxxxxx title.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778575 | xxxxxx C B A | Closed | xxxxxx | 2022-10-21 14:33 | 2022-11-07 16:21 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received corrected CDA - Due Diligence Vendor-xxxxxx <br> Open--CDA reflect value of $xxxxxx. However, conflicting as appraisal provided has a value of xxxxxx and CDA reflect Appraised value as xxxxxx.. Provide an appraisal with a value of xxxxxx or corrected CDA. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected CDA - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Months Reserves 54 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 705 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778575 | xxxxxx C B A | Closed | xxxxxx | 2022-10-21 12:15 | 2022-11-14 10:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Please see supplement report<br> -(AUDIT RESPONSE) Document not provided. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 54 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 705 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778575 | xxxxxx C B A | Closed | xxxxxx | 2022-10-21 14:44 | 2022-11-07 16:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received credit supplemental supporting pay history - Due Diligence Vendor-xxxxxx <br> Counter--Received bank statement showing xxxxxx payment made which was already evidenced in the file. Missing verification xxxxxx HELOC payment made to verify 0x12x30 - Due Diligence Vendor-xxxxxx <br> Counter--Received credit supplement for both borrowers and for both first liens which does not address original Finding. Missing updated credit report to show xxxxxx HELOC xxxxxx is due for xxxxxx payment. Finding remains - Due Diligence Vendor-xxxxxx <br> Counter--Client response: please see bank statements<br> -(AUDIT RESPONSE) No documentation provided to review - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Credit report reflect last payment xxxxxx for HELOC account xxxxxxxx with xxxxxx Note date xxxxxx.Provide documentation to support guideline requirement 0X30 in the past 12 months or proof of September payment. - Due Diligence Vendor-xxxxxx |  | Resolved--Received credit supplemental supporting pay history - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Months Reserves 54 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 705 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778575 | xxxxxx C B A | Closed | xxxxxx | 2022-10-21 14:40 | 2022-11-07 16:07 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received credit supplemental supporting pay history - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Counter--Received bank statement showing xxxxxx payment made which was already evidenced in the file. Missing verification xxxxxx HELOC payment made to verify 0x12x30 - Due Diligence Vendor-xxxxxx <br> Counter--Received credit supplement for both borrowers and for both first liens which does not address original Finding. Missing updated credit report to show xxxxxx HELOC xxxxxxis due for xxxxxx payment. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - missing ownership % for each borrower<br> - missing proof of xxxxxx mtg pmt - Due Diligence Vendor-xxxxxx |  | Resolved--Received credit supplemental supporting pay history - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Months Reserves 54 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 705 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778575 | xxxxxx C B A | Closed | xxxxxx | 2022-10-21 14:40 | 2022-10-27 09:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received CPA letter confirming % of ownership for each borrower - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br>Counter--Client response: CPA letter reflecting the ownership %. Please also find the Credit Supplement reflecting the September Mortgage Payment.<br> -(AUDIT RESPONSE) No documentation provided to review - Due Diligence Vendor-xxxxxx <br>Open-Income and Employment Do Not Meet Guidelines - Received CPA letter supporting 2 years of business existence, however, missing ownership % for each borrower. Business narrative reflect two owners. Does not meet guideline requirement that the borrower has ownership of at least 50% of the business. Provide one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. - Due Diligence Vendor-xxxxxx |  | Resolved--Received CPA letter confirming % of ownership for each borrower - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Months Reserves 54 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 705 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778575 | xxxxxx C B A | Closed | xxxxxx | 2022-10-21 13:40 | 2022-10-21 17:17 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing both borrower. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing both borrower, Considered non material due to 48 mos in reserves. 40 DTI and 705 fico. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Months Reserves 54 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 705 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778575 | xxxxxx C B A | Closed | xxxxxx | 2022-10-21 13:00 | 2022-10-21 16:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Months Reserves 54 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 705 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778575 | xxxxxx C B A | Closed | xxxxxx | 2022-10-21 00:13 | 2022-11-09 11:11 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Client provided information for lock rate change. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,335.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,500.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). CD: xxxxxx includes Lender paid broker fees, $5,500. Final CD and PC CD do not include this lender paid fee. Please provide a valid change of circumstance for the $5,500.00 decrease or evidence of a refund in the amount of $5,500.00 no later than 60 calendar days after consummation date of xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-Resolved - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided information for lock rate change. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Months Reserves 54 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 705 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 778583 | xxxxxx B A | Closed | xxxxxx | 2022-10-12 12:00 | 2022-10-13 13:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - LTV 70.59 is less than guideline maximum 90.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 728 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 37.34% below maximum allowed 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778584 | xxxxxx D B A | Closed | xxxxxx | 2022-10-04 09:49 | 2022-10-06 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved--Received LOE - Due Diligence Vendor-xxxxxx <br>Open--Missing explanation letter from Borrower on business account change and name change to xxxxxx as indicated by xxxxxx-Secretary of State and Bank statements. - Due Diligence Vendor-xxxxxx |  | Resolved--Received LOE - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 25% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 780 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778584 | xxxxxx D B A | Closed | xxxxxx | 2022-10-04 10:44 | 2022-10-06 08:38 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Received updated fraud report with high alerts cleared - Due Diligence Vendor-xxxxxx <br>Open-Potential Fraud Reflected on Fraud Report - Provide explanation and documentation used to address High impact variances on Fraud Guard report. - Due Diligence Vendor-xxxxxx |  | Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Received updated fraud report with high alerts cleared - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 25% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 780 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778584 | xxxxxx D B A | Closed | xxxxxx | 2022-10-04 08:58 | 2022-10-04 13:36 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived- Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx <br> Open--Provide explanation and documentation to support if following recent inquiries on Gap credit report resulted in new debt : xxxxxx xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived-DTI 26%, therefore, considered non material. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 25% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 780 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778584 | xxxxxx D B A | Closed | xxxxxx | 2022-10-04 10:22 | 2022-10-04 13:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 11.64 month(s) are less than Guideline Required Reserves of 12 month(s) - Verified post close reserves $99,630.95 or 11.64 month(s) are less than Guideline Required Reserves of 12 month(s).Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 11.64 month(s) are less than Guideline Required Reserves of 12 month(s) - Verified post close reserves $99,630.95 or 11.64 month(s) are less than Guideline Required Reserves of 12 month(s).Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 25% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 780 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778584 | xxxxxx D B A | Closed | xxxxxx | 2022-10-04 08:03 | 2022-10-04 13:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 25% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 780 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778584 | xxxxxx D B A | Closed | xxxxxx | 2022-10-03 13:49 | 2022-10-04 13:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. Statute of limitations 3 yrs - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. Statute of limitations 3 yrs - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 25% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 780 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778625 | xxxxxx D B A | Closed | xxxxxx | 2022-10-27 16:54 | 2022-11-04 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Lender provided fraud report on seller - Due Diligence Vendor-xxxxxx <br> Open-Third Party Fraud Report Partially Provided Seller was not included on the fraud report - Due Diligence Vendor-xxxxxx |  | Resolved-Lender provided fraud report on seller - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - -70% LTV with maximum of 90%<br>Months Reserves exceed minimum required - -17 months and 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 757 with minimum 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778625 | xxxxxx D B A | Closed | xxxxxx | 2022-10-27 11:23 | 2022-10-27 12:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - -70% LTV with maximum of 90%<br>Months Reserves exceed minimum required - -17 months and 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 757 with minimum 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778659 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-19 08:13 | 2023-01-05 12:37 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Received corrected appraisal - Due Diligence Vendor-xxxxxx <br>Open--NEW - Project Information Section - Appraisal states # of Phases 1 with xxxxxx units however, per Condo Questionnaire, subject phase has xxxxxx units. Provide corrected appraisal reflecting correct # of Phases and subject phase information. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected appraisal - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 33 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 63.33% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778659 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-12 17:55 | 2022-12-13 10:20 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived--FEMA disaster declaration xxxxxx(Public) declaration date xxxxxx . Prior to the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--FEMA disaster declaration xxxxxx (Public) declaration date xxxxxx . Prior to the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 33 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 63.33% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778659 | xxxxxx D B C A | Closed | xxxxxx | 2023-01-27 13:33 | 2023-01-27 13:33 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing letter of explanation | Waived--Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. - Condo questionnaire reflect total number of units xxxxxx does not match Appraisal that reflect xxxxxx units. Also, Condo questionnaire comparable form in file does not address all questions on xxxxxx version. Provide an updated Condo questionnaire to reflect total number of units and in each project, units owner occupied, rented . Description of common elements; recent inspection and reserve accounts details. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. - Condo questionnaire reflect total number of units xxxxxx does not match Appraisal that reflect xxxxxx units. Also, Condo questionnaire comparable form in file does not address all questions on xxxxxx version. Provide an updated Condo questionnaire to reflect total number of units and in each project, units owner occupied, rented . Description of common elements; recent inspection and reserve accounts details. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 33 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 63.33% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778659 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-12 17:12 | 2023-01-11 14:45 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Received acceptable CPA letter verifying borrower is 100% owner of business - Due Diligence Vendor-xxxxxx<br> Counter--Client response: see change of Ownership -(AUDIT RESPONSE) - Documentation provided shows a change in Authorized Persons. Provide documentation to support borrower has been self-employed/business owner for 2 years and is 100% owner. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Provide proof Borrower self employed for 2 years.<br> - Document percentage of business ownership.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Received acceptable CPA letter verifying borrower is 100% owner of business - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 33 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 63.33% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778659 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-12 15:45 | 2023-01-11 11:48 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received acceptable CPA letter verifying borrower is 100% owner of business - Due Diligence Vendor-xxxxxx <br> Counter--Received xxxxxx which shows same information previously provided. Provide documentation verifying borrower is 100% owner and self-employed for 2 years such as CPA letter, Tax Preparer letter, operating agreement, or equivalent, reflecting the borrower's ownership percentage - Due Diligence Vendor-xxxxxx <br> Counter--Client response: see change of Ownership<br> -(AUDIT RESPONSE) - Documentation provided shows a change in Authorized Persons. Provide documentation to support borrower has been self-employed/business owner for 2 years and is 100% owner. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Business search in file dated xxxxxx. However, does not meet guideline requirement of Borrowers must be self-employed for at least two (2) years.<br> - Qualifying income based on 12 month personal and business bank statements. Per guideline: provide documentation to support the borrower owns 100% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent, reflecting the borrower's ownership percentage.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received acceptable CPA letter verifying borrower is 100% owner of business - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 33 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 63.33% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778659 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-12 15:56 | 2022-12-20 06:51 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Per guideline require a gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. DTI excluding the spouses credit that Lender used is 40%. 27 mos additional reserves. Considered non material - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 33 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 63.33% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778659 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-12 17:37 | 2022-12-19 08:11 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Partial | Resolved--Client response: The Condo project has xxxxxx units, however, this property is in the phase that has xxxxxx which is xxxxxx noted on top of questionnaire. The insurance is for that phase. Property Address is noted on master. <br> -(AUDIT REPONSE) - Upon further review, Master policy provided is for 1 phase within the Condo development and Master policy provided is sufficient. - Due Diligence Vendor-xxxxxx <br>Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Open-HO-6 Master Insurance Policy Partially Provided - Master policy in file reflect description of operations xxxxxx Condo Unit. Does not match Appraisal and condo questionnaire as total number of units xxxxxx Provide updated Master policy with sufficient coverage to meet lender and xxxxxx insurance requirements for property, liability, and fidelity coverage.<br> - Also, for condominium projects consisting of more than 20 units guideline require fidelity insurance coverage equaling at least sum of three months of assessments on all units in the project. Master policy in file does not reflect coverage. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: The Condo project has xxxxxx units, however, this property is in the phase that has xxxxxx which is xxxxxx noted on top of questionnaire. The insurance is for that phase. Property Address is noted on master. <br> -(AUDIT REPONSE) - Upon further review, Master policy provided is for 1 phase within the Condo development and Master policy provided is sufficient. - Due Diligence Vendor-xxxxxx <br>Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 33 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 63.33% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778659 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-09 09:45 | 2022-12-29 08:41 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Received valid COC dated xxxxxx for points - Due Diligence Vendor-xxxxxx <br>Counter--Received COC dated xxxxxx. Change occurred on CD xxxxxx adding discount points of $2850. Provide COC for this change on this date (or max of 3 days prior) or refund in the amount $2,850.00 no later than 60 calendar days after consummation date. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the charges that cannot increase test. Discount point fee increased from $0 on the initial LE issued xxxxxx to $2,850.00 on the final CD issued xxxxxx. Please provide a valid change of circumstance for the $2,850.00 increase or evidence of refund in the amount $2,850.00 no later than 60 calendar days after consummation date. Statute of Limitations - three years.<br> \*Initial change occurred on CD xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,850.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-xxxxxx |  | Resolved--Received valid COC dated xxxxxx for points - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 33 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 63.33% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778659 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-12 08:53 | 2022-12-29 08:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved--Received valid COC dated xxxxxx for points - Due Diligence Vendor-xxxxxx <br>Counter--Received COC dated xxxxxx. Change occurred on CD xxxxxx adding discount points of $2850. Provide COC for this change on this date (or max of 3 days prior) or refund in the amount $2,850.00 no later than 60 calendar days after consummation date. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Missing a COC or evidence of reimbursement to borrower for increase in Zero tolerance fee Points-Loan Discount Fee of $2850. <br> Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | Resolved--Received valid COC dated xxxxxx for points - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 33 exceed minimum required 6.<br>LTV is less than guideline maximum - - LTV 63.33% is less than guideline maximum 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778719 | xxxxxx C B A | Closed | xxxxxx | 2022-10-08 18:03 | 2022-10-17 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Received gift letter for $151,711.26 and wire showing transfer of funds on xxxxxx - Due Diligence Vendor-xxxxxx <br> Resolved-Audited Reserves of 19.14 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx <br> Open-Guidelines require 6 months of reserves. File contains no assets for reserves - Due Diligence Vendor-xxxxxx |  | Resolved--Received gift letter for $151,711.26 and wire showing transfer of funds on xxxxxx - Due Diligence Vendor-xxxxxx <br> Resolved-Audited Reserves of 19.14 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than program maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 739 exceeds minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778719 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 15:03 | 2022-10-17 10:36 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved--Received gift letter for $151,711.26 and wire showing transfer of funds on xxxxxx. - Due Diligence Vendor-xxxxxx <br> Resolved-Total Qualified Assets Post-Close are greater than $0. - Received $151,721.26 gift letter and wire showing transfer of funds on xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-Total Qualified Assets Post-Close amount is '$-67629.22'. Assets are Insufficient. - Missing sufficient assets for funds to close and post-close reserves. Final 1003 reflects a gift of $151,771.26 however, there is no documentation in the file to support. - Due Diligence Vendor-xxxxxx |  | Resolved--Received gift letter for $151,711.26 and wire showing transfer of funds on xxxxxx. - Due Diligence Vendor-xxxxxx <br> Resolved-Total Qualified Assets Post-Close are greater than $0. - Received $151,721.26 gift letter and wire showing transfer of funds onxxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than program maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 739 exceeds minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778719 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 11:42 | 2022-10-08 18:01 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #xxxxxx. Per guidelines, 2 months are required per guides. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #xxxxxx. Per guidelines, 2 months are required per guides. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than program maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 739 exceeds minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778719 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 12:42 | 2022-10-05 15:02 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived--Missing evidence of the HOA for the xxxxxx REO property. This is indicated on the final 1003 however supporting documentation not provided to confirm amount. --Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived--Missing evidence of the HOA for the xxxxxx REO property. This is indicated on the final 1003 however supporting documentation not provided to confirm amount. Finding is deemed non-material due to DTI of 40.75%. --Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI of 41% is less than program maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 739 exceeds minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778719 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 11:31 | 2022-10-05 15:01 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC lists, however, Borrower and Seller are present. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC lists, however, Borrower and Seller are present. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI of 41% is less than program maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 739 exceeds minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778719 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 11:28 | 2022-10-05 14:59 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing 10 day soft-pull credit report. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing 10 day soft-pull credit report. Finding is deemed non-material due to DTI of 40.75%. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI of 41% is less than program maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 739 exceeds minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778719 | xxxxxx C B A | Closed | xxxxxx | 2022-09-26 10:49 | 2022-09-26 18:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI of 41% is less than program maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 739 exceeds minimum of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778720 | xxxxxx D B A | Closed | xxxxxx | 2022-09-27 17:30 | 2022-10-07 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Employed at same job > 2 years / Compensating Factor 3 - Residual income more than 2x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx <br> Counter--Received 1003 with Alimony removed. This is insufficient to salsify Finding. This payment appears to be included in Originators DTI. Provide divorce decree or equivalent documentation to support payment used of $1436 per month - Due Diligence Vendor-xxxxxx <br> Open--Missing divorce decree or equivalent documentation to confirm the $1,436/month alimony payment obligation shown on the 1003. - Due Diligence Vendor-xxxxxx |  | Resolved--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Employed at same job > 2 years / Compensating Factor 3 - Residual income more than 2x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 732 exceeds minimum required FICO of 700.<br>On time mortgage history exceeds guideline requirement - - Credit report shows borrower has a six year mortgage history paid timely which exceeds the 12 month requirement. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778720 | xxxxxx D B A | Closed | xxxxxx | 2022-09-27 17:29 | 2022-10-06 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved--Received payment history - Due Diligence Vendor-xxxxxx <br> Open--VOM provided for xxxxxx only shows six months of history from xxxxxx to xxxxxx. VOM form says to reference payment history provided , however, itdid not provide a full 12 months as required by guidelines. - Due Diligence Vendor-xxxxxx <br> Open--VOM provided for xxxxxx only shows six months of history from xxxxxx to xxxxxx. VOM form states to see payment history provided but did not provide a full 12 months as required by guidelines. - Due Diligence Vendor-xxxxxx |  | Resolved--Received payment history - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 732 exceeds minimum required FICO of 700.<br>On time mortgage history exceeds guideline requirement - - Credit report shows borrower has a six year mortgage history paid timely which exceeds the 12 month requirement. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778720 | xxxxxx D B A | Closed | xxxxxx | 2022-09-27 16:36 | 2022-10-06 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report required guideline xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 732 exceeds minimum required FICO of 700.<br>On time mortgage history exceeds guideline requirement - - Credit report shows borrower has a six year mortgage history paid timely which exceeds the 12 month requirement. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778720 | xxxxxx D B A | Closed | xxxxxx | 2022-09-27 16:21 | 2022-09-30 13:01 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Waived-Investor Waiver - Due Diligence Vendor-xxxxxx <br> Open--VOE provided in file is dated xxxxxx after closing date of xxxxxx. - Due Diligence Vendor-xxxxxx |  |  | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 732 exceeds minimum required FICO of 700.<br>On time mortgage history exceeds guideline requirement - - Credit report shows borrower has a six year mortgage history paid timely which exceeds the 12 month requirement. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778720 | xxxxxx D B A | Closed | xxxxxx | 2022-09-27 17:16 | 2022-09-30 11:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 7.37 month(s) are less than Guideline Required Reserves of 8 month(s) - Six months reserves require for subject and Additional One-month P&I of each financed REO property.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 7.37 month(s) are less than Guideline Required Reserves of 8 month(s) - Six months reserves require for subject and Additional One-month P&I of each financed REO property.<br> Considered non-material due to;<br> - FICO 732 <br> - LTV 79%<br> - DTI 48%<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 732 exceeds minimum required FICO of 700.<br>On time mortgage history exceeds guideline requirement - - Credit report shows borrower has a six year mortgage history paid timely which exceeds the 12 month requirement. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778720 | xxxxxx D B A | Closed | xxxxxx | 2022-09-27 16:38 | 2022-09-30 11:00 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 732 exceeds minimum required FICO of 700.<br>On time mortgage history exceeds guideline requirement - - Credit report shows borrower has a six year mortgage history paid timely which exceeds the 12 month requirement. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-28 15:12 | 2022-10-07 12:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Preliminary title did not disclose coverage amount. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 13:17 | 2022-10-06 13:21 | Waived | 2 - Non-Material A B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived--Fraud report does not reflect OFAC and Exclusionary search for all parties/companies involved in this transaction. Finding is deemed non-material as Borrower and Seller have been checked. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-xxxxxx |  | Waived--Fraud report does not reflect OFAC and Exclusionary search for all parties/companies involved in this transaction. Finding is deemed non-material as Borrower and Seller have been checked. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-28 15:32 | 2022-10-06 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-28 15:55 | 2022-09-30 11:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 2.63 month(s) are less than Guideline Required Reserves of 4 month(s) - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 2.63 month(s) are less than Guideline Required Reserves of 4 month(s) - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-28 14:15 | 2022-09-30 11:42 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Waived-Borrower 1 Gap Credit Report is Partially Present. - Soft pull credit report is dated 07/21/2022, or after xxxxxx note date. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Partially Present. - Soft pull credit report is dated xxxxxx, or after xxxxxx note date. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-28 15:31 | 2022-09-30 11:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Verbal VOE in file is dated xxxxxx or after xxxxxx note date. Deemed non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Verbal VOE in file is dated xxxxxx or after xxxxxx note date. Deemed non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-28 15:00 | 2022-09-30 11:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 13:30 | 2022-10-06 13:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Client provided initial LE: xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-Missing Initial Loan Estimate within 3 business days of initial 1003 date of xxxxxx . Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided initial LE:xxxxxx - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 13:27 | 2022-10-06 13:26 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 13:27 | 2022-10-06 13:26 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $13,128.95.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 13:27 | 2022-10-06 13:26 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 13:27 | 2022-10-06 13:26 | Resolved | 1 - Information A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Addressed in finding FCOM1252. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Addressed in finding xxxxxx- Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 13:27 | 2022-10-06 13:26 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in finding xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,508.88) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx<br> Rescinded-Addressed in finding xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778723 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 13:10 | 2022-09-26 16:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - 42.93% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 69.69% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778724 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 19:19 | 2022-10-25 12:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Housing history documentation is sufficient - Due Diligence Vendor-xxxxxx <br> Counter--Received rent free letter from owner of xxxxxx #xxxxxx covering May xxxxxx to July xxxxxx. Missing evidence of owner's relationship to borrower and explanation for time at xxxxxx since borrower LOE in file states prior residence was xxxxxx. - Due Diligence Vendor-xxxxxx <br> Counter--Client response: the borrower did not need to pay their housing payment until xxxxxx. Since our funding date was on xxxxxx, it is normal that there is no payment history for the subject. The payment history for xxxxxx is reflected on the credit report. Please let us know if we can reconsider this and waive the condition.<br> -(AUDIT REPSONSE) - Audit agrees with prior mortgage for subject property as stated in original Finding. Guidelines require 1x30x12, file only contains a 9 month mortgage history for Blueberry. Final 1003 does not contain a 2 years residence history however, Borrower LOE states residence prior to xxxxxx is xxxxxx. Provide VOR or Rent free letter for prior residence xxxxxx to meet the 12 months mortgage history requirement. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12-month housing payment history. Borrower resided at subject for 1 month with no payments yet due, and resided at xxxxxx for 1 year with 10 months documented. No additional residence disclosed on 1003. - Due Diligence Vendor-xxxxxx |  | Resolved--Housing history documentation is sufficient - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 63.95% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.32% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778724 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 19:35 | 2022-10-25 12:58 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Housing history documentation is sufficient - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Counter--Received rent free letter from owner of xxxxxx #xxxxxx covering xxxxxx 2020 to xxxxxx 2021. Missing evidence of owner's relationship to borrower and explanation for time at xxxxxx since borrower LOE in file states prior residence was xxxxxx. - Due Diligence Vendor-xxxxxx <br> Counter--Client response: the borrower did not need to pay their housing payment until xxxxxx. Since our funding date was on xxxxxx, it is normal that there is no payment history for the subject. The payment history for xxxxxx is reflected on the credit report. Please let us know if we can reconsider this and waive the condition.<br> -(AUDIT REPSONSE) - Audit agrees with prior mortgage for subject property as stated in original Finding. Guidelines require 1x30x12, file only contains a 9 month mortgage history for xxxxxx. Final 1003 does not contain a 2 years residence history however, Borrower LOE states residence prior to xxxxxx is xxxxxx. Provide VOR or Rent free letter for prior residence xxxxxx to meet the 12 months mortgage history requirement. - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing 12-month housing payment history. Borrower resided at subject for 1 month with no payments yet due, and resided at xxxxxx for 1 year with 10 months documented. No additional residence disclosed on 1003. - Due Diligence Vendor-xxxxxx |  | Resolved--Housing history documentation is sufficient - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 63.95% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.32% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778724 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 19:19 | 2022-10-12 12:29 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Considered non-material due to compensating factors. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Considered non-material due to; - DTI 42% Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 63.95% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.32% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778724 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 16:53 | 2022-10-06 10:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received management approval letter - Due Diligence Vendor-xxxxxx <br> Open-Fraud Report Shows Uncleared Alerts - Missing evidence of management review and approval for 891 FraudGuard score. Required for scores above 800. - Due Diligence Vendor-xxxxxx |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received management approval letter - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 63.95% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.32% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778724 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 19:31 | 2022-09-30 12:16 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Asset Record 1 Does Not Meet G/L Requirements - Missing additional month's bank statement for xxxxxx #xxxxxx.. Two month's required and only the xxxxxx statement provided.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset Record 1 Does Not Meet G/L Requirements - Missing additional month's bank statement for xxxxxx #xxxxxx. Two month's required and only the 05/24/2022 statement provided.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 63.95% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.32% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778724 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 16:53 | 2022-09-30 12:15 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, lender and loan officer. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, lender and loan officer.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 63.95% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.32% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778724 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 19:00 | 2022-09-30 12:09 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Verbal VOE dated xxxxxx or after xxxxxx note date. Non-material final CD disbursement date xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Verbal VOE dated xxxxxx or after xxxxxx note date. Non-material final CD disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 63.95% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.32% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778726 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 09:58 | 2022-10-27 12:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Credit refresh provided shows mortgage payment being made on time. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence of xxxxxxxx, xxxxxx and xxxxxx payments for xxxxxx #xxxxxx(xxxxxxx to complete required 12-month history of 1x30x12. Date last active on credit report was xxxxxx and final settlement statement notes sale date of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Credit refresh provided shows mortgage payment being made on time. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Received soft pull credit report. New 46.6% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778726 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 09:58 | 2022-10-27 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Received soft pull credit report dated 06/24/2022. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report for both borrowers. DTI 46% - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Received soft pull credit report dated xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Received soft pull credit report. New 46.6% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778726 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 09:58 | 2022-10-27 12:31 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Rescinded-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Rescinded-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Received soft pull credit report. New 46.6% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778726 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 10:50 | 2022-10-17 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Verbal VOE for xxxxxx dated 10 days prior to note date. Document in file is incomplete (Missing answer to "Is the borrower currently Employed?). - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Received soft pull credit report. New 46.6% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778726 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 10:50 | 2022-10-17 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-xxxxxx <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Missing verbal VOE for xxxxxx dated 10 days prior to note date. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Received soft pull credit report. New 46.6% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778726 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 11:09 | 2022-10-09 11:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.62 month(s) are less than Guideline Required Reserves of 6 month(s) - Short by less than 1 month considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 5.62 month(s) are less than Guideline Required Reserves of 6 month(s) - Short by less than 1 month considered non-material.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Received soft pull credit report. New 46.6% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778726 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 10:00 | 2022-10-09 11:24 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. Considered non-material OFAC provided for borrower, sellers, lender and loan officer. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. Considered non-material OFAC provided for borrower, sellers, lender and loan officer.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Received soft pull credit report. New 46.6% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778726 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 10:32 | 2022-10-09 10:56 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to Final CD disbursement date xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to Final CD disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Received soft pull credit report. New 46.6% DTI is less than 49.99% maximum.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778727 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 13:09 | 2022-10-20 16:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter- - Due Diligence Vendor-xxxxxx <br> Open--Received history for xxxxxx #xxxxxxwith balance of $35,206.99 that was reviewed with origination file. Missing asset statements to meet required reserves of 6 months for subject plus one month P&I for REO ($1,297.97). - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 3.73 month(s) are less than Guideline Required Reserves of 7 month(s) -6 months reserves required for subject plus one month P&I for REO ($1,297.97). - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - ST - Credit Score higher than minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 763 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778727 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 11:52 | 2022-10-17 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved---Received soft pull credit report dated 08/08/2022. Including new tradeline, DTI is 49.46% - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Finding is material due to DTI of 49.29 DTI and short assets for reserves - Due Diligence Vendor-xxxxxx |  | Resolved---Received soft pull credit report dated 08/08/2022. Including new tradeline, DTI is 49.46% - Due Diligence Vendor-xxxxxx <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 763 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778727 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 12:04 | 2022-10-04 15:55 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, mortgage broker and loan officer. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, mortgage broker and loan officer. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 763 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778729 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 17:31 | 2022-10-20 12:39 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved--Received verification $43k was prior to xxxxxx balance and sent to title co prior to closing - Due Diligence Vendor-xxxxxx <br> Counter--Client Response: Would you please waive the asset condition? There is sufficient asset to cover closing cost & 4 mo reserve. Total gift amount is $272,000. Closing cost is $43,000 (this closing cost already deducted from xxxxxxx on x. xxxxxx xxxxxx amount is $xxxxxx (without closing cost) and xxxxxx xxxxxxis $795.8. Retirement asset is $2173.1. Therefore, total asset is $339,984.47 ($272k + $43K +$22,016.57 + $795.8 + $2173.1). Would you please review asset document again and waive asset condition?<br> - Audit Response: Missing evidence that the $43,000 withdrawal on xxxxxx from xxxxxx #xxxxxxwas for closing funds. Bank statement only notes that this was a withdrawal made in a branch/store. - Due Diligence Vendor-xxxxxx <br> Open-Total Qualified Assets Post-Close amount is '$-11770.01'. Assets are Insufficient. - Funds required to close $299,957.38 . Funds available $294,812.37 less xxxxxx balance $6,625 leaves available cash to close of $294,812.37 short funds $11,770.01 - Due Diligence Vendor-xxxxxx |  | Resolved--Received verification $43k was prior to xxxxxx balance and sent to title co prior to closing - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 70% below guideline maximum of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid score of 735 exceeds minimum required of 680.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778729 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 17:43 | 2022-10-20 12:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Received verification $43k was prior to xxxxxx balance and sent to title co prior to closing - Due Diligence Vendor-xxxxxx <br> Resolved-Audited Reserves of 5.63 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-xxxxxx <br> Open--Client Response: Would you please waive the asset condition? There is sufficient asset to cover closing cost & 4 mo reserve. Total gift amount is $272,000. Closing cost is $43,000 (this closing cost already deducted from xxxxxx 6688 on 06/24. xxxxxx 6688 amount is $22,016.57 (without closing cost) and xxxxxx 7617 is $795.8. Retirement asset is $2173.1. Therefore, total asset is $339,984.47 ($272k + $43K +$22,016.57 + $795.8 + $2173.1). Would you please review asset document again and waive asset condition? - Audit Response: Missing evidence that the $43,000 withdrawal on xxxxxx from xxxxxx #xxxxxxwas for closing funds. Bank statement only notes that this was a withdrawal made in a branch/store. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) - xxxxxx accounts #xxxxxx and #xxxxxx only one month provided, guide requires two months. Finding is material as borrower is short funds to close - Due Diligence Vendor-xxxxxx |  | Resolved--Received verification $43k was prior to xxxxxx balance and sent to title co prior to closing - Due Diligence Vendor-xxxxxx <br> Resolved-Audited Reserves of 5.63 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 70% below guideline maximum of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid score of 735 exceeds minimum required of 680.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778729 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 17:31 | 2022-10-04 14:15 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 3 Less Than 2 Months Verified | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-Asset 3 Less Than 2 Months Verified - xxxxxx accounts #xxxxxx and #xxxxxx only one month provided, guide requires two months. Finding is material as borrower is short funds for reserves - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV of 70% below guideline maximum of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid score of 735 exceeds minimum required of 680.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778729 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 16:04 | 2022-10-03 15:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV of 70% below guideline maximum of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid score of 735 exceeds minimum required of 680.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778729 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 16:56 | 2022-10-03 15:07 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Waived-Borrower 2 3rd Party VOE Prior to Close Missing - VVOE provided from xxxxxx is dated xxxxxx after closing date of xxxxxx. - Verbal VOE is post-close. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 2 3rd Party VOE Prior to Close Missing - VVOE provided from xxxxxx is dated xxxxxx after closing date of xxxxxx. - Verbal VOE is post-close. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV of 70% below guideline maximum of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid score of 735 exceeds minimum required of 680.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778729 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 16:56 | 2022-10-03 15:06 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - VVOE provided from xxxxxx is dated xxxxxx after closing date of xxxxxx. --Completed verbal VOE is post-close, Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - VVOE provided from xxxxxx is dated xxxxxx after closing date of xxxxxx. --Completed verbal VOE is post-close, Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV of 70% below guideline maximum of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid score of 735 exceeds minimum required of 680.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778729 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 17:11 | 2022-10-03 15:04 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower, Seller and LO and company are present. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower, Seller and LO and company are present. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV of 70% below guideline maximum of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid score of 735 exceeds minimum required of 680.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778731 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 17:22 | 2022-10-17 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Rec'd copy of statements to verify borrower is not obligated on either mtg on xxxxxx. Pay history for property not required. Also rec'd evidence that property is SFR with taxes and HOI documented. - Due Diligence Vendor-xxxxxx <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - unable to verify 12 months housing history on the REO property (xxxxxx). Also need proof that the June payments were made for both the xxxxxx and xxxxxxmortgages on the property. <br> - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd copy of statements to verify borrower is not obligated on either mtg on xxxxxx. Pay history for property not required. Also rec'd evidence that property is SFR with taxes and HOI documented. - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 731 exceeds minimum of 680.<br>Months Reserves exceed minimum required - Borrower has 29 months reserves which exceeds the guideline requirement of 7 months (6 + 1 for REO). |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778731 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 12:34 | 2022-10-17 11:34 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Rec'd copy of statements to verify borrower is not obligated on either mtg on xxxxxx. Pay history for property not required. Also rec'd evidence that property is SFR with taxes and HOI documented. - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors -(1) Housing History Does Not Meet Guideline Requirements - unable to verify 12 months housing history on the REO property (xxxxxx). Also need proof that the June payments were made for both the xxxxxx and xxxxxx mortgages on the property<br> -(2) Missing HOA status for xxxxxx property - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd copy of statements to verify borrower is not obligated on either mtg on xxxxxx. Pay history for property not required. Also rec'd evidence that property is SFR with taxes and HOI documented. - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 731 exceeds minimum of 680.<br>Months Reserves exceed minimum required - Borrower has 29 months reserves which exceeds the guideline requirement of 7 months (6 + 1 for REO). |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778731 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 12:34 | 2022-10-17 11:33 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 731 exceeds minimum of 680.<br>Months Reserves exceed minimum required - Borrower has 29 months reserves which exceeds the guideline requirement of 7 months (6 + 1 for REO). |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778731 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 17:24 | 2022-10-04 14:27 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived--Missing documentation to determine if HOA is required on investment property xxxxxx. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Missing documentation to determine if HOA is required on investment property xxxxxx. - Finding is deemed non-material due to DTI of 30.19%. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 731 exceeds minimum of 680.<br>Months Reserves exceed minimum required - Borrower has 29 months reserves which exceeds the guideline requirement of 7 months (6 + 1 for REO). |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778731 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 16:31 | 2022-10-03 12:41 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower is present. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower is present. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 731 exceeds minimum of 680.<br>Months Reserves exceed minimum required - Borrower has 29 months reserves which exceeds the guideline requirement of 7 months (6 + 1 for REO). |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778732 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-04 11:44 | 2022-10-14 09:22 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received CDA which supports original appraised value - Due Diligence Vendor-xxxxxx <br> Open--Missing Third Party Appraisal Review from 1 of the 3 vendors below:<br> 1. CDA report from xxxxxx<br> 2. ARR from xxxxxx<br> 3. ARA from xxxxxx<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received CDA which supports original appraised value - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Over 115 months reserves with 4 months required per guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico score of 751 exceeds guideline 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778732 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-12 13:34 | 2022-10-14 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Received management approval letter - Due Diligence Vendor-xxxxxx <br> Open-Third Party Fraud Report Partially Provided - Missing management approval to allow >= 800 or 843 xxxxxx report score. - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Received management approval letter - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Over 115 months reserves with 4 months required per guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico score of 751 exceeds guideline 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778732 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-01 08:39 | 2022-10-04 14:35 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived- Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--considered non material due to 751 fico and 111 months in additional reserves. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Over 115 months reserves with 4 months required per guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico score of 751 exceeds guideline 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778732 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-01 08:41 | 2022-10-04 11:47 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC list however, Borrower and LO are present. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Over 115 months reserves with 4 months required per guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico score of 751 exceeds guideline 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778732 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-28 13:10 | 2022-10-14 09:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-Missing Homeowner Counseling Disclosure provided within 3 days of application dated xxxxxx<br> Statute of Limitations - One year - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Over 115 months reserves with 4 months required per guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico score of 751 exceeds guideline 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778732 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-28 13:10 | 2022-09-28 16:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Over 115 months reserves with 4 months required per guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico score of 751 exceeds guideline 680 minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778734 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 13:35 | 2022-10-03 13:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 4.49 month(s) are less than Guideline Required Reserves of 6 month(s) Considered non-material due to;<br> - FICO 777 <br> - DTI 35.13%<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 35.13% is 14.86% lower than maximum 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 777 is 77 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778734 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 13:12 | 2022-10-03 13:12 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with OFAC Lists, However, Borrower and Seller are present. <br> - Considered non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 35.13% is 14.86% lower than maximum 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 777 is 77 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778734 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 12:48 | 2022-10-20 12:42 | Resolved | 1 - Information C A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx <br>Open-Missing Initial Arm Disclosure provided within 3 days of application date of xxxxxx. Statute of Limitations - One year - Due Diligence Vendor-xxxxxx |  | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 35.13% is 14.86% lower than maximum 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 777 is 77 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778744 | xxxxxx D B A | Closed | xxxxxx | 2022-10-04 09:40 | 2022-10-20 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Validation Resolved - Received fully executed purchase agreement - Due Diligence Vendor-xxxxxx <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Purchase contract in file shows buyer as xxxxxx purchasing the subject property as all cash. Missing fully executed contract showing xxxxxx as buyer with financing. - Due Diligence Vendor-xxxxxx |  | Resolved-Validation Resolved - Received fully executed purchase agreement - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 762 exceeds minimum required of 720.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778744 | xxxxxx D B A | Closed | xxxxxx | 2022-10-04 10:35 | 2022-10-08 17:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Waived- - Due Diligence Vendor-xxxxxx <br>Open-Audited Reserves of 4.8 month(s) are less than Guideline Required Reserves of 6 month(s) - Reserves are short by $6022.83, considered non material due to Monthly residual income $6900.52 and 42% DTI - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 762 exceeds minimum required of 720.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778744 | xxxxxx D B A | Closed | xxxxxx | 2022-10-04 10:23 | 2022-10-07 16:17 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, Seller(s), LO and company are present. Considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, Seller(s), LO and company are present. Considered non-material.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 762 exceeds minimum required of 720.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778744 | xxxxxx D B A | Closed | xxxxxx | 2022-09-30 13:21 | 2022-09-30 14:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 762 exceeds minimum required of 720.<br>Qualifying DTI below maximum allowed - - DTI of 42% below maximum allowed of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778745 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 12:16 | 2022-10-17 12:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received clear xxxxxx search for borrower. - Due Diligence Vendor-xxxxxx <br>Open-Fraud Report Shows Uncleared Alerts - xxxxxx lert for Borrower not cleared. - Due Diligence Vendor-xxxxxx |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received clear Sam.gov search for borrower. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below guideline max.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 106 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778745 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 12:16 | 2022-10-06 11:49 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - Missing OFAC and Exclusionary Lists check for all interested parties. OFAC, HUD, LDP, FHFA SCP provided only for borrower, seller, mortgage broker and loan officer. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - Missing OFAC and Exclusionary Lists check for all interested parties. OFAC, HUD, LDP, FHFA SCP provided only for borrower, seller, mortgage broker and loan officer. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below guideline max.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 106 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778745 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 12:20 | 2022-09-30 12:20 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - only one month stmt provided for xxxxxx, guidelines require two months. Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - only one month stmt provided for #4370, guidelines require two months. Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below guideline max.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 106 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778745 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 15:24 | 2022-11-10 11:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Received COC dated xxxxxx - Due Diligence Vendor-xxxxxx <br> Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Counter-Client provided COC dated xxxxxx. Origination increase on LE:xxxxxx 2. COC must be provided 3 days prior to and including the day of the increase, unable to apply a COC to any increase prior to change date. - Due Diligence Vendor-xxxxxx <br> Counter-Client provided subsequent LE: xxxxxx -2. Initial LE: xxxxxx -1 with interest rate of 6.990 and Origination fee of $3,480 remains the initial LE, finding remains. Please provide a valid change of circumstance for the $xxxxxx increase or evidence of refund in the amount $ xxxxxx no later than 60 calendar days after consummation date of xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,740.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Origination fee increased from $3,480 on the initial LE: xxxxxx to $5,220.00 on the final CD:xxxxxx. Please provide a valid change of circumstance for the $1,740.00 increase or evidence of refund in the amount $1,740.00 no later than 60 calendar days after consummation date of xxxxxx<br> Statute of Limitations - Three years<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received COC dated xxxxxx - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below guideline max.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 106 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778745 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 15:24 | 2022-10-17 13:05 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Addressed in xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Addressed in xxxxxx - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below guideline max.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 106 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778745 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 15:24 | 2022-10-17 13:05 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Addressed in xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Addressed in xxxxxx - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below guideline max.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 106 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778745 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 15:04 | 2022-10-17 12:34 | Resolved | 1 - Information C A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved--Received ARM disclosure signed by borrower on xxxxxx. - Due Diligence Vendor-xxxxxx <br> Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx <br> Open--ARM disclosure dated xxxxxx not provided within 3 days of application date of xxxxxx. Statute of limitations - One year - Due Diligence Vendor-xxxxxx |  | Resolved--Received ARM disclosure signed by borrower on xxxxxx. - Due Diligence Vendor-xxxxxx <br>Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below guideline max.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 106 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778745 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 15:04 | 2022-10-17 12:33 | Resolved | 1 - Information A | Compliance | Disclosure | Escrow Waiver is Not Executed | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-Escrow Waiver is Executed - Due Diligence Vendor-xxxxxx |  | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-Escrow Waiver is Executed - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below guideline max.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 106 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778746 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 12:28 | 2022-10-17 13:01 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved- - Received copy of final 1003 with highlights showing borrower owned xxxxxx for 28 years. Also received property report showing grant deed to borrower on xxxxxx, and mortgage recorded xxxxxx and that borrower was free and clear from xxxxxx xxxxxx to xxxxxx. - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors Housing History Does Not Meet Guideline Requirements - Missing VOM for xxxxxx from xxxxxx to xxxxxx to complete 12 months. Current mortgage with xxxxxx opened xxxxxx with history up until xxxxxx. Evidencing no more than 1x30x12. - Due Diligence Vendor-xxxxxx |  | Resolved- - Received copy of final 1003 with highlights showing borrower owned xxxxxx for 28 years. Also received property report showing grant deed to borrower on xxxxxx, and mortgage recorded xxxxxx and that borrower was free and clear from xxxxxx to xxxxxx . - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 728 exceeds 700 requirement.<br>LTV is less than guideline maximum - - LTV of 75% less than 80% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778746 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 12:28 | 2022-10-17 13:00 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 728 exceeds 700 requirement.<br>LTV is less than guideline maximum - - LTV of 75% less than 80% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778746 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 11:17 | 2022-10-17 12:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved--Received final title policy with coverage of $xxxxxx. - Due Diligence Vendor-xxxxxx <br> Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Missing evidence of title policy coverage amount. - Due Diligence Vendor-xxxxxx |  | Resolved--Received final title policy with coverage of $xxxxxx . - Due Diligence Vendor-xxxxxx <br> Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 728 exceeds 700 requirement.<br>LTV is less than guideline maximum - - LTV of 75% less than 80% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778746 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 12:19 | 2022-10-17 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Received copy of final 1003 with highlights showing borrower owned xxxxxx for 28 years. Also received property report showing grant deed to borrower on xxxxxx, and mortgage recorded xxxxxx and that borrower was free and clear from xxxxxx1 to xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing VOM for xxxxxx from xxxxxx to complete 12 months. Current mortgage with xxxxxx opened xxxxxx with history up until xxxxxx. Evidencing no more than 1x30x12. - Due Diligence Vendor-xxxxxx |  | Resolved-Housing History Meets Guideline Requirements - Received copy of final 1003 with highlights showing borrower owned xxxxxx for 28 years. Also received property report showing grant deed to borrower on xxxxxx, and mortgage recorded xxxxxx and that borrower was free and clear from xxxxxx to xxxxxx . - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 728 exceeds 700 requirement.<br>LTV is less than guideline maximum - - LTV of 75% less than 80% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778746 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 12:00 | 2022-10-06 12:25 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Considered non-material due to; Final CD disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 728 exceeds 700 requirement.<br>LTV is less than guideline maximum - - LTV of 75% less than 80% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778746 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 12:22 | 2022-10-06 12:16 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present.<br> Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 728 exceeds 700 requirement.<br>LTV is less than guideline maximum - - LTV of 75% less than 80% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778746 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 12:57 | 2022-10-06 12:07 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - xxxxxx acct #xxxxxx one month statement provided, guide requires two. Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - xxxxxx acct #xxxxxx one month statement provided, guide requires two.<br> Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 728 exceeds 700 requirement.<br>LTV is less than guideline maximum - - LTV of 75% less than 80% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778746 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 11:35 | 2022-10-06 11:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 728 exceeds 700 requirement.<br>LTV is less than guideline maximum - - LTV of 75% less than 80% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778746 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 15:21 | 2022-10-17 12:58 | Resolved | 1 - Information C A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Received ARM disclosure e-signed by borrower on xxxxxx. - Due Diligence Vendor-xxxxxx<br> Open--Missing Early Arm Disclosure within 3 days of application date of xxxxxx. Statute of Limitation - One year - Due Diligence Vendor-xxxxxx |  | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Received ARM disclosure e-signed by borrower on xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 728 exceeds 700 requirement.<br>LTV is less than guideline maximum - - LTV of 75% less than 80% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778751 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:45 | 2022-10-26 12:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx <br> Counter--Rec'd EMD gift letter and wire; borrower remains short $3855.43 in reserves. Finding to remain. - Due Diligence Vendor-xxxxxx <br> Counter-Received post close CD issued xxxxxx noting EMD of $34,500. Missing evidence of the $34,500 EMD clearing borrower's bank account. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) - Total reserves required $26,590.88 or 4 months. Provide documentation, VOD or 2 months bank statement to support reserves. (Loan is short cash to close by $11,657.81) Total reserves and cast to close short = $38,248.69. - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 702 is 42 points higher than required 660<br>LTV is less than guideline maximum - - LTV 70% is 10% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778751 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:36 | 2022-10-24 12:55 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor xxxxxx <br>Open-Received post close CD issued xxxxxx noting EMD of $34,500. Missing evidence of the $34,500 EMD clearing borrower's bank account. - Due Diligence Vendor-xxxxxx <br>Open-Total Qualified Assets Post-Close amount is '$-11657.81'. Assets are Insufficient. - Verified assets $368,308.82. Per CD funds to close $379,966.64. Provide VOD or 2 months Bank statement to support funds to close. - Due Diligence Vendor-xxxxxx |  | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 702 is 42 points higher than required 660<br>LTV is less than guideline maximum - - LTV 70% is 10% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778751 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 13:37 | 2022-10-24 12:55 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Received legible gift letters - Due Diligence Vendor xxxxxx<br> Open-Asset Qualification Does Not Meet Guideline Requirements - Provide legible and complete gift letter for $121.000 ; $64000 ;$64000 ; $98000. Gift letters in file are illegible and do not meet guideline.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Asset Qualification Meets Guideline Requirements - Received legible gift letters - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 702 is 42 points higher than required 660<br>LTV is less than guideline maximum - - LTV 70% is 10% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778751 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:50 | 2022-10-17 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Received LOX from borrower for all inquiries. - Due Diligence Vendor-xxxxxx <br>Open-- Provide executed explanation letter and documentation to support if recent inquiries on xxxxxx soft pull credit report resulted in new accounts: xxxxxx General Mortgage Cap; xxxxxx xxxxxx; xxxxxx xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received LOX from borrower for all inquiries. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 702 is 42 points higher than required 660<br>LTV is less than guideline maximum - - LTV 70% is 10% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778751 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:03 | 2022-10-09 08:20 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non- material CD reflect disbursement date of xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 702 is 42 points higher than required 660<br>LTV is less than guideline maximum - - LTV 70% is 10% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778751 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:36 | 2022-10-07 13:00 | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Less Than 2 Months Verified | Waived-Asset 3 Less Than 2 Months Verified - Guideline require 2 months bank statements. File contain xxxxxx account one month Bank Statement. Considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 3 Less Than 2 Months Verified - Guideline require 2 months bank statements. File contain xxxxxx account one month Bank Statement.<br> Considered non-material.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 702 is 42 points higher than required 660<br>LTV is less than guideline maximum - - LTV 70% is 10% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778751 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:53 | 2022-10-07 12:27 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower, Seller(s) and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Considered non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower, Seller(s) and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 702 is 42 points higher than required 660<br>LTV is less than guideline maximum - - LTV 70% is 10% less than maximum 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778752 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 15:49 | 2022-10-24 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided-Rec'd fully completed VVOE in trailing docs. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - VVOE dated xxxxxx provided does not state whether borrower is currently employed. All boxes on the VVOE form regarding employment were left blank. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided-Rec'd fully completed VVOE in trailing docs. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -9 months reserves exceeds the 4 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 755 exceeds minimum required FICO of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778752 | xxxxxx D B A | Closed | xxxxxx | 2022-10-05 16:29 | 2022-10-06 14:53 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - xxxxxx acct #xxxxxx one month statement provided, guide requires two months. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - xxxxxx acct # xxxxxx one month statement provided, guide requires two months.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -9 months reserves exceeds the 4 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 755 exceeds minimum required FICO of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778752 | xxxxxx D B A | Closed | xxxxxx | 2022-10-05 15:23 | 2022-10-06 14:02 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -9 months reserves exceeds the 4 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 755 exceeds minimum required FICO of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778752 | xxxxxx D B A | Closed | xxxxxx | 2022-10-05 14:59 | 2022-10-06 13:58 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material Disbursement date on CD is xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -9 months reserves exceeds the 4 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 755 exceeds minimum required FICO of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778761 | xxxxxx D B A | Closed | xxxxxx | 2022-10-12 13:51 | 2022-10-17 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Rec'd Mgmt approval. - Due Diligence Vendor-xxxxxx <br> Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br> Open-Third Party Fraud Report Partially Provided - Missing management approval to allow >= 800 or 843 xxxxxx Fraud report score. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd Mgmt approval. - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 112.13 months reserves and 4 months required.<br>LTV is less than guideline maximum - 60% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 41.54% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 709 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778761 | xxxxxx D B A | Closed | xxxxxx | 2022-10-12 17:38 | 2022-10-17 12:07 | Resolved | 1 - Information A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved--Rec'd corrected 1003. - Due Diligence Vendor-xxxxxx <br> Open-The Final 1003 is Incomplete - Final 1003 does not show 2 years of self-employment. Although CPA letter notes business organized in xxxxxxand P&L provided from xxxxxx - xxxxxx, 1003 notes a start date of xxxxxx. Clarification required since guidelines require that borrower must be self-employed for at least 2 years. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd corrected 1003. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 112.13 months reserves and 4 months required.<br>LTV is less than guideline maximum - 60% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 41.54% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 709 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778761 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 13:05 | 2022-10-10 08:00 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower and Seller are present. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 112.13 months reserves and 4 months required.<br>LTV is less than guideline maximum - 60% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 41.54% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 709 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778761 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 13:46 | 2022-10-17 12:08 | Resolved | 1 - Information A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved--Rec'd corrected 1003. - Due Diligence Vendor-xxxxxx<br> Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br> Rescinded- - Due Diligence Vendor-xxxxxx<br> Open-The Final 1003 is Incomplete - Final 1003 does not show 2 years of self-employment. Although CPA letter notes business organized in xxxxxx and P&L provided from xxxxxx - xxxxxx, 1003 notes a start date of xxxxxx. Clarification required since guidelines require that borrower must be self-employed for at least 2 years. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd corrected 1003. - Due Diligence Vendor-xxxxxx<br> Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 112.13 months reserves and 4 months required.<br>LTV is less than guideline maximum - 60% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 41.54% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 709 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778761 | xxxxxx D B A | Closed | xxxxxx | 2022-09-28 04:11 | 2022-09-28 15:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Months Reserves exceed minimum required - 112.13 months reserves and 4 months required.<br>LTV is less than guideline maximum - 60% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 41.54% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 709 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778767 | xxxxxx D A C | Closed | xxxxxx | 2022-10-07 13:16 | 2022-10-21 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br> Open-Missing Third Party Fraud Report - Missing fraud report performed by an approved vendor. Fraud report missing. - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 743 exceeds 660 minimum.<br>LTV is less than guideline maximum - - LTV of 70% less than program maximum of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778767 | xxxxxx D A C | Closed | xxxxxx | 2022-10-10 12:27 | 2022-10-21 11:35 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx <br> Open--Missing OFAC for all companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction are on any of the following lists:<br> - xxxxxxt<br> - xxxxxx <br> - xxxxxx <br> - xxxxxx Exclusionary List - Due Diligence Vendo-xxxxxx<br> Open-OFAC Check Not Completed and/or Cleared Missing OFAC/GSA/LDP for borrower/seller, and any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. - Due Diligence Vendor-xxxxxx |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 743 exceeds 660 minimum.<br>LTV is less than guideline maximum - - LTV of 70% less than program maximum of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778767 | xxxxxx D A C | Closed | xxxxxx | 2022-10-17 13:33 | 2022-10-21 11:35 | Resolved | 1 - Information A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-xxxxxx <br>Counter--Received HUD LDP. Missing Exclusionary/SAM.gov check for all individuals and companies to the transaction. <br> xxxxxx<br> xxxxxx<br> xxxxxx<br> xxxxxx<br> xxxxxx<br> xxxxxx<br> xxxxxx - Due Diligence Vendor xxxxxx<br> Open--NEW --Missing OFAC for all companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction are on any of the following lists:<br> - General Services Administration (GSA) Excluded Party List<br> - HUD Limited Denial of Participation List (LDP List)<br> - OFAC List<br> - xxxxxx Exclusionary List - Due Diligence Vendor-xxxxxx |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 743 exceeds 660 minimum.<br>LTV is less than guideline maximum - - LTV of 70% less than program maximum of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778767 | xxxxxx D A C | Closed | xxxxxx | 2022-10-17 13:33 | 2022-10-21 11:35 | Resolved | 1 - Information A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx <br>Open--NEW - Fraud report has uncleared High Alerts for Income/Employment and Identity - Due Diligence Vendor-xxxxxx <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-xxxxxx |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 743 exceeds 660 minimum.<br>LTV is less than guideline maximum - - LTV of 70% less than program maximum of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778767 | xxxxxx D A C | Closed | xxxxxx | 2022-10-10 12:42 | 2022-10-17 13:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved--Upon further review, this is not required - Due Diligence Vendor xxxxxx <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-xxxxxx <br>Open-Asset Record 1 Does Not Meet G/L Requirements - Final CD dated xxxxxx does not show gift funds of $128,000 received from donor. - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review, this is not required - Due Diligence Vendor-xxxxxx<br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 743 exceeds 660 minimum.<br>LTV is less than guideline maximum - - LTV of 70% less than program maximum of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778767 | xxxxxx D A C | Closed | xxxxxx | 2022-10-06 11:08 | 2022-10-27 13:28 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, Clarifii concurs with rebuttal that intangible tax falls under transfer taxes - Due Diligencevendor- xxxxxx<br> Ready for Review- "Intangibles Tax" part of a state tax. Per TRID, any city, county, or state is considered to be "Transfer Taxes". - Buyer xxxxxx<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $763.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Intangible tax increased from $0 on the initial LE: xxxxxx to $763.50 on the final CD: xxxxxx. Please provide a valid change of circumstance for the $763.50 increase or evidence of refund in the amount $763.50 no later than 60 calendar days after consummation date of xxxxxx.<br> Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | esolved-Upon further review, Clarifii concurs with rebuttal that intangible tax falls under transfer taxes - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 743 exceeds 660 minimum.<br>LTV is less than guideline maximum - - LTV of 70% less than program maximum of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778767 | xxxxxx D A C | Closed | xxxxxx | 2022-10-06 12:15 | 2022-10-27 12:47 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Service Provider List | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded-All fees in Section B, not required. - Due Diligence Vendo xxxxxx <br>Open--Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | Rescinded-All fees in Section B, not required. - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 743 exceeds 660 minimum.<br>LTV is less than guideline maximum - - LTV of 70% less than program maximum of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778767 | xxxxxx D A C | Closed | xxxxxx | 2022-10-06 10:32 | 2022-10-17 13:26 | Resolved | 1 - Information C A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx<br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date Missing Initial / Early Arm Disclosure provided within 3 days of application date of xxxxxx.<br> Statute of Limitation - One year - Due Diligence Vendor-xxxxxx |  | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 743 exceeds 660 minimum.<br>LTV is less than guideline maximum - - LTV of 70% less than program maximum of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778770 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 11:00 | 2022-10-17 12:42 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved--Rec'd updated Fraud report to include all interested parties in report. - Due Diligence Vendor-xxxxxx<br> Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx<br>Open-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower and Loan officer and not the Seller. Guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd updated Fraud report to include all interested parties in report. - Due Diligence Vendor-xxxxxx <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 44.92% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 772 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778770 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 11:00 | 2022-10-17 12:42 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-0Rec'd updated Fraud report to include all interested parties in report. - Due Diligence Vendor-xxxxxx<br> Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-xxxxxx <br> Open-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower and Loan officer and not the Seller. Guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. - Due Diligence Vendor-xxxxxx |  | Resolved-0Rec'd updated Fraud report to include all interested parties in report. - Due Diligence Vendor-xxxxxx<br> Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 44.92% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 772 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778770 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 11:31 | 2022-10-06 13:22 | Waived | 2 - Non-Material B | Credit | Assets | Asset 2 Less Than 2 Months Verified | Waived-Asset 2 Less Than 2 Months Verified - Audit reviewed June statement and updated statement balance till xxxxxx does not meet guideline requirement of 2 months Bank statement. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 2 Less Than 2 Months Verified - Audit reviewed June statement and updated statement balance till xxxxxx does not meet guideline requirement of 2 months Bank statement. Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 44.92% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 772 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778770 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 14:03 | 2022-09-28 14:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 44.92% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 772 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778771 | xxxxxx B A | Closed | xxxxxx | 2022-10-06 18:50 | 2022-10-09 20:18 | Waived | 2 - Non-Material B | Credit | Assets | Asset 2 Less Than 2 Months Verified | Waived-Asset 2 Less Than 2 Months Verified - Only one month provided and guidelines require two months. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 2 Less Than 2 Months Verified - Only one month provided and guidelines require two months.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 8.72% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 89 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778771 | xxxxxx B A | Closed | xxxxxx | 2022-10-06 18:46 | 2022-10-09 20:17 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - Missing OFAC and Exclusionary Lists check for all interested parties. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - Missing OFAC and Exclusionary Lists check for all interested parties. Considered non-material due to OFAC, HUD, LDP, FHFA SCP provided only for borrower, seller, mortgage broker and loan officer.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 8.72% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 89 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778771 | xxxxxx B A | Closed | xxxxxx | 2022-10-06 18:27 | 2022-10-09 20:14 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to Effective prior to final CD disbursement on xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 8.72% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 89 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778771 | xxxxxx B A | Closed | xxxxxx | 2022-09-28 05:08 | 2022-09-28 15:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 8.72% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 89 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778773 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-07 16:36 | 2022-11-02 12:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12 month recent payment history made by borrower to xxxxxx. Account is not reporting on credit since borrower is not on the mortgage. - Due Diligence Vendor-xxxxxx |  | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more. - Finding is deemed non-material as mortgage statement in file does not reflect any late pays or information stating the loan is in Foreclosure, Modified or Forbearance. - Due Diligence Vendor xxxxxx<br>| Months Reserves exceed minimum required - -77 months reserves exceeds minimum of 4 months.<br>LTV is less than guideline maximum - - LTV of 65% less than max allowed of 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778773 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-07 16:37 | 2022-10-09 16:26 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material Borrower name, LO and company are present.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -77 months reserves exceeds minimum of 4 months.<br>LTV is less than guideline maximum - - LTV of 65% less than max allowed of 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778773 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-06 09:50 | 2022-10-17 12:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Rec'd complete list in trailing docs. - Due Diligence Vendor-xxxxxx<br> Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Homeowner Counseling Disclosure does not include list of providers in order to determine required 10 providers are included. Statute of Limitations - One year - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Rec'd complete list in trailing docs. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -77 months reserves exceeds minimum of 4 months.<br>LTV is less than guideline maximum - - LTV of 65% less than max allowed of 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778773 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-06 09:50 | 2022-10-06 11:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Months Reserves exceed minimum required - -77 months reserves exceeds minimum of 4 months.<br>LTV is less than guideline maximum - - LTV of 65% less than max allowed of 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778774 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 11:36 | 2022-11-08 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Received supporting documentation - Due Diligence Vendor-xxxxxx <br> Counter--Received LOE which is not relevant to the original Finding. Missing Mortgage history for xxxxxx #xxxxxx (being paid off at closing) which is not reporting on credit report therefore, unable to determine if no more than 1x30x12 - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Buyer-xxxxxx <br> Counter--SELLER: Please see uploaded LOE for Housing History. AUDIT RESPONSE: Seller comment does not match required conditions and no documents were attached, Still missing LOX for xxxxxxinquiry by xxxxxx. Including new tradeline, DTI is 47.84%.) - Due Diligence Vendor-xxxxxx <br> Counter--Received soft pull credit report pulled *07/26/20*22. Missing LOX for xxxxxxinquiry by xxxxxx. Including new tradeline, DTI is 47.84%. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Missing soft-pull credit report prior to closing as required by guidelines. DTI 46.28% - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Received supporting documentation - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - - Verified additional 32 months reserves from cash-out on subject transaction.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 38 points above minimum required. |  | xxxxxx LOE for Housing History.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778774 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 11:36 | 2022-11-08 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br> Resolved--Received supporting documentation - Due Diligence Vendor xxxxxx<br> Counter--Document provided, prior VOM with xxxxxx, is not relevant to the original Finding. Missing Mortgage history for xxxxxx #xxxxxx(being paid off at closing) which is not reporting on credit report therefore, unable to determine if no more than 1x30x12 - Due Diligence Vendor xxxxxx<br> Ready for Review-Document Uploaded. - Buyer-xxxxxx <br> Counter--Please see uploaded LOE for Housing History. (AUDIT RESPONSE) No document attached.<br> - Due Diligence Vendor-xxxxxx <br> Counter--Received VOM for mortgage paid off xxxxxx that was reviewed with origination file. Missing history from account opening in xxxxxx throughxxxxxx. - Due Diligence Vendor-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Current subject mortgage pay history missing from account opening in 09/2021 through xxxxxx xxxxxx payment verified as not being 30 days late. Email from Lender in file states Housing Payment History attached however, this is not provided in the file. - Due Diligence Vendor-xxxxxx |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor xxxxxx <br>Resolved--Received supporting documentation - Due Diligence Vendor xxxxxx<br>| Months Reserves exceed minimum required - - Verified additional 32 months reserves from cash-out on subject transaction.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 38 points above minimum required. |  | xxxxxx Housing Payment History.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778774 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 11:19 | 2022-10-27 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved--Received corrected verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. - Buyer-xxxxxx<br> Counter--SELLER: Revised VVOE with CPA's Number has been uploaded. (AUDIT RESPONSE) Document not attached.<br> - Due Diligence Vendor-xxxxxx<br> Counter--Received Verbal VOE updated with a phone number also associated with borrower's business and did not match CPA contact number. Need third party verification of employment/business prior to closing. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - VVOE in file reflects CPA verified employment prior to closing, however, phone number contacted is Borrower business and not CPA contact number. Need third party verification of employment/business prior to closing. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified additional 32 months reserves from cash-out on subject transaction.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 38 points above minimum required. |  | xxxxxx OWNER OK REV 2 VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778774 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 11:38 | 2022-10-10 13:39 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - Missing OFAC and Exclusionary Lists check for all interested parties. OFAC, HUD, LDP, FHFA SCP provided only for borrower, mortgage broker and loan officer. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - Missing OFAC and Exclusionary Lists check for all interested parties. OFAC, HUD, LDP, FHFA SCP provided only for borrower, mortgage broker and loan officer. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - - Verified additional 32 months reserves from cash-out on subject transaction.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 38 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778775 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 16:18 | 2022-10-19 09:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved--Received post-close CD dated xxxxxx with a disbursement date of xxxxxx - Due Diligence Vendor-xxxxxx <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-xxxxxx<br> Open-Asset Record 1 Does Not Meet G/L Requirements - Material Three gift wires were sent to title after xxxxxx disbursement date noted on final CD in file. $55,000 and $60,000 was wired to title on xxxxxx. $120,000 was wired to title on xxxxxx.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received post-close CD dated xxxxxx with a disbursement date of xxxxxx - Due Diligence Vendor-xxxxxx<br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.51% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778775 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 16:00 | 2022-10-09 17:22 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower and Seller are present. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.51% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778775 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 16:28 | 2022-10-09 17:16 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to final CD disbursement date of xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.51% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778775 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 10:16 | 2022-09-30 13:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 43.51% DTI is less than 49.99% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778776 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 13:35 | 2022-10-19 10:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.22 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx <br>Open-Audited Reserves of 4.22 month(s) are less than Guideline Required Reserves of 6 month(s) - Missing sufficient assets to support 6 months reserves. Finding is deemed material as borrowers are going from an $800 a month rent payment to a $6624.98 monthly housing payment. - Due Diligence Vendor-xxxxxx |  | Resolved-Audited Reserves of 9.22 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 789 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778776 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 13:47 | 2022-10-10 08:59 | Waived | 2 - Non-Material B | Credit | Assets | Asset 5 Less Than 2 Months Verified | Waived-Asset 5 Less Than 2 Months Verified - Missing 2 months statements for xxxxxx xxxxxx accounts. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 5 Less Than 2 Months Verified - Missing 2 months statements for xxxxxx Money Market accounts. - Finding is deemed non-material due to the low balance and ending balance from prior months is provided. --Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 789 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778776 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 13:09 | 2022-10-10 08:50 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing 10 day soft-pull credit report, credit report in file is 16 days from closing. Loan DTI is 45.04%, LTV is 74.98%, mid FICO is 789. Borrowers have low credit usage, excellent prior rent history and majority of funds used for closing and reserves is from borrowers own assets. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 789 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778776 | xxxxxx C B A | Closed | xxxxxx | 2022-10-03 12:20 | 2022-10-10 08:45 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Final CD reflects a Disbursement date of xxxxxx. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Final CD reflects a Disbursement date of xxxxxx. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 789 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778776 | xxxxxx C B A | Closed | xxxxxx | 2022-10-10 08:24 | 2022-10-10 08:42 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC/Exclusionary checklist for all companies/individuals party to the transaction. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Missing OFAC/Exclusionary checklist for all companies/individuals party to the transaction however, Borrower and Seller have been checked and are clear. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 789 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778776 | xxxxxx C B A | Closed | xxxxxx | 2022-09-30 08:27 | 2022-09-30 13:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 789 exceeds guideline minimum of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778777 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-06 12:17 | 2022-10-17 14:11 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Received updated appraisal which specifically addresses the ADU, comps with ADU and that it is common in the area - Due Diligence Vendor-xxxxxx<br>Open--Property has an accessory dwelling unit. Appraiser did not comment on whether any of the comps provided have an ADU and did not comment on whether it is common for the area.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated appraisal which specifically addresses the xxxxxx, comps with xxxxxx and that it is common in the area - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 35% is below max allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 767 exceeds minimum 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778777 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-06 14:24 | 2022-11-09 14:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Rec'd xxxxxx property report confirming Borrower has no ownership interest in property located at xxxxxx. - Due Diligence Vendor-xxxxxx <br> Counter--Received copy of the mortgage statement with xxxxxx due date that was reviewed with file. Lender highlighted that mortgage statement was in name of third party. However, per the fraud report in file, borrower is also an owner. Missing 12 month payment history for xxxxxx. Must be 1x30x12. - Due Diligence Vendor-xxxxxx <br> Open--Received copy of the mortgage statement with xxxxxx due date that was reviewed with file. Lender highlighted that mortgage statement was in name of third party. However, per the fraud report in file, borrower is also an owner. Missing 12 month payment history for xxxxxx. Must be 1x30x12. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12 month payment history for xxxxxx, property xxxxxx. Only a mortgage statement was provided showing due date of xxxxxx and this account is not reporting on credit report. Must be 1x30x12. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd RealQuest property report confirming Borrower has no ownership interest in property located a xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 35% is below max allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 767 exceeds minimum 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778777 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-09 18:32 | 2022-10-17 14:31 | Waived | 2 - Non-Material C B | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing proof of a bank statement showing the deposit of the security check and/or rental payment(s). - Due Diligence Vendor-xxxxxx |  | Waived--Client response: see attached lease agreement for xxxxxx. There was a cashiers check purchased by the tenant. Cashiers checks can only be purchased in cash. The information on the lease match the remitter on a check and its paid to the order of our borrower. The date of the check match the lease agreement was made. The memo has first months rent and deposit. -(AUDIT RESPONSE) - Agree, while the file is missing the verification of deposit, the finding is deemed non-material which the documentation provided. - Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor xxxxxx | Qualifying DTI below maximum allowed - - DTI 35% is below max allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 767 exceeds minimum 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778777 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-09 18:32 | 2022-10-17 14:30 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 35% is below max allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 767 exceeds minimum 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778777 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-09 18:21 | 2022-10-17 14:29 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Per guideline to convert a departure residence to a rental. A recent conversion which occurred within the last 60-days must show a signed lease agreement and a bank statement showing the deposit of the security check and/or rental payment(s). Audit reviewed lease agreement dated xxxxxx and security deposit $4950 for xxxxxx. However missing proof of a bank statement showing the deposit of the security check and/or rental payment(s). - Due Diligence Vendor-xxxxxx |  | Waived--Client response: see attached lease agreement for xxxxxx. There was a cashiers check purchased by the tenant. Cashiers checks can only be purchased in cash. The information on the lease match the remitter on a check and its paid to the order of our borrower. The date of the check match the lease agreement was made. The memo has first months rent and deposit.<br> -(AUDIT RESPONSE) - Agree, while the file is missing the verification of deposit, the finding is deemed non-material which the documentation provided. - Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 35% is below max allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 767 exceeds minimum 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778777 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-06 15:03 | 2022-10-17 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved--The mentioned leases all revert to Month-to-Month after expiration date - Due Diligence Vendor xxxxxx <br>Open--Missing lease extension or lease renewals for the following that do not state month-to-month after expiration: xxxxxx (xxxxxx) at $1,200/month expired xxxxxx, xxxxxx (xxxxxx) at $1,600/month expired xxxxxx xxxxxx (xxxxxx) at $2,500/month expired xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--The mentioned leases all revert to Month-to-Month after expiration date - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - - DTI 35% is below max allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 767 exceeds minimum 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778777 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-06 14:29 | 2022-10-09 18:29 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Open-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  |  | Qualifying DTI below maximum allowed - - DTI 35% is below max allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 767 exceeds minimum 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778777 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-06 14:24 | 2022-10-09 18:26 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Borrower 1 Credit Report is Partially Present. - Missing page 1 of the credit report dated 7/8/22. Considered non-material - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Credit Report is Partially Present. - Missing page 1 of the credit report dated xxxxxx. Considered non-material - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 35% is below max allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 767 exceeds minimum 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778777 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-28 13:10 | 2022-09-28 15:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - - DTI 35% is below max allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 767 exceeds minimum 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 15:51 | 2022-10-17 12:56 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Rec'd LOE - Borrower does not have relationship with Owner (LLC). Rec'd verification of Borrowers have no ownership interest in LLC. - Due Diligence Vendor-xxxxxx<br> Open-Appraisal indicates subject is Owner occupied. Appraiser also states this is an Arms Length transaction. however documentation in file reflects Borrower renting subject property for the past 2 years. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd LOE - Borrower does not have relationship with Owner (LLC). Rec'd verification of Borrowers have no ownership interest in LLC. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 15:43 | 2022-10-07 11:11 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--FEMA disaster declaration xxxxxx, declaration date xxxxxx . After the Note date xxxxxx. Missing post disaster inspection report. Public. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--FEMA disaster declaration xxxxxx, declaration date xxxxxx . After the Note date xxxxxx. Missing post disaster inspection report. Public. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 14:14 | 2022-10-17 12:55 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Rec'd LOE - Borrower does not have relationship with Owner (LLC). Rec'd verification of Borrowers have no ownership interest in LLC. - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue - Current title holder xxxxxx Provide Corporation documentation for the Seller , This must validate that the Seller has the authority to sell the subject property. xxxxxx and xxxxxx , the purchasers, cannot be part of the xxxxxx(Borrower is purchasing home they are currently renting - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd LOE - Borrower does not have relationship with Owner (LLC). Rec'd verification of Borrowers have no ownership interest in LLC. - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-07 11:03 | 2022-10-07 12:10 | Waived | 2 - Non-Material B | Credit | Assets | Gift Funds General | Waived-Borrower received gift funds. 2 of the letters were not signed by the Donors. xxxxxx and xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower received gift funds. 2 of the letters were not signed by the Donors. xxxxxx and xxxxxx. Wires were given to the Title company directly, therefore, considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 15:38 | 2022-10-07 11:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.26 month(s) are less than Guideline Required Reserves of 6 month(s) Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 5.26 month(s) are less than Guideline Required Reserves of 6 month(s) Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 14:56 | 2022-10-07 10:52 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 14:56 | 2022-10-07 10:52 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-07 10:51 | 2022-10-07 10:51 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Waived-Borrower 1 Gap Credit Report is Partially Present. Soft pull dated after closing, Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Partially Present. Soft pull dated after closing, Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 15:05 | 2022-10-07 10:48 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - VOE in file is dated xxxxxx. Post close VVOE dated xxxxxx. Per guide VVOE verified within 10 days prior to the note date xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - VOE in file is dated xxxxxx. Post close VVOE dated xxxxxx. Per guide VVOE verified within 10 days prior to the note date xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778779 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 14:31 | 2022-10-07 10:46 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Per CD disbursement date xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Per CD disbursement date xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.85% below maximum allowed 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778780 | xxxxxx B A | Closed | xxxxxx | 2022-10-04 08:19 | 2022-10-06 15:50 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - LTV of 70% is less than the guideline maximum of 80%.<br>Qualifying DTI below maximum allowed - DTI of 39% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778780 | xxxxxx B A | Closed | xxxxxx | 2022-10-04 08:59 | 2022-10-06 15:49 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified File contains only 1 month bank statement for xxxxxx account #xxxxxx, xxxxxx account #xxxxxx, xxxxxx account #xxxxxx and xxxxxx account #xxxxxx. Two months are required per guides. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified File contains only 1 month bank statement for xxxxxx account #xxxxxx , xxxxxx account #xxxxxx xxxxxx account #xxxxxx and xxxxxx account #xxxxxx Two months are required per guides. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | LTV is less than guideline maximum - LTV of 70% is less than the guideline maximum of 80%.<br>Qualifying DTI below maximum allowed - DTI of 39% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778780 | xxxxxx B A | Closed | xxxxxx | 2022-09-30 07:37 | 2022-09-30 11:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | LTV is less than guideline maximum - LTV of 70% is less than the guideline maximum of 80%.<br>Qualifying DTI below maximum allowed - DTI of 39% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778781 | xxxxxx C B A | Closed | xxxxxx | 2022-10-10 08:56 | 2022-10-18 17:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Open-Audited Reserves of 4.25 month(s) are less than Guideline Required Reserves of 6 month(s) - Insufficient assets to support 6 months reserves. - Finding is material as all funds provided for EMD and Funds to Close are gifts. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 2x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 39% below max allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 742 exceeds minimum required 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778781 | xxxxxx C B A | Closed | xxxxxx | 2022-10-10 08:30 | 2022-10-10 10:13 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 39% below max allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 742 exceeds minimum required 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778781 | xxxxxx C B A | Closed | xxxxxx | 2022-10-10 08:48 | 2022-10-10 10:13 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company and Seller are present. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 39% below max allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 742 exceeds minimum required 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778781 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 14:54 | 2022-10-17 15:03 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM HPML Acceptable - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the CA AB 260 higher-priced mortgage loan test. (xxxxxx)<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxxxxx.<br> While the xxxxxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM HPML Acceptable - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 39% below max allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 742 exceeds minimum required 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778781 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 14:54 | 2022-10-17 15:03 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Client provided PCCD xxxxxx with disbursement date of xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-Final CD:xxxxxx signed xxxxxx, disbursement date of xxxxxx is prior to signing date and notary date. - Statute of Limitations - One year - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided PCCD xxxxxx with disbursement date of xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 39% below max allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 742 exceeds minimum required 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778781 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 14:54 | 2022-10-17 15:03 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM HPML Acceptable - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM HPML Acceptable - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 39% below max allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 742 exceeds minimum required 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778784 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 15:48 | 2022-11-03 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved-The Business Purpose Affidavit Disclosure is Missing Documentation supports loan being an investment property, not for personal use. - Due Diligence Vendor-xxxxxx |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendo xxxxxx<br> Resolved-The Business Purpose Affidavit Disclosure is Missing Documentation supports loan being an investment property, not for personal use. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 774 exceeds 680 requirement.<br>LTV is less than guideline maximum - -60% LTV below max allowed of 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778784 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 17:08 | 2022-10-10 16:53 | Waived | 2 - Non-Material B | Credit | Assets | Asset 4 Less Than 2 Months Verified | Waived-Asset 4 Less Than 2 Months Verified - One month provided for xxxxxx, guide requires two months. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 4 Less Than 2 Months Verified - One month provided for xxxxxx, guide requires two months.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 774 exceeds 680 requirement.<br>LTV is less than guideline maximum - -60% LTV below max allowed of 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778784 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 16:58 | 2022-10-10 16:48 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower name, Seller(s), LO and company are present.<br> Investor waiver applied to non-material finding - Due Diligence Vendor- xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 774 exceeds 680 requirement.<br>LTV is less than guideline maximum - -60% LTV below max allowed of 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778784 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 16:13 | 2022-10-10 16:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 774 exceeds 680 requirement.<br>LTV is less than guideline maximum - -60% LTV below max allowed of 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778785 | xxxxxx C B A | Closed | xxxxxx | 2022-10-09 10:28 | 2022-10-10 17:37 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower, Seller(s) are present.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 41% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778785 | xxxxxx C B A | Closed | xxxxxx | 2022-10-09 10:00 | 2022-10-10 17:32 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to final CD disbursement date xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to final CD disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 41% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778785 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 13:25 | 2022-10-17 16:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Client provided LE xxxxxx and service provider list xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15,050.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing initial LE for fee comparison. Statue of limitations - Three years - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided LE xxxxxx and service provider list xxxxxx . - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 41% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778785 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 13:25 | 2022-10-17 16:26 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Client provided LE xxxxxx and service provider list xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open-Missing initial LE dated within 3 days of initial application date of xxxxxx. Statue of Limitations - One year - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided xxxxxx and service provider list xxxxxx . - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 41% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778785 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 13:25 | 2022-10-17 16:26 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Client provided LE xxxxxx and service provider list xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). Service provider list not provided within 3 days of Initial 1003 Dated xxxxxx.<br> Statute of Limitation - three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided LE xxxxxx and service provider list xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 41% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778785 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 13:25 | 2022-10-17 16:25 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx<br> Rescinded-Addressed in 3634 - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Missing initial LE for fee comparison. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 41% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778785 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 13:25 | 2022-10-17 16:25 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br> Rescinded-Addressed in xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Missing initial LE for fee comparison. Statute of limitations - Three years - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Addressed in xxxxxx - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 41% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778785 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 13:25 | 2022-10-17 16:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Client provided LE xxxxxx and service provider list xxxxxx. - Due Diligence Vendor-xxxxxx<br> Open-Missing initial LE for fee comparison. Statute of limitations - Three years - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided LE xxxxxx and service provider list xxxxxx . - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 41% below maximum allowed 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 800 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778787 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 16:28 | 2022-10-25 14:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Fraud Report Shows Uncleared Alerts - Missing LOE and proof of non-ownership in two properties as reflected on fraud report - CBR reflects mortgage paid xxxxxx that is tied to property borrower is living at rent-free per letter in file; additional LOE for this match is required. - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 74 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778787 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 16:25 | 2022-10-17 16:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received GAP credit report. - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Prior to closing, soft-pull credit report not provided. Material DTI 47.22% with max 49.99% - Due Diligence Vendor-xxxxxx |  | Resolved--Received GAP credit report. - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 74 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778787 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 16:51 | 2022-10-10 21:31 | Waived | 2 - Non-Material B | Credit | Assets | Asset 10 Less Than 2 Months Verified | Waived-Asset 10 Less Than 2 Months Verified - Only one month statement provided for xxxxxx account; guidelines require two months.<br> - Only one month statement provided savings #xxxxxx; guidelines require two months.<br> - Only one month statement provided for checking #xxxxxx; guidelines require two months.<br> - Only one month statement provided for Checking #xxxxxx; guidelines require two months.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 10 Less Than 2 Months Verified - Only one month statement provided for xxxxxx account; guidelines require two months.<br> - Only one month statement provided savings #xxxxxx; guidelines require two months.<br> - Only one month statement provided for checking #xxxxxx; guidelines require two months.<br> - Only one month statement provided for Checking #xxxxxx; guidelines require two months.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max.<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 74 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778787 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 16:28 | 2022-10-10 21:27 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower, Seller(s) are present.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 74 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778787 | xxxxxx D B A | Closed | xxxxxx | 2022-09-28 09:29 | 2022-09-28 13:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence vendor xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 74 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778788 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 10:12 | 2022-10-24 11:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-- CPA/Tax Preparer letter states "Self-Employed for more than 2 years"-Meet xxxxxx. - Due Diligence Vendo xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br> Counter--Client Response: review the tax preparer letter again. It specially states that the business has been active for more than 2 years with 100% ownership. <br> -(AUDIT RESPONSE): CPA letter verifies borrower has been self-employed for two years but does not verify that they have been the owner of the business for last two years, as required by guidelines. Finding to remain. - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Tax preparer letter dated xxxxxx did not indicate Business start date nor verified borrower's ownership of business for last two years. - Due Diligence Vendor-xxxxxx |  | Resolved-- CPA/Tax Preparer letter states "Self-Employed for more than 2 years"-Meet xxxxxx. - Due Diligence Vendo xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 5. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778788 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 10:15 | 2022-10-24 11:59 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-- CPA/Tax Preparer letter states "Self-Employed for more than 2 years"-Meets GL. - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendo xxxxxx<br> Counter--Client Response: review the tax preparer letter again. It specially states that the business has been active for more than 2 years with 100% ownership. <br> -(AUDIT RESPONSE): CPA letter verifies borrower has been self-employed for two years but does not verify that they have been the owner of the business for last two years, as required by guidelines. Finding to remain. - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - Tax preparer letter dated xxxxxx did not indicate Business start date nor verified borrower's ownership of business for last two years. - Due Diligence Vendor-xxxxxx |  | Resolved-- CPA/Tax Preparer letter states "Self-Employed for more than 2 years"-Meet xxxxxx. - Due Diligence Vendo xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 5. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778788 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 09:23 | 2022-10-17 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing.-Rec'd prior to closing credit refresh report in trailing docs. - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - Missing 10 day soft pull credit report. DTI is 48.41% - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing.-Rec'd prior to closing credit refresh report in trailing docs. - Due Diligence Vendor - xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 5. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778788 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 09:26 | 2022-10-10 15:22 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. - Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. - Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 5. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778788 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 09:26 | 2022-10-10 15:19 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower, Seller and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 5. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778788 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 15:07 | 2022-10-10 15:18 | Waived | 2 - Non-Material B | Credit | Assets | Asset 4 Less Than 2 Months Verified | Waived-Asset 4 Less Than 2 Months Verified - Missing 2 months statements for xxxxxx #xxxxxx. - Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 4 Less Than 2 Months Verified - Missing 2 months statements for xxxxxx #xxxxxx . - Finding is deemed non-material as account has prior months ending balance. --Investor waiver applied to non-material finding - Due Diligence Vendor- xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 5. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778788 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 09:54 | 2022-10-10 15:17 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Guideline require 2 months bank statements. File contain xxxxxx account one month Bank Statement.-Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Guideline require 2 months bank statements. File contain xxxxxx account one month Bank Statement.-Finding is deemed non-material as account has minimal funds and prior months ending balance. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 5. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778788 | xxxxxx D B A | Closed | xxxxxx | 2022-10-03 09:42 | 2022-10-03 11:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - DueDiligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 9 exceed minimum required 5. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-10 10:14 | 2022-10-17 15:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 32.92 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s)-Rec'd gift letters and proof of receipt of funds. - Due Diligence Vendor-xxxxxx <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) - Missing adequate assets. Cash to close $-86937.34 and 4 months reserves $-35730.12 - Due Diligence Vendor-xxxxxx |  | Resolved-Audited Reserves of 32.92 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s)-Rec'd gift letters and proof of receipt of funds. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-10 09:51 | 2022-10-17 15:09 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Rec'd gift letters and proof of receipt of funds at closing in trailing docs. - Due Diligence Vendo xxxxxx<br> Open-Total Qualified Assets Post-Close amount is '$-86937.34'. Assets are Insufficient. - Insufficient assets (cash to close). The final application lists a gift of $346,000 but there is no documentation of the gift located in the file. - Due Diligence Vendor-xxxxxx |  | Resolved-Total Qualified Assets Post-Close are greater than $0. - Rec'd gift letters and proof of receipt of funds at closing in trailing docs. - Due Diligence Vendor xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-10 09:51 | 2022-10-11 06:47 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #xxxxxx and xxxxxx accounts #xxxxxxand xxxxxx Two months are required per guides.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #xxxxxx and xxxxxx accounts #xxxxxx and xxxxxx . Two months are required per guides.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-10 09:36 | 2022-10-11 06:40 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower, Seller(s) are present.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-10 08:42 | 2022-10-11 06:29 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to final CD disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-07 09:55 | 2022-10-17 15:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 489/344 Covered Loan Points and Fees Threshold Test | Resolved-Client provided PCCD xxxxxx - Due Diligence Vendor-xxxxxx<br> Open-This loan failed the points and fees threshold test.<br> (CA AB 344 §1 [CA FC §4970(b)(1)(B)])<br> The total points and fees, as defined in the legislation, exceed 6% of the total loan amount, as defined in HOEPA (Section 32). - Due Diligence Vendor-xxxxxx |  | Resolved-Client provided PCCD xxxxxx - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-07 09:55 | 2022-10-17 15:24 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 489/344 Covered Loan DTI Presumption Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx<br> Rescinded- - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the DTI presumption test due to one or more of the following findings:<br> (CA AB 344 §2 [CA FC §4973(f)(1)])<br>The consumer's debt-to-income ratio exceeds 55%.<br> The debt-to-income ratio of the borrower was not provided. The DTI ratio should be provided when making any covered loan.<br>PLEASE NOTE: This result is not a determination that the person who originates covered loans reasonably believes at the time the loan is made that the consumer will be able to make the scheduled payments associated with the covered loan.<br>See Covered Loan Prohibited Practices Legislative Summary Alert (below) for full repayment ability requirements. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-07 09:43 | 2022-10-17 14:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Rec'd signed Initial ARM disclosure in trailing docs. - Due Diligence Vendor-xxxxxx Missing initial ARM disclosure within 3 days of application date of xxxxxx. Statute of Limitations - one year.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-ARM Disclosure is Present or Not Applicable - Rec'd signed Initial ARM disclosure in trailing docs. - Due Diligence Vendo xxxxxx<br>| Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-07 09:43 | 2022-10-17 14:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved-xxxxxx Booklet is Present or Not Applicable - Rec'd proof of delivery in trailing docs. - Due Diligence Vendor-xxxxxx <br> Open-xxxxxx Booklet is Missing Missing xxxxxxBooklet within 3 days of application date of xxxxxx. Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-CHARM Booklet is Present or Not Applicable - Rec'd proof of delivery in trailing docs. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778790 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-07 09:43 | 2022-10-07 10:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - DTI of 41% is less than the guideline maximum of 49.99%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 727 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778792 | xxxxxx D B A | Closed | xxxxxx | 2022-10-07 14:21 | 2022-10-19 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Received corrected verbal VOE and LOE regarding same name - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Verbal VOE dated xxxxxx is incomplete as all questions require answers. Additionally, verbal VOE notes no relationship with owner, but the owner who completed the written VOE is same person who provided the rent free letter. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Received corrected verbal VOE and LOE regarding same name - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 739 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778792 | xxxxxx D B A | Closed | xxxxxx | 2022-10-07 13:24 | 2022-10-17 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Rec'd pre-closing credit refresh in trailing docs. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Material as DTI is 49.32% with max 49.99%. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Rec'd pre-closing credit refresh in trailing docs. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 739 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778792 | xxxxxx D B A | Closed | xxxxxx | 2022-10-07 14:37 | 2022-10-17 14:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved--Rec'd PC CD indicating disbursement on xxxxxx; gift funds were provided at disbursement and are reflected on CD. - Due Diligence Vendo xxxxxx <br> Open-Asset Record 2 Does Not Meet G/L Requirements - Gift funds of $115,000 were received by title on xxxxxx and gift funds of $6,000 on xxxxxx, or after the xxxxxx disbursement date per the final CD in file. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd PC CD indicating disbursement on xxxxxx; gift funds were provided at disbursement and are reflected on CD. - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 739 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778792 | xxxxxx D B A | Closed | xxxxxx | 2022-10-07 15:19 | 2022-10-11 08:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.01 month(s) are less than Guideline Required Reserves of 6 month(s) - Audit excluded the following unsourced deposits to xxxxxx #xxxxxx which were also excluded by lender: $8,000 E deposit on xxxxxx and $4,500 mobile deposit on xxxxxx. Reserves short by 1 month considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 5.01 month(s) are less than Guideline Required Reserves of 6 month(s) - Audit excluded the following unsourced deposits to xxxxxx #xxxxxx which were also excluded by lender: $8,000 xxxxxx deposit on xxxxxx and $4,500 mobile deposit on xxxxxx Reserves short by 1 month considered non-material.<br> Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 739 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778792 | xxxxxx D B A | Closed | xxxxxx | 2022-10-07 14:37 | 2022-10-11 08:22 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's statement for xxxxxx #xxxxxx. Two months required and only the xxxxxx statement provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's statement for xxxxxx #xxxxxx. Two months required and only the xxxxxx statement provided.<br> Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 739 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778792 | xxxxxx D B A | Closed | xxxxxx | 2022-10-07 13:38 | 2022-10-11 08:19 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower and Seller(s) are present.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 739 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778792 | xxxxxx D B A | Closed | xxxxxx | 2022-10-05 12:32 | 2022-10-17 14:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Rec'd complete list in trailing docs. - Due Diligence Vendor-xxxxxx <br>Open--Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Homeowner Counseling Disclosure does not include list of providers in order to determine required 10 providers are included. Statute of Limitations - One year - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Rec'd complete list in trailing docs. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 739 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778792 | xxxxxx D B A | Closed | xxxxxx | 2022-10-05 12:32 | 2022-10-06 09:39 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 739 FICO exceeds 700 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-11 09:09 | 2022-12-20 16:55 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved- - Due Diligence Vendor-xxxxxx <br>Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Missing 12 month housing history for departing residence xxxxxx, allowable 1x30x12 - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor xxxxxx <br>Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-10 16:34 | 2022-10-21 14:09 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived--Received Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx<br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Considered material due to final CD disbursement date xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Received Investor waiver applied to non-material finding. Post close CD with disbursement date xxxxxx. - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-11 08:20 | 2022-10-21 10:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12 months housing history for xxxxxx. Allowable 1x30x12 - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-11 09:13 | 2022-10-11 15:54 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-Missing a copy of the subordinate mortgage statement and verification of the HOA status for the xxxxxx property. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Missing a copy of the subordinate mortgage statement and verification of the HOA status for the xxxxxx property. <br> Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-11 09:04 | 2022-10-11 15:48 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx savings and checking accounts xxxxxx and xxxxxx. Two months are required per guides.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx savings and checking accounts xxxxxx and xxxxxx Two months are required per guides.<br> Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-11 15:42 | 2022-10-11 15:44 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower and Seller(s) are present.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 11:57 | 2022-10-17 14:52 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx<br> Rescinded-Non-QM HPML Acceptable - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the CA AB 260 higher-priced mortgage loan test. (xxxxxx)<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxxxxx Financial Code.<br> While the xxxxxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Statute of Limitations - Three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM HPML Acceptable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 11:57 | 2022-10-17 14:52 | Resolved | 1 - Information A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Rescinded-Non-QM - Due Diligence Vendor-xxxxxx <br>Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.661%. The APR threshold to qualify for a safe harbor is 7.110%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx<br> Rescinded-Non-QM - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 11:57 | 2022-10-17 14:52 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-xxxxxx<br> Rescinded-Non-QM HPML Acceptable - Due Diligence Vendor-xxxxxx<br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation xxxxxx.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Statute of Limitations - Three years. - Due Diligence Vendor-xxxxxx |  | Resolved-Resolved - Due Diligence Vendor-xxxxxx<br> Rescinded-Non-QM HPML Acceptable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778797 | xxxxxx C B A | Closed | xxxxxx | 2022-10-05 11:35 | 2022-10-06 08:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 749 exceeds the program guideline minimum of 700.<br>Months Reserves exceed minimum required - Reserves of 10.71 exceed the guideline minimum of 7 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778798 | xxxxxx D B | Closed | xxxxxx | 2022-10-11 11:07 | 2022-10-11 14:50 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-Public assistance available for xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Public assistance available for xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Qualifying DTI below maximum allowed - 35.43% DTI less than 49.99% maximum.<br>Months Reserves exceed minimum required - 75.32 months reserves and 5 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778798 | xxxxxx D B | Closed | xxxxxx | 2022-10-11 09:43 | 2022-10-17 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved--Received updated and complete VVOE. - Due Diligence Vendor-xxxxxx<br>Open-Verbal VOE for xxxxxx dated xxxxxx is incomplete. - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated and complete VVOE. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 35.43% DTI less than 49.99% maximum.<br>Months Reserves exceed minimum required - 75.32 months reserves and 5 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778798 | xxxxxx D B | Closed | xxxxxx | 2022-10-11 09:47 | 2022-10-17 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved--Upon further review VOE in file acceptable. - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 WVOE Missing - Missing written VOE for xxxxxx from xxxxxx and LOX for use of a handwritten VOE for xxxxxx for qualifying since the verbal VOE was provided by xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review VOE in file acceptable. - Due Diligence Vendor xxxxxx <br>Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 35.43% DTI less than 49.99% maximum.<br>Months Reserves exceed minimum required - 75.32 months reserves and 5 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778798 | xxxxxx D B | Closed | xxxxxx | 2022-10-11 10:54 | 2022-10-17 14:48 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Upon further review VOE in file acceptable. - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendo xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Missing written VOE for xxxxxx from The Work Number and LOX for use of a handwritten VOE for qualifying since the verbal VOE was provided by The Work Number. - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review VOE in file acceptable. - Due Diligence Vendor-xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor xxxxxx | Qualifying DTI below maximum allowed - 35.43% DTI less than 49.99% maximum.<br>Months Reserves exceed minimum required - 75.32 months reserves and 5 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778798 | xxxxxx D B | Closed | xxxxxx | 2022-10-11 13:53 | 2022-10-17 14:47 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx <br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 35.43% DTI less than 49.99% maximum.<br>Months Reserves exceed minimum required - 75.32 months reserves and 5 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778798 | xxxxxx D B | Closed | xxxxxx | 2022-10-11 09:53 | 2022-10-17 14:46 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved- - Due Diligence Vendor-xxxxxx<br>Open-Borrower 1 Lease Agreements Provided - Lease for xxxxxx. is missing the ending date. - Due Diligence Vendor-xxxxxx |  | Resolved- - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 35.43% DTI less than 49.99% maximum.<br>Months Reserves exceed minimum required - 75.32 months reserves and 5 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778798 | xxxxxx D B | Closed | xxxxxx | 2022-10-11 10:46 | 2022-10-11 13:46 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx xxxxxx. Two months required and only the xxxxxx statement provided.<br> Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Missing additional month's bank statement for xxxxxx #xxxxxx /xxxxxx . Two months required and only the xxxxxx statement provided.<br> Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 35.43% DTI less than 49.99% maximum.<br>Months Reserves exceed minimum required - 75.32 months reserves and 5 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778798 | xxxxxx D B | Closed | xxxxxx | 2022-10-11 09:13 | 2022-10-11 13:37 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower and Seller(s) are present.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - 35.43% DTI less than 49.99% maximum.<br>Months Reserves exceed minimum required - 75.32 months reserves and 5 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778798 | xxxxxx D B | Closed | xxxxxx | 2022-10-03 11:47 | 2022-10-03 12:39 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - 35.43% DTI less than 49.99% maximum.<br>Months Reserves exceed minimum required - 75.32 months reserves and 5 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778802 | xxxxxx D B A | Closed | xxxxxx | 2022-10-11 08:42 | 2022-10-19 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Rec'd xxxxxx approval in trailing docs. - Due Diligence Vendor-xxxxxx<br> Open-Third Party Fraud Report Partially Provided - Missing manager approval from originator to allow xxxxxx Fraud report score >= 800. - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Rec'd Mgmt approval in trailing docs. - Due Diligence Vendor- xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 709 exceeds minimum required 660.<br>LTV is less than guideline maximum - - LTV of 44.56% below max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778802 | xxxxxx D B A | Closed | xxxxxx | 2022-10-11 08:24 | 2022-10-11 09:09 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower name, LO and company are present. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower name, LO and company are present.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 709 exceeds minimum required 660.<br>LTV is less than guideline maximum - - LTV of 44.56% below max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778802 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 07:57 | 2022-10-06 08:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 709 exceeds minimum required 660.<br>LTV is less than guideline maximum - - LTV of 44.56% below max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778806 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 15:06 | 2022-10-17 13:18 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Rec'd Condo Questionnaire; project meets guideline requirements. - Due Diligence Vendor-xxxxxx<br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Missing HOA questionnaire. Unable to determine eligibility. - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Rec'd Condo Questionnaire; project meets guideline requirements. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 39.21% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 754 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778806 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 15:30 | 2022-10-26 11:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx<br> Counter--Client Response: Cash from borrower $161,621.92 + required reserves of 6mo $18,190.38 = total $179,812.3. Verified asset is $181,317.03. which means, borrower has enough asset to cover closing funds and 6mo reserves. <br> -(AUDIT RESPONSE): $24,753.66 is required for reserves(PITIA is $4125.61); Finding to remain. - Due Diligence Vendor-xxxxxx<br> Open-Audited Reserves of 4.77 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 39.21% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 754 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778806 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 14:11 | 2022-10-17 13:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved--File include xxxxxx approval notice for current employer valid from xxxxxx to xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-Borrower Citizenship Documentation Is Missing - Missing EAD card required per guidelines. File include xxxxxx approval notice for current employer valid from xxxxxx to xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--File includes I-797A approval notice for current employer valid from xxxxxx to xxxxxx . - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 39.21% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 754 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778806 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 15:25 | 2022-10-10 20:43 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified Missing additional month's bank statement for xxxxxx #xxxxxx Two months required and only the xxxxxx statement provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified Missing additional month's bank statement for xxxxxx #xxxxxx . Two months required and only the xxxxxx statement provided.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 39.21% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 754 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778806 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 14:21 | 2022-10-10 20:42 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower and Seller are present. <br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 39.21% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 754 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778806 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 14:21 | 2022-10-10 20:41 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Considered non-material due to DTI is 39.21% with 49.99% allowable.<br> Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx<br>| LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 39.21% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 754 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778806 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 15:06 | 2022-10-10 20:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 39.21% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 754 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778806 | xxxxxx D B A | Closed | xxxxxx | 2022-09-27 19:55 | 2022-09-28 12:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due DiligenceVendor xxxxxx | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 39.21% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 754 FICO exceeds 660 minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778981 | xxxxxx B A | Closed | xxxxxx | 2022-10-17 08:30 | 2022-10-17 12:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 19.58% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 706 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779046 | xxxxxx D A B | Closed | xxxxxx | 2022-10-27 13:36 | 2022-11-01 13:59 | Resolved | 1 - Information B A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved--Received post-FEMA disaster inspection with no damage reported - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. see attached. - Seller-xxxxxx <br> Counter--Appraisal update dated xxxxxx does not comment as to condition of property and if damage occurred, xxxxxx; finding to remain. - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. 1004D completed xxxxxx- Please advise if Post Disaster inspection still requierd. - Seller-xxxxxx <br> Waived--FEMA disaster declared xxxxxx in xxxxxx. Note date xxxxxx, appraisal date xxxxxx. Public assistance.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. see attached. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. 1004D completed xxxxxx- Please advise if Post Disaster inspection still requierd. - Seller-xxxxxx | Resolved--Received post-FEMA disaster inspection with no damage reported - Due Diligence Vendor-xxxxxx<br> Waived--FEMA disaster declared xxxxxx in xxxxxx County. Note date xxxxxx, appraisal date xxxxxx. Public assistance.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 45% below max allowed of 50%.<br>LTV is less than guideline maximum - -70% LTV is less than max allowed of 75%. |  | APPRAISAL (3).pdf<br>APPRAISAL ACKNOWLEDGMENT(6).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779046 | xxxxxx D A B | Closed | xxxxxx | 2022-10-27 12:57 | 2022-10-31 16:46 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved--Loan approved as Tier xxxxxx credit grade, page xxxxxxof xxxxxx, which is for loans that do not meet the minimum tradeline requirement Guidelines xxxxxx - Due Diligence Vendor-xxxxxx <br> Ready for Review-Loan was approved as Tier xxxxxx due to limited tradelines. - Seller-xxxxxx <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. - Borrower has only one active open account with activity in the past 24 months, CRDT FIRST. Other open account, xxxxxx, is an authorized user account. - Due Diligence Vendor-xxxxxx | Ready for Review-Loan was approved as Tier xxxxxx due to limited tradelines. - Seller-xxxxxx | Resolved--Loan approved as Tier xxxxxx credit grade, page xxxxxx ofxxxxxx which is for loans that do not meet the minimum tradeline requirement Guidelines 5.4 - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 45% below max allowed of 50%.<br>LTV is less than guideline maximum - -70% LTV is less than max allowed of 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779046 | xxxxxx D A B | Closed | xxxxxx | 2022-10-27 12:35 | 2022-10-31 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br>Ready for Review-Document Uploaded. See updated 1003 - VOE used for Verification (only one able to provide) - Seller-xxxxxx<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing proof of self-employment for xxxxxx Business dated within 5 days of closing. <br> - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See updated 1003 - VOE used for Verification (only one able to provide) - Seller-xxxxxx | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 45% below max allowed of 50%.<br>LTV is less than guideline maximum - -70% LTV is less than max allowed of 75%. |  | VOE - VERBAL VERIFICATION OF EMPLOYMENT(1).pdf<br>AUDIT CONDITIONS(62).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779046 | xxxxxx D A B | Closed | xxxxxx | 2022-10-27 12:57 | 2022-10-28 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Rec'd gap/credit refresh in trailing docs. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Attached is the Gap Credit Report - Seller-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Material due to DTI of 46% - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Attached is the Gap Credit Report - Seller-xxxxxx | Resolved-Borrower 1 Gap Credit Report is not missing. - Rec'd gap/credit refresh in trailing docs. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 45% below max allowed of 50%.<br>LTV is less than guideline maximum - -70% LTV is less than max allowed of 75%. |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779176 | xxxxxx B A | Closed | xxxxxx | 2022-10-03 17:48 | 2022-10-04 08:47 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-_ FEMA disaster xxxxxx, Public Assistance (Category B). Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-_ FEMA disaster xxxxxx, Public Assistance (xxxxxx). Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 35.56% is 14.44% below maximum 50%<br>Months Reserves exceed minimum required - - Verified 39 months reserves are 30 months more than required 9 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 761 is 61 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779176 | xxxxxx B A | Closed | xxxxxx | 2022-10-03 16:38 | 2022-10-03 16:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 35.56% is 14.44% below maximum 50%<br>Months Reserves exceed minimum required - - Verified 39 months reserves are 30 months more than required 9 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 761 is 61 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779258 | xxxxxx C B A | Closed | xxxxxx | 2022-11-04 13:46 | 2022-11-07 13:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 83.33% exceeds Guideline LTV of 80% - Max 80% LTV with a xxxxxx property per guidelines. Exception to 83.33% approved by Investor. - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 83.33% exceeds Guideline LTV of 80% - Max 80% LTV with a xxxxxx) property per guidelines. Exception to 83.33% approved by Investor. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 13 months reserves exceed to 6 month guideline requirement<br>Qualifying DTI below maximum allowed - 44% DTI is less than guideline maximum of 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779258 | xxxxxx C B A | Closed | xxxxxx | 2022-11-04 15:12 | 2022-11-04 16:01 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines - 8 NSF/OD with 2 allowable in last 12 months. LOE in file. Exception requested and approved by Investor. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Income and Employment Do Not Meet Guidelines - 8 NSF/OD with 2 allowable in last 12 months. LOE in file. Exception requested and approved by Investor.<br> Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - 13 months reserves exceed to 6 month guideline requirement<br>Qualifying DTI below maximum allowed - 44% DTI is less than guideline maximum of 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779258 | xxxxxx C B A | Closed | xxxxxx | 2022-11-04 11:12 | 2022-11-04 15:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - rural property. Exception approved by Investor. xxxxxx property with no agricultural activity. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - rural property. Exception approved by Investor. xxxxxx property with no agricultural activity.<br> Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - 13 months reserves exceed to 6 month guideline requirement<br>Qualifying DTI below maximum allowed - 44% DTI is less than guideline maximum of 50%. | - DTI: 25.51% / 42.71%<br> - FICO: 739<br> - RESIDUAL: $11,836.48<br> - RESERVES: 13.25 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779258 | xxxxxx C B A | Closed | xxxxxx | 2022-11-04 11:12 | 2022-11-04 14:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - purchase contract extension specified a closing by xxxxxx. No further extension located in the file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - purchase contract extension specified a closing by xxxxxx. No further extension located in the file.<br> Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Months Reserves exceed minimum required - 13 months reserves exceed to 6 month guideline requirement<br>Qualifying DTI below maximum allowed - 44% DTI is less than guideline maximum of 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779494 | xxxxxx C B A | Closed | xxxxxx | 2022-12-22 16:09 | 2022-12-28 11:07 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Investor approved exception in file to allow for use of 12 months bank statements for income qualification with a non-permanent resident alien. - Due Diligence Vendor-xxxxxx |  | Waived-Income and Employment Do Not Meet Guidelines Investor approved exception in file to allow for use of 12 months bank statements for income qualification with a non-permanent resident alien. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 80 points higher than required 660<br>Qualifying DTI below maximum allowed - - DTI 14.55% is 35.45% lower than maximum 50% |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779494 | xxxxxx C B A | Closed | xxxxxx | 2022-12-22 16:09 | 2022-12-28 11:05 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Borrower 1 Total Years Employment Verified is Less Than 24 Months S/E income from a business in operation for less than 24 months (20 months). Investor exception approval in file. - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Total Years Employment Verified is Less Than 24 Months S/E income from a business in operation for less than 24 months (20 months). Investor exception approval in file. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 80 points higher than required 660<br>Qualifying DTI below maximum allowed - - DTI 14.55% is 35.45% lower than maximum 50% | -Residual income more than 2.5x the amount required by guidelines<br> - Credit Score 30+ points> Minimum required |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779494 | xxxxxx C B A | Closed | xxxxxx | 2022-12-22 16:39 | 2022-12-22 16:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.36 month(s) are less than Guideline Required Reserves of 6 month(s) Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 5.36 month(s) are less than Guideline Required Reserves of 6 month(s) - Non material due to DTI of 14.55% with less than 1 month short.<br> Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 80 points higher than required 660<br>Qualifying DTI below maximum allowed - - DTI 14.55% is 35.45% lower than maximum 50% |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779494 | xxxxxx C B A | Closed | xxxxxx | 2022-12-20 12:37 | 2022-12-21 10:18 | Waived | 2 - Non-Material B | Compliance | ComplianceEase | Seller Contribution Alert | Waived-Final CD issued xxxxxx has a seller credit for $500.00. Seller's CD does not indicate a Seller's credit. - Investor waiver applied to non-material findings - Due Diligence Vendor-xxxxxx |  | Waived-Final CD issued xxxxxx has a seller credit for $500.00. Seller's CD does not indicate a Seller's credit. - Investor waiver applied to non-material findings - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 80 points higher than required 660<br>Qualifying DTI below maximum allowed - - DTI 14.55% is 35.45% lower than maximum 50% |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779496 | xxxxxx C B A | Closed | xxxxxx | 2022-10-27 16:07 | 2022-11-01 17:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-xxxxxxReceived Schedule A dated xxxxxxwith $xxxxxxcoverage. - Due Diligence Vendor-xxxxxx<br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of xxxxxxTitle coverage amount not provided. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 54 points above guideline minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779496 | xxxxxx C B A | Closed | xxxxxx | 2022-10-27 16:30 | 2022-10-28 10:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Additional contract extension not provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Additional contract extension not provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 54 points above guideline minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779496 | xxxxxx C B A | Closed | xxxxxx | 2022-10-27 12:40 | 2022-10-27 14:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 54 points above guideline minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779499 | xxxxxx C A | Closed | xxxxxx | 2022-12-29 14:19 | 2023-01-06 09:32 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved--Chain of title provided dating back to xxxxxx. - Due Diligence Vendo xxxxxx<br> Open-Unsatisfactory Chain of Title provided - Title certificate did not provide 24 month chain of title. - Due Diligence Vendor-xxxxxx |  | Resolved--Chain of title provided dating back to xxxxxx . - Due Diligence Vendor xxxxxx | LTV is less than guideline maximum - 65% LTV is less than 75% maximum.<br>Months Reserves exceed minimum required - 20.43 months reserves and 9 required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779521 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-28 09:04 | 2023-01-03 11:02 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Correct appraisal provided reflecting occupancy and tenant occupied. - Due Diligence Vendor xxxxxx<br> Open--NEW - Subject property is investment however, appraisal reflects subject as Owner occupied. Appraisal to be corrected to reflect correct occupancy - Due Diligence Vendor-xxxxxx |  | Resolved--Correct appraisal provided reflecting occupancy and tenant occupied. - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 696 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 70% is less than guideline maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779521 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-23 10:56 | 2022-12-29 08:47 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received CDA which supports appraised value - Due Diligence Vendor-xxxxxx <br> Open--UCDP dated xxxxxx indicate risk score 2.6, exceed guideline requirement 2.5. File contain a VeroValue Valuation report , however a desk review is required - Due Diligence Vendor-xxxxxx |  | Resolved--Received CDA which supports appraised value - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 696 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 70% is less than guideline maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779521 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-23 10:48 | 2023-01-05 11:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived--Received corrected Investor approval, finding deemed non-material. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $xxxxxx-Guideline require minimum loan amount $xxxxxx. Exception for loan amount Waived--Received corrected Investor approval, finding deemed non-material. - Investor waiver applied to non-material Findings - Due Diligence Vendo xxxxxx<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 696 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 70% is less than guideline maximum 75%. ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx Investment Refinance Cash Out - Other Investor Post-Close No xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 779521 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-23 08:55 | 2023-01-03 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Not required unless DSCR. - Due Diligence Vendor-xxxxxx<br> Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendo xxxxxx<br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-xxxxxx |  | Resolved-Not required unless DSCR. - Due Diligence Vendor xxxxxx <br>Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 696 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 70% is less than guideline maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779521 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-23 11:36 | 2022-12-28 09:01 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved--Additional documentation, xxxxxx 21 tax return and Landlord Ins policy support rental occupancy - Due Diligence Vendor xxxxxx <br> Open-- Subject loan cash out refinance of an investment property. However, Appraisal reflect occupancy Owner, and no current active lease. Appraisal pictures reflect property occupied. 1003 reflect different primary residence address for the past 12 years. Insurance reflect same property and mailing address. - Due Diligence Vendor-xxxxxx |  | Resolved--Additional documentation, xxxxxx tax return and Landlord Ins policy support rental occupancy - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 696 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 70% is less than guideline maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779521 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-23 10:48 | 2022-12-28 08:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Received final CD for primary residence simultaneous cash out refinance paying off consumer debt. New primary PITI updated as well. - Due Diligence Vendor-xxxxxx <br> Resolved-Audited DTI of 48.54% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 76% exceeds Guideline DTI of 50% Audit income matches Lender. DTI issue is regarding the debts. - DTI = Subject loss $743+ Other REO loss $484 + PR PITIA $2018.81+ other debt $4554/ Income xxxxxx. DTI variance is due to various reasons as lender excluded PITIA for primary residence (xxxxxx).. In addition, there are multiple accounts listed on the original credit (xxxxxx, 3 other xxxxxx Rev, and xxxxxx, that do not appear on the gap credit report. There are also accounts listed on the xxxxxx credit report that do not appear on the original report. The monthly pmts between the gap credit report and the original have increased by over 1k monthly due to borrower continuing to utilize credit cards. CD reports 5 account that have been paid and close and have been excluded from the DTI. 1003 dated xxxxxx shows 6 accounts were to be paid. Provide explanation on discrepancies between the 2 credit reports as well as a detailed breakdown of the new payment and balances on all accounts that would result in a DTI within tolerance. - Due Diligence Vendor-xxxxxx |  | Resolved--Received final CD for primary residence simultaneous cash out refinance paying off consumer debt. New primary PITI updated as well. - Due Diligence Vendor-xxxxxx<br> Resolved-Audited DTI of 48.54% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 696 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 70% is less than guideline maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779521 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-23 10:06 | 2022-12-28 08:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-xxxxxx <br>Resolved--Received UDM with no new debt to add to DTI - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - GAP CR dated xxxxxx and Note date xxxxxx. Guideline require a gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Deemed material as borrower has extensive open credit and a high DTI. Expired Gap credit shows extensive increased monthly debt - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-xxxxxx<br> Resolved--Received UDM with no new debt to add to DTI - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 696 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 70% is less than guideline maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779578 | xxxxxx D B A | Closed | xxxxxx | 2022-12-20 09:29 | 2023-01-03 09:35 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Required forms/disclosures missing | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-xxxxxx <br> Counter--Solar Lease is confirmed to not be on title to property. Bank statements support payment to xxxxxx. Loan qualified with xxxxxx payment. With investor waiver would be deemed non-material for incomplete documentation on xxxxxx lease. - Due Diligence Vendor-xxxxxx <br> Open-Missing copy of the lease or power purchase agreement. Lease payment to be included in DTI. Appraisal identifies leased xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Subject property home ownership > 2 years<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 647 FICO exceeds 600 minimum required.<br>Qualifying DTI below maximum allowed - - Including Solar at $2,000 a month, DTI is 41% below 50% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 779578 | xxxxxx D B A | Closed | xxxxxx | 2022-12-20 09:27 | 2023-01-03 09:34 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--File contains business bank statement, however only in borrower name and not the name of the business. Bank statements due support pay going into borrower's personal account. Would be deemed non-material with investor waiver. - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Business Bank Statements Missing - Missing two months of business bank statement required by guidelines to show evidence of activity supporting business operations and reflecting transfers to personal account. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 41 which is below requirement in guidelines / Compensating Factor 3 - 0x30 for 24 months on subject mortgage<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 647 FICO exceeds 600 minimum required.<br>Qualifying DTI below maximum allowed - - Including Solar at $2,000 a month, DTI is 41% below 50% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 779578 | xxxxxx D B A | Closed | xxxxxx | 2022-12-20 08:59 | 2022-12-29 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required received worksheet - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Worksheet in file is not for subject borrower. - Due Diligence Vendor-xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required received worksheet - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 647 FICO exceeds 600 minimum required.<br>Qualifying DTI below maximum allowed - - Including Solar at $2,000 a month, DTI is 41% below 50% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 779578 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 16:41 | 2022-12-28 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Open-Missing Third Party Fraud Report - Fraud report missing for both borrowers. - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 647 FICO exceeds 600 minimum required.<br>Qualifying DTI below maximum allowed - - Including Solar at $2,000 a month, DTI is 41% below 50% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 779578 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 15:51 | 2022-12-28 11:26 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx<br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Preliminary title does not disclose correct coverage amount. - Due Diligence Vendor-xxxxxx |  | esolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 647 FICO exceeds 600 minimum required.<br>Qualifying DTI below maximum allowed - - Including Solar at $2,000 a month, DTI is 41% below 50% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 779578 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 15:59 | 2022-12-27 15:07 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved--Upon further review there does not appear to be an indication of a contract for deed. Borrower was deeded property xxxxxx and the subject transaction appears to be paying off prior mortgage with benefit of loan being put into borrowers name. - Due Diligence Vendo xxxxxx <br> Open-Guidelines do not allow cash out on payoff a contract for deed. Title shows vesting in borrowers' names with a title transfer in xxxxxx. However, title shows mortgage being paid in 3rd party's name. Same 3rd party also provided VOM for borrowers but no VOM provided for mortgage being paid (payoff in file shows due for xxxxxx). Statement of borrower's benefit provided in file notes that benefit is transferting the current loan into borrowers' name. - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review there does not appear to be an indication of a contract for deed. Borrower was deeded property xxxxxx and the subject transaction appears to be paying off prior mortgage with benefit of loan being put into borrowers name. - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 647 FICO exceeds 600 minimum required.<br>Qualifying DTI below maximum allowed - - Including Solar at $2,000 a month, DTI is 41% below 50% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 779578 | xxxxxx D B A | Closed | xxxxxx | 2022-12-16 12:24 | 2022-12-19 07:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendo xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 647 FICO exceeds 600 minimum required.<br>Qualifying DTI below maximum allowed - - Including Solar at $2,000 a month, DTI is 41% below 50% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 779619 | xxxxxx D B A | Closed | xxxxxx | 2022-10-14 15:48 | 2022-11-08 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Received updated fraud report - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br>Counter--Received updated fraud report however, Underwriter xxxxxx and xxxxxx are not included. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-Third Party Fraud Report Partially Provided - Real Estate Agents, Lender and Underwriting not included on the Fraud report - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated fraud report - Due Diligence Vendor-xxxxxx<br> Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 74% less than max allowed of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 796 exceeds required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779619 | xxxxxx D B A | Closed | xxxxxx | 2022-10-14 15:45 | 2022-10-24 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Rec'd Credit Inquiries LOE in trailing docs. - Due Diligence Vendor-xxxxxx <br> Open--Missing LOE for credit inquiries reporting xxxxxx xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd Credit Inquiries LOE in trailing docs. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 74% less than max allowed of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 796 exceeds required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779619 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 16:47 | 2022-10-24 11:01 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable- Rec'd VVOE within 10 days of closing in trailing docs. - Due Diligence Vendo xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Missing VVOE within 10 days of note date (xxxxxx) from xxxxxx market. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable- Rec'd VVOE within 10 days of closing in trailing docs. - Due Diligence Vendor xxxxxx | LTV is less than guideline maximum - - LTV 74% less than max allowed of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 796 exceeds required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779619 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 16:47 | 2022-10-24 11:01 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Missing VVOE within 10 days of note date (xxxxxx) from M&Y market. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Missing VVOE within 10 days of note date (xxxxxx) from xxxxxx market. - Due Diligence Vendor xxxxxx | LTV is less than guideline maximum - - LTV 74% less than max allowed of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 796 exceeds required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779619 | xxxxxx D B A | Closed | xxxxxx | 2022-10-14 15:33 | 2022-10-24 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided-Rec'd VVOE within 10 days of closing in trailing docs. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing VVOE within 10 days of note date (xxxxxx) from xxxxxx market. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided-Rec'd VVOE within 10 days of closing in trailing docs. - Due Diligence Vendo xxxxxx | LTV is less than guideline maximum - - LTV 74% less than max allowed of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 796 exceeds required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779619 | xxxxxx D B A | Closed | xxxxxx | 2022-10-14 16:05 | 2022-10-17 16:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Issue | Waived--Addendum showing final sales price of xxxxxx is missing the borrower's signature. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Addendum showing final sales price of xxxxxx is missing the borrower's signature.<br> Considered non-material due to executed final CD list xxxxxx as purchase price. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 74% less than max allowed of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 796 exceeds required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779619 | xxxxxx D B A | Closed | xxxxxx | 2022-10-14 16:08 | 2022-10-17 16:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.95 month(s) are less than Guideline Required Reserves of 6 month(s) - Reserves available $21,439.41. Reserves required $25,967.46. Residual income $5837.09 with DTI of 42%<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 4.95 month(s) are less than Guideline Required Reserves of 6 month(s) - Reserves available $21,439.41. Reserves required $25,967.46. Residual income $5837.09 with DTI of 42%<br> Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | LTV is less than guideline maximum - - LTV 74% less than max allowed of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 796 exceeds required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779619 | xxxxxx D B A | Closed | xxxxxx | 2022-10-14 15:10 | 2022-10-17 15:55 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to final CD disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to final CD disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 74% less than max allowed of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 796 exceeds required of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779622 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 13:35 | 2022-11-15 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor- xxxxxx <br> Counter--Rec'd copy of xxxxxx; Lender and Lender Contact still not included in report. Finding remains. - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. - Buyer- xxxxxx <br> Counter--Client response: Please find Updated xxxxxx.<br> -(AUDIT RESPONSE) No document provided - Due Diligence Vendor- xxxxxx<br> Counter--Received updated Fraud Report however, Lender Mortgage xxxxxx and xxxxxx are missing from report. Finding remains - Due Diligence Vendor-xxxxxx<br> Counter--Received UW Cert however, updated Fraud report was not included. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Third Party Fraud Report Partially Provided - Loan Officers and Real Estate Agents not included on the Fraud report - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 720 exceeds the guideline minimum of 700. <br>Qualifying DTI below maximum allowed - DTI of 44.87% is less than the guideline maximum of 49.99%. |  | Loan Safe.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779622 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 14:20 | 2022-11-01 17:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter-- xxxxxx account statement dated xxxxxx reflect balance $149,707.47 including $125,000 gift funds. Account balance 20700.06.,after cash to close $129,007.41. Condition remains as required reserves 6 months and verified audited Reserves of 4.26 month(s) - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 4.26 month(s) are less than Guideline Required Reserves of 6 month(s) - Please provide documentation of additional assets. 125k of the funds were from gifts, therefore, considered material - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Residual income more than 2x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 720 exceeds the guideline minimum of 700. <br>Qualifying DTI below maximum allowed - DTI of 44.87% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779622 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 14:05 | 2022-10-17 14:55 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #5205. Two months are required per guides. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #xxxxxx . Two months are required per guides. Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 720 exceeds the guideline minimum of 700. <br>Qualifying DTI below maximum allowed - DTI of 44.87% is less than the guideline maximum of 49.99%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779624 | xxxxxx D B A | Closed | xxxxxx | 2022-10-14 07:47 | 2022-11-08 09:50 | Resolved | 1 - Information A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--Received updated fraud report - Due Diligence Vendor-xxxxxx<br>Open-All Fraud Report Alerts have been cleared or None Exist - Missing verification of the private lender for the existing mortgages on the subject property. - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated fraud report - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI calculated to be 32.75% which is under the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 766 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779624 | xxxxxx D B A | Closed | xxxxxx | 2022-10-14 07:47 | 2022-11-08 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx<br> Counter--Client response: See attached for xxxxxx manager.<br> -(AUDIT RESPONSE) Document not attached/provided. Finding remains - Due Diligence Vendor-xxxxxx<br> Counter--Received updated fraud report however, Lender xxxxxx was not included. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Third Party Fraud Report Partially Provided - Lender, Real Estate Agents and underwriting not included on the Fraud report - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI calculated to be 32.75% which is under the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 766 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779624 | xxxxxx D B A | Closed | xxxxxx | 2022-10-14 07:56 | 2022-10-17 13:39 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #xxxxxx. Two months are required per guides. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account #1850. Two months are required per guides.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI calculated to be 32.75% which is under the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 766 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779624 | xxxxxx D B A | Closed | xxxxxx | 2022-10-12 11:55 | 2022-10-17 13:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Statute of Limitations - One year<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-The Home Loan Toolkit disclosure is missing. Statute of Limitations - One year<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI calculated to be 32.75% which is under the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 766 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779624 | xxxxxx D B A | Closed | xxxxxx | 2022-10-12 11:55 | 2022-10-12 11:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendo xxxxxx | Qualifying DTI below maximum allowed - DTI calculated to be 32.75% which is under the guideline maximum of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 766 exceeds the guideline minimum of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779812 | xxxxxx C B A | Closed | xxxxxx | 2022-10-27 11:21 | 2022-10-28 10:47 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--All supporting documentation in file at time of initial review including AKA statement showing xxxxxx and xxxxxx are the same person. - Due Diligence Vendor-xxxxxx <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. the broker advised both xxxxxx and his wife xxxxxx are deceased. Funds allocated to granddaughter \*our borrower xxxxxx - Seller-xxxxxx <br> Open-Asset Qualification Does Not Meet Guideline Requirements - xxxxxx account xxxxxx statement reflect deposit of $116,621.75 on xxxxxx. Cashier check dated xxxxxx to the order of xxxxxx and Remitter xxxxxx is in file. . This is not acceptable as the borrower is " xxxxxx." Files does have a "last will and testament" in reflecting that xxxxxx was the recipient of inheritance , however, he is not on the subject loan. If xxxxxx is xxxxxx, proof is required.<br> - Proof of large deposit documentation in file does not meet guideline, as require a signed, written explanation of the source of funds from the borrower and the source of funds to be verified. (gift etc) - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. the broker advised both xxxxxx and his wife xxxxxx are deceased. Funds allocated to granddaughter \*our borrower xxxxxx - Seller-xxxxxx | Resolved--All supporting documentation in file at time of initial review including AKA statement showing xxxxxx and xxxxxx are the same person. - Due Diligence Vendor- xxxxxx <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 20% below maximum allowed 50%.<br>LTV is less than guideline maximum - LTV 80% is less than guideline maximum 85%. |  | xxxxxx.pdf<br>Death Cert - xxxxxx.pdf<br>Death Cert - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779812 | xxxxxx C B A | Closed | xxxxxx | 2022-10-27 09:40 | 2022-10-27 12:50 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Per CD disbursement date xxxxxx, therefore, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Per CD disbursement date xxxxxx, therefore, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - Qualifying DTI 20% below maximum allowed 50%.<br>LTV is less than guideline maximum - LTV 80% is less than guideline maximum 85%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780117 | xxxxxx D B A | Closed | xxxxxx | 2022-11-11 10:50 | 2022-11-15 16:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Borrower has owned primary for 6 months with mortgage reported on credit report, prior primary (converted to investment) for 8 months with mortgage reported on credit report for a total of 14 months housing history, and prior primary for 16 years with no mortgage history on credit report. --Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx <br> Open- - Due Diligence Vendor-xxxxxx<br> Ready for Review-Pls. refer to credit report (found on page xxxxxx out of xxxxxx) and mortgage statement (found on page 528) for payment history on REO (primary purchased on xxxxxx) xxxxxx, xxxxxx. - Seller-xxxxxx <br> Counter--Received 1003. Missing 12 month mortgage history reflecting 0x30x12. File includes 0x30x7 history for primary purchased xxxxxx. Additional history is required. Finding remains - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - Missing 0x30x12 housing history. File includes 0x30x7 history for primary purchased xxxxxx. 1003 does not disclose any other residency history. Missing either VOM or VOR meeting guideline requirements for the remaining 5 months. - Due Diligence Vendor-xxxxxx | Ready for Review-Pls. refer to credit report (found on page xxxxxxout of xxxxxx and mortgage statement (found on page xxxxxx) for payment history on REO (primary purchased on xxxxxx) xxxxxx (IMPOUNDED), xxxxxx. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx | Waived--Borrower has owned primary for 6 months with mortgage reported on credit report, prior primary (converted to investment) for 8 months with mortgage reported on credit report for a total of 14 months housing history, and prior primary for 16 years with no mortgage history on credit report. Finding is deemed non-material due to FICO of 709 and subject loan DTI of 19.127%. --Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 709 is 49 points higher than required 660<br>Months Reserves exceed minimum required - 20.09 months reserves exceeds 6 months required.<br>Qualifying DTI below maximum allowed - 30.28% DTI is less than 50% maximum. |  | xxxxxx - FINAL 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780117 | xxxxxx D B A | Closed | xxxxxx | 2022-11-11 15:03 | 2022-11-15 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved--Received a corrected 1003 - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx<br> Open-- 1003 is incomplete missing 24 months housing history. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received a corrected 1003 - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 709 is 49 points higher than required 660<br>Months Reserves exceed minimum required - 20.09 months reserves exceeds 6 months required.<br>Qualifying DTI below maximum allowed - 30.28% DTI is less than 50% maximum. |  | xxxxxx - FINAL 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780117 | xxxxxx D B A | Closed | xxxxxx | 2022-11-11 11:51 | 2022-11-14 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Received supporting documentaion - Due Diligence Vendor-xxxxxx <br> Open- - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a xxxxxx) is only Partially Provided - Missing either evidence of insurance in the loan amount of xxxxxx or replacement cost estimator showing $xxxxxx coverage is sufficient. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Received supporting documentaion - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 709 is 49 points higher than required 660<br>Months Reserves exceed minimum required - 20.09 months reserves exceeds 6 months required.<br>Qualifying DTI below maximum allowed - 30.28% DTI is less than 50% maximum. |  | xxxxxx - RCE 600K.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780117 | xxxxxx D B A | Closed | xxxxxx | 2022-11-11 12:39 | 2022-11-14 12:25 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Documentation in file supports borrower is 100% owner of business - Due Diligence Vendor xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br> Ready for Review-Pls. refer to file upload for Cert of Amendment for the entity info. on page xxxxxx - xxxxxx which indicates the removal of xxxxxx as a managing member xxxxxx thus makes xxxxxx as the sole owner, 100% managing member. - Selle xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Missing CPA letter, tax preparer letter, operating agreement or equivalent reflecting the borrower's ownership percentage. Audit used 100% per borrower letter in file. If less than 100%, additional findings will apply. - Due Diligence Vendor-xxxxxx | Ready for Review-Pls. refer to file upload for Cert of Amendment for the entity info. on page xxxxxx - xxxxxxwhich indicates the removal of xxxxxx as a managing member from xxxxxx thus makes xxxxxx as the sole owner, 100% managing member. - Seller-xxxxxx | Resolved--Documentation in file supports borrower is 100% owner of business - Due Diligence Vendor xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 709 is 49 points higher than required 660<br>Months Reserves exceed minimum required - 20.09 months reserves exceeds 6 months required.<br>Qualifying DTI below maximum allowed - 30.28% DTI is less than 50% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780117 | xxxxxx D B A | Closed | xxxxxx | 2022-11-11 11:49 | 2022-11-11 14:30 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-xxxxxx<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Non marital due to CD Disbursement date of xxxxxx. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 709 is 49 points higher than required 660<br>Months Reserves exceed minimum required - 20.09 months reserves exceeds 6 months required.<br>Qualifying DTI below maximum allowed - 30.28% DTI is less than 50% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780122 | xxxxxx C A | Closed | xxxxxx | 2022-11-03 11:56 | 2022-11-17 11:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved--Received executed lease dated prior to Note date. LTV max updated to 75% - Due Diligence Vendor-xxxxxx <br> Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendo xxxxxx <br> Ready for Review-Document Uploaded. Prop leased prior to closing - Seller-xxxxxx <br> Counter--Rec'd Exception request/approval for 1 pt. FICO variation, however, the max LTV for an unleased property for all refinances is 70% for DSCR > 1.00; Finding remains. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Exception for 1 pt FICO variance. Please see attached from xxxxxx - Seller-xxxxxx<br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% - Appraisal reflect property vacant. Max LTV 70% for vacant refinance DSCR >= 1.00. (Borrower Mid FICO 699 has Max LTV of 70% for R/T Refinance DSCR >=1.00) - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Prop leased prior to closing - Seller-xxxxxx <br> Ready for Review-Document Uploaded. Exception for 1 pt FICO variance. Please see attached from xxxxxx - Seller-xxxxxx | Resolved--Received executed lease dated prior to Note date. LTV max updated to 75% - Due Diligence Vendor-xxxxxx <br>Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 699 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - verified additional 9 months reserves. |  | xxxxxx - xxxxxx - Exception.pdf<br>xxxxxx - xxxxxx - Lease.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 780122 | xxxxxx C A | Closed | xxxxxx | 2022-11-03 11:56 | 2022-11-17 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 11.99 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Rec'd additional assets to meet cash to close and reserve requirements. - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx<br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) - Provide documentation to support 2 months reserve requirement. Per guideline require a single account statement covering a one (1) month period and dated within 90-days of the loan note date. Short cash to close $31,019.47 and reserves $3,471.18. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Audited Reserves of 11.99 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Rec'd additional assets to meet cash to close and reserve requirements. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 699 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - verified additional 9 months reserves. |  | xxxxxx - xxxxxx - xxxxxx xxxxxx xxxxxx .pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 780122 | xxxxxx C A | Closed | xxxxxx | 2022-11-09 13:18 | 2022-11-17 11:48 | Resolved | 1 - Information A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 699 is greater than or equal to Guideline FICO of 660 - Exception approval does not apply for 75% LTV since max for vacant property is 70%. - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx <br>Waived--Rec'd Exception request and approval in trailing docs. Investor waiver applied to non-material finding. - Due Diligence Vendo xxxxxx<br> Open-Audited FICO of 699 is less than Guideline FICO of 700 - Min FICO is 700 for 75% LTV on unleased property (R/T Refi) and actual is 699. Exception request and approval received. Finding of 1-pt. is considered non-material. - Due Diligence Vendor-xxxxxx |  | Resolved-Audited FICO of 699 is greater than or equal to Guideline FICO of 660 - Exception approval does not apply for 75% LTV since max for vacant property is 70%. - Due Diligence Vendor-xxxxxx <br>Waived--Rec'd Exception request and approval in trailing docs. Investor waiver applied to non-material finding. - Due Diligence Vendo xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 699 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - verified additional 9 months reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 780122 | xxxxxx C A | Closed | xxxxxx | 2022-11-03 12:09 | 2022-11-09 13:29 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Rec'd additional assets to meet cash to close and reserve requirements. - Due Diligence Vendo xxxxxx<br> Ready for Review-Document Uploaded. - Seller-xxxxxx<br>Open-Asset Qualification Does Not Meet Guideline Requirements - Provide documentation to support funds to close. Per guideline require a single account statement covering a one (1) month period and dated within 90-days of the loan note date. Short cash to close $31,019.47 and reserves $3,471.18. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Asset Qualification Meets Guideline Requirements - Rec'd additional assets to meet cash to close and reserve requirements. - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 699 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - verified additional 9 months reserves. |  | xxxxxx - xxxxxx - xxxxxx xxxxxx xxxxxx .pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 780181 | xxxxxx D A | Closed | xxxxxx | 2022-12-02 06:26 | 2022-12-12 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved--Received documentation to support B2 is a xxxxxx Citizen - Due Diligence Vendor- xxxxxx <br>Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. See attached documents. - Seller-xxxxxx <br>Open-Borrower Citizenship Documentation Is Missing Co-Borrower, xxxxxx V. xxxxxx Citizenship Documentation Is Missing. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. See attached documents. - Seller-xxxxxx | Resolved--Received documentation to support B2 is a xxxxxx - Due Diligence Vendor-xxxxxx<br> Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 60% is less than guideline maximum 75%.<br>Months Reserves exceed minimum required - - Months Reserves 98 exceed minimum required 3. |  | AUDIT CONDITIONS(99).pdf<br>email from broker xxxxxx.pdf<br>UW Cert xxxxxx.pdf<br>BORROWER PHOTO ID(1).pdf<br>3Untitled-1.jpg<br>email from xxxxxx and broker.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780181 | xxxxxx D A | Closed | xxxxxx | 2022-12-02 14:27 | 2022-12-05 11:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. shows release at bottom of document - Seller-xxxxxx<br> Open-Fraud Report Shows Uncleared Alerts - Provide documentation to support current status of County tax lien, case number xxxxxx in the amount xxxxxx. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. shows release at bottom of document - Seller-xxxxxx | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 60% is less than guideline maximum 75%.<br>Months Reserves exceed minimum required - - Months Reserves 98 exceed minimum required 3. |  | COLLECTION JUDGEMENT PAYOFF.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780215 | xxxxxx D B A | Closed | xxxxxx | 2022-10-27 15:30 | 2022-11-03 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved--Received corrected 1003 - Due Diligence Vendor-xxxxxx <br>Open-The Final 1003 is Incomplete - Final 1003 reflects borrower as Permanent Resident Alien however, file contains Employment Authorization card for Borrower. Final 1003 need to be corrected to reflect Non-Permanent Resident Alien - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected 1003 - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 732 is at least 20 points above minimum for program 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 49%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780215 | xxxxxx D B A | Closed | xxxxxx | 2022-10-26 15:11 | 2022-10-27 15:40 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Missing 10 day GAP credit report - Due Diligence Vendor-xxxxxx |  | Waived--Finding is deemed non-material due to DTI of 41.14%, max allowable is 49% and a mid score is 732. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 732 is at least 20 points above minimum for program 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 49%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780215 | xxxxxx D B A | Closed | xxxxxx | 2022-10-26 15:30 | 2022-11-03 08:54 | Resolved | 1 - Information A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded- - Due Diligence Vendor-xxxxxx <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br>Open-The Final 1003 is Incomplete - Final 1003 reflects borrower as Permanent Resident Alien however, file contains Employment Authorization card for Borrower. Final 1003 need to be corrected to reflect Non-Permanent Resident Alien - Due Diligence Vendor-xxxxxx |  | Resolved- - Due Diligence Vendor-xxxxxx<br> Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 732 is at least 20 points above minimum for program 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 41% below maximum allowed 49%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780240 | xxxxxx B A | Closed | xxxxxx | 2022-10-27 14:18 | 2022-10-27 21:10 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Non material due to DTI of 34%<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 14% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 100+ months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 137 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780244 | xxxxxx B A | Closed | xxxxxx | 2022-10-26 15:08 | 2022-10-26 17:10 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing _ non material DTI 43.32%<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 692 FICO exceeds 660 minimum required.<br>Qualifying DTI below maximum allowed - 43.32% DTI is less than 49% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780292 | xxxxxx D B A | Closed | xxxxxx | 2022-10-27 17:11 | 2022-11-03 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Client response: The mortgagor was LLC not the borrower. Borrower held no obligation. Hence, rating is not required<br> -(AUDIT RESPONSE) Agree, supporting documentation in file - Due Diligence Vendo xxxxxx<br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements - Missing 12 month payment history for xxxxxx. Property report shows mortgage with Bench Equity originated xxxxxx and refinanced xxxxxx on CD with xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: The mortgagor was LLC not the borrower. Borrower held no obligation. Hence, rating is not required<br> -(AUDIT RESPONSE) Agree, supporting documentation in file - Due Diligence Vendo xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 722 exceeds required 640.<br>Months Reserves exceed minimum required - -73 months reserves exceeds 12 month required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 780292 | xxxxxx D B A | Closed | xxxxxx | 2022-10-27 17:11 | 2022-10-31 10:31 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor Waiver: Credit Report Refresh is not required on NQM Loan per guidelines, please waive - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Material due to missing 12 month payment history for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: Credit Report Refresh is not required on xxxxxx Loan per guidelines, please waive<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 722 exceeds required 640.<br>Months Reserves exceed minimum required - -73 months reserves exceeds 12 month required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 780310 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-26 17:52 | 2022-10-27 10:51 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-Public assistance available for xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Public assistance available for xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 20.13 months reserves when 12 months P&I required.<br>LTV is less than guideline maximum - 75% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780310 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-26 17:27 | 2022-11-03 09:26 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Rental lease agreement exist in the file. (pg. xxxxxx-xxxxxx). The property is converting to investment property on xxxxxx. And in this case we do not need to verify the Security deposit and 1st payment. Please refer to the xxxxxx guidelines - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Missing evidence of proof of receipt of damage deposit and first month's rent for departure residence xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Rental lease agreement exist in the file. (pg. xxxxxx - xxxxxx). The property is converting to investment property on xxxxxx. And in this case we do not need to verify the Security deposit and 1st payment. Please refer to the xxxxxx guidelines - Due Diligence Vendor-xxxxxx<br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 20.13 months reserves when 12 months P&I required.<br>LTV is less than guideline maximum - 75% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780310 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-27 10:46 | 2022-11-03 09:26 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Rental lease agreement exist in the file. (pg. xxxxxx-xxxxxx). The property is converting to investment property on xxxxxx. And in this case we do not need to verify the Security deposit and 1st payment. Please refer to the xxxxxx guidelines - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing evidence of proof of receipt of damage deposit and first month's rent for departure residence xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Rental lease agreement exist in the file. (pg. xxxxxx - xxxxxx). The property is converting to investment property on xxxxxx. And in this case we do not need to verify the Security deposit and 1st payment. Please refer to the xxxxxx guidelines - Due Diligence Vendor-xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 20.13 months reserves when 12 months P&I required.<br>LTV is less than guideline maximum - 75% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780310 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-27 10:46 | 2022-11-03 09:24 | Resolved | 1 - Information A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br> Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Missing evidence of proof of receipt of damage deposit and first month's rent for departure residence xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-xxxxxx<br>Rescinded-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Missing evidence of proof of receipt of damage deposit and first month's rent for departure residence xxxxxx. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 20.13 months reserves when 12 months P&I required.<br>LTV is less than guideline maximum - 75% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780310 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-26 17:26 | 2022-11-01 13:10 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver: Credit Report Refresh is not required on xxxxxx Loan, please waive - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver: Credit Report Refresh is not required on NQM Loan, please waive<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 20.13 months reserves when 12 months P&I required.<br>LTV is less than guideline maximum - 75% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780310 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-26 11:45 | 2022-11-03 10:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | NC Rate Spread Home Loan Test | Resolved-Upon further review, rate spread disclosure in file resolves. - Due Diligence Vendo xxxxxx <br>Open-- Would be deemed as resolved with investor acceptance - Due Diligence Vendo xxxxxx <br>Open-This loan failed the NC rate spread home loan test.<br> (NC xxxxxx §24-1.1F(a)(7))<br> The loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.<br>While the North Carolina Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. - Due Diligence Vendor-xxxxxx |  | Resolved-Upon further review, rate spread disclosure in file resolves. - Due Diligence Vendo xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 20.13 months reserves when 12 months P&I required.<br>LTV is less than guideline maximum - 75% LTV is less than 85% maximum allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780315 | xxxxxx D B A | Closed | xxxxxx | 2022-10-27 10:59 | 2022-10-31 10:41 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver: Credit Report Refresh is not required on xxxxxx Loan per guidelines, please waive - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver: Credit Report Refresh is not required on NQM Loan per guidelines, please waive<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Reserves of 60 months exceed the required 12 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Fico score of 680 exceeds the program requirement of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780315 | xxxxxx D B A | Closed | xxxxxx | 2022-10-27 09:43 | 2022-10-28 12:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - no contract extension located in the file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - no contract extension located in the file. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Reserves of 60 months exceed the required 12 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Fico score of 680 exceeds the program requirement of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780316 | xxxxxx C B A | Closed | xxxxxx | 2022-10-26 17:47 | 2023-02-01 17:03 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--BPO provided that supports value within 10%. - Due Diligence Vendor-xxxxxx <br>Open--File is missing required desk review; LCA score is 3.5 (CU Score 1.4 not used). - Due Diligence Vendor-xxxxxx |  | Resolved--BPO provided that supports value within 10%. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 51 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 18% below guideline max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780316 | xxxxxx C B A | Closed | xxxxxx | 2022-10-26 18:16 | 2022-10-27 12:14 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Gap credit refresh within 10 days of closing not provided. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Gap credit refresh within 10 days of closing not provided. finding is deemed non-material due to DTI of 30.10%. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 51 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 18% below guideline max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780316 | xxxxxx C B A | Closed | xxxxxx | 2022-10-26 17:52 | 2022-10-27 12:11 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 51 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 18% below guideline max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780317 | xxxxxx C B A | Closed | xxxxxx | 2022-10-28 11:59 | 2022-11-03 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | Cash reserves less than required by guidelines | Resolved--Borrower has sufficient funds for reserves - Due Diligence Vendor-xxxxxx <br>Open-FTHB requires 12 months of P & I reserves in the amount of 37,474.80. Borrower has 25,512 in reserves which is 8.17 months. - Due Diligence Vendor-xxxxxx |  | Resolved--Borrower has sufficient funds for reserves - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - -70% LTV less than 75% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780317 | xxxxxx C B A | Closed | xxxxxx | 2022-10-28 09:56 | 2022-10-28 12:07 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing , considered non material with compensating factors. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing DTI 43%, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - -70% LTV less than 75% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780334 | xxxxxx D A | Closed | xxxxxx | 2022-12-06 16:31 | 2022-12-27 11:04 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Partially Provided | Resolved--Appraisal confirms the few items not noted on Questionnaire. - Due Diligence Vendor-xxxxxx<br>Counter--Received Questionnaire however is a short form and does not show the total number of units in the project versus how many are being rented and also does not state whether or not the project is a condo conversion - Due Diligence Vendor-xxxxxx<br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. - Questionnaire provided is a short form and does not show the total number of units in the project versus how many are being rented and also does not state whether or not the project is a condo conversion. Also, condo questionnaire shows there is no commercial property within the project which differs from the appraisal that shows 1% of the project is used for commercial use. Section V question 1, boxes were not checked regarding elements located in a flood zone.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Appraisal confirms the few items not noted on Questionnaire. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 787 exceeds minimum required 620.<br>LTV is less than guideline maximum - - LTV 21.58% less than the 75% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780334 | xxxxxx D A | Closed | xxxxxx | 2022-12-06 17:37 | 2023-01-03 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx<br> Counter--Client response: uploaded the EDM being sourced to the borrower<br> -(AUDIT RESPONSE) No documentation provided to source large deposit of $25,000 on 09/06/22 into xxxxxx #xxxxxx - Due Diligence Vendor-xxxxxx <br> Counter--All documentation provided has already been reviewed in original credit file. Provide source of large deposit of $25,000 on xxxxxx into xxxxxx #xxxxxx Where did the $25,000 come from that was deposited into xxxxxx #xxxxxx on 09/06/22. Finding remains - Due Diligence Vendor-xxxxxx<br> Counter--Client response: Borrower has $xxxxxxk in Heloc's why do we need to source EMD? Please clear this condition.<br> -(AUDIT RESPONSE) - HELOC deposit is in the amount of $158,858.59 + $400,000 = $558,855.59. removing $25,000 EMD will result in short funds to close. Finding remains - Due Diligence Vendor-xxxxxx <br> Open--Source large deposit into xxxxxx #xxxxxx $25,000 on xxxxxx. This amount was used to fund the EMD and backing out these funds will result in short funds to close. - Due Diligence Vendor-xxxxxx |  | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 787 exceeds minimum required 620.<br>LTV is less than guideline maximum - - LTV 21.58% less than the 75% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780334 | xxxxxx D A | Closed | xxxxxx | 2022-12-06 16:42 | 2022-12-12 16:52 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved--Master policy is walls in coverage - Due Diligence Vendor-xxxxxx <br>Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Open-HO-6 Insurance Policy is Missing - Missing H06 coverage for the subject property if Master policy is not adequate walls in or has deductible.<br> - Both taxes and insurance be escrowed however HUD-1 only shows taxes being escrowed. If HO6 Condo policy required it must be escrowed. - Due Diligence Vendor-xxxxxx |  | Resolved--Master policy is walls in coverage - Due Diligence Vendor-xxxxxx <br>Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 787 exceeds minimum required 620.<br>LTV is less than guideline maximum - - LTV 21.58% less than the 75% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780334 | xxxxxx D A | Closed | xxxxxx | 2022-12-06 16:42 | 2022-12-12 16:51 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Open-Missing HO-6 Master Insurance Policy Missing acceptable Master Insurance Policy for xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 787 exceeds minimum required 620.<br>LTV is less than guideline maximum - - LTV 21.58% less than the 75% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780395 | xxxxxx C A | Closed | xxxxxx | 2022-10-26 10:51 | 2022-11-03 14:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received LOE - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Counter--Received updated CPA letter showing 50% ownership. MISSING LOE Received updated Income worksheet which now reflects an Expense Factor of 50% vs 75% utilized on initial Income worksheet. Provide LOE for using 75% and now reducing to 50% - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Counter--(1) Secretary of State documents do not specify % of ownership for each partner. CPA letter states borrower began as a 50% partner but does not state current % of ownership (2) Received updated Income worksheet which now reflects an Expense Factor of 50% vs 75% utilized on initial Income worksheet. Provide LOE for using 75% and now reducing to 50% (3) Received updated/corrected business narrative which is acceptable and cleared. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. See attached business narrative w/ all verbiage. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. The UW advised: Per the current secretary of state he is 50% owner. I used 50% with a 50% expense factor. Attached. For the business account I used 50% of available balance since he is 50% owner. Requesting addtl information from broker on business narrative to see if additional verbiage missing. - Seller-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - CPA letter verbiage confirm Borrower self employed since xxxxxx and identifies Borrower as a partner and does not state borrower business ownership %. Thus does not meet guideline requirement of minimum 50% business ownership. Also, Article of Organization dated xxxxxx list xxxxxx and xxxxxx as members of the LLC. <br> - Business narrative in file is incomplete and missing data on right side of the boxes. Provide complete Business narrative to meet guideline requirement of business narrative required outlining business cash-flows & expenses associated.<br> - Qualifying income $12070 based on 100% business ownership. If their is change in ownership % will cause additional conditions and DTI will exceed max allowed 50%.<br> - Qualifying Income based 12 month business account statement. Guideline require all parties listed on each bank account must be included as borrowers on the loan. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. See attached business narrative w/ all verbiage. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. The UW advised: Per the current secretary of state he is 50% owner. I used 50% with a 50% expense factor. Attached. For the business account I used 50% of available balance since he is 50% owner. Requesting addtl information from broker on business narrative to see if additional verbiage missing. - Seller-xxxxxx | Resolved--Received LOE - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 708 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.75% below maximum allowed 50%. |  | LOPrint (5).pdf<br>income worksheet calc.pdf<br>articles of Organization xxxxxx.pdf<br>business narrative w. all verbiage.pdf<br>additional verbiage from business narrative..pdf<br>business narrative xxxxxx.pdf<br>CPA lette xxxxxx.pdf<br>UW LOE xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780395 | xxxxxx C A | Closed | xxxxxx | 2022-10-26 11:39 | 2022-11-03 14:34 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received LOE - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx<br> Counter--Received updated CPA letter showing 50% ownership. MISSING LOE Received updated Income worksheet which now reflects an Expense Factor of 50% vs 75% utilized on initial Income worksheet. Provide LOE for using 75% and now reducing to 50% - Due Diligence Vendor-xxxxxx <br>Counter--(1) Secretary of State documents do not specify % of ownership for each partner. CPA letter states borrower began as a 50% partner but does not state current % of ownership (2) Received updated Income worksheet which now reflects an Expense Factor of 50% vs 75% utilized on initial Income worksheet. Provide LOE for using 75% and now reducing to 50% - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. The UW advised: Per the current secretary of state he is 50% owner. I used 50% with a 50% expense factor. Attached. For the business account I used 50% of available balance since he is 50% owner. Only 3 months reserves required for this program. - Seller-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - Missing documentation to support business ownership %. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. The UW advised: Per the current secretary of state he is 50% owner. I used 50% with a 50% expense factor. Attached. For the business account I used 50% of available balance since he is 50% owner. Only 3 months reserves required for this program. - Seller-xxxxxx | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received LOE - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 708 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.75% below maximum allowed 50%. |  | income worksheet calc.pdf<br>LOPrint (5).pdf<br>articles of Organization xxxxxx.pdf<br>UW LOE xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780395 | xxxxxx C A | Closed | xxxxxx | 2022-10-26 11:32 | 2022-11-02 13:02 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-100% access letter was provided - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Counter--Reserve requirement updated to 3 months(1) Secretary of State documents do not specify % of ownership for each partner. CPA letter states borrower began as a 50% partner but does not state current % of ownership (2) Missing access letter from partner to utilize business asset account xxxxxxx - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. The UW advised: Per the current secretary of state he is 50% owner. I used 50% with a 50% expense factor. Attached.<br>For the business account I used 50% of available balance since he is 50% owner. Only 3 months reserves required for this program. <br> - Seller-xxxxxx <br> Open-Asset Qualification Does Not Meet Guideline Requirements - CPA in file indicate Borrower partner in the business but does not list business ownership %. Audit used 100% balance for account with Wright-Patt Credit Union xx1233 for reserves. However, does not meet guideline as require borrowers on the loan must have 50% ownership of the business and must be the owners of the account. Access letters from the remaining owners of the business must be obtained as well.<br> - Audit utilized Spouse account balance for down payment and closing cost as per guideline. Business account with xxxxxx xxxxxxxsupport balance $25653.14. Insufficient to meet reserves requirement of $30,940.86. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. The UW advised: Per the current secretary of state he is 50% owner. I used 50% with a 50% expense factor. Attached.<br>For the business account I used 50% of available balance since he is 50% owner. Only 3 months reserves required for this program. <br> - Seller-xxxxxx | Resolved-100% access letter was provided - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 708 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.75% below maximum allowed 50%. |  | articles of Organization xxxxxx.pdf<br>income worksheet calc.pdf<br>LOPrint (5).pdf<br>LOE access xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780395 | xxxxxx C A | Closed | xxxxxx | 2022-10-26 12:25 | 2022-10-28 10:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Received email from Title company stating final title policy will reflect vesting as xxxxxx a married man as his sole and separate property. - Due Diligence Vendor-xxxxxx<br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Final title is not yet available-please see email from title company - Seller-xxxxxx <br>Open-Property Title Issue - Title reflect vesting to be in the name of xxxxxx and xxxxxx husband and wife, to xxxxxx However, warranty Deed in file reflect ownership just in the name of xxxxxx Mortgage executed by both xxxxxx and xxxxxx even though first page reflect vesting in the name of Borrower as a married man as his sole and separate property. Provide an updated title with correct vesting. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Final title is not yet available-please see email from title company - Seller-xxxxxx | Resolved--Received email from Title company stating final title policy will reflect vesting a xxxxxx, a married man as his sole and separate property. - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 708 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.75% below maximum allowed 50%. |  | xxxxxx title email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780395 | xxxxxx C A | Closed | xxxxxx | 2022-10-26 11:59 | 2022-10-28 09:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received legal documents to show Lien(s) paid and released - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Satisfaction of judgment attached - Seller-xxxxxx<br> Open-Fraud Report Shows Uncleared Alerts - Provide documentation to support State tax lien in the amount $190.00 and filing date xxxxxx has been paid off and satisfied. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Satisfaction of judgment attached - Seller-xxxxxx | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received legal documents to show Lien(s) paid and released - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 708 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.75% below maximum allowed 50%. |  | TX 50A6 12 DAY NOTICE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780443 | xxxxxx B A | Closed | xxxxxx | 2022-12-13 20:06 | 2022-12-14 11:18 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived--Missing verification that taxes and Insurance are escrowed in $8,115.00 xxxxxx payment for xxxxxx (Departure). Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Missing verification that taxes and Insurance are escrowed in $8,115.00 xxxxxx payment for xxxxxx(Departure). Deemed non-material due to DTI of 42.29% and departure is up for sale and appears to have a valid contract on it. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 42.29% is 7.71% lower than maximum 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 711 is 31 points higher than required 680<br>LTV is less than guideline maximum - - LTV 83.28% is 7.71% lower than maximum 90% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780489 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-08 16:23 | 2022-11-16 12:19 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Counter-A desk review has been ordered to support the value - Due Diligence Vendor-xxxxxx <br>Open-- Missing Desk Review. (LCA exceeds 2.5 at 4 risk score)<br> Collateral Desk Top Analysis (CDA) (from xxxxxx Appraisal Management or<br> an independent vendor) required; or<br> Appraisal Risk Review (ARR) (from xxxxxx<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Desk review was received which supports the value. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 730 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 79.79 months reserves exceeds 6 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780489 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-08 16:49 | 2022-12-02 11:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived--The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Received Originator approval for excess seller concessions. Missing Investor approval. - Due Diligence Vendor-xxxxxx <br> Open--$6,000 (4.9%) seller contribution exceeds $3,690 (3%) maximum allowed. - Due Diligence Vendor-xxxxxx |  | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Experienced investor owns and manages 5 or more properties for 12 months - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 730 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 79.79 months reserves exceeds 6 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780489 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-08 19:09 | 2022-11-30 13:45 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved--Client response: Seller: Escrows are not required to be held for DSCR loans, nor a waiver to be signed for these loans, per guidelines<br> -(AUDIT RESPONSE) Agreed, guidelines states NOO properties do not require escrows - Due Diligence Vendor-xxxxxx <br>Open--No evidence in file of Escrow Waiver or Initial Escrow Account Disclosure . Final HUD does not show collection for impounds/escrows. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: Seller: Escrows are not required to be held for DSCR loans, nor a waiver to be signed for these loans, per guidelines<br> -(AUDIT RESPONSE) Agreed, guidelines states NOO properties do not require escrows - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 730 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 79.79 months reserves exceeds 6 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780489 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-08 16:20 | 2022-11-30 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved--Received evidence of annual tax amount - Due Diligence Vendor-xxxxxx <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-xxxxxx <br>Open-Missing Evidence of Property Tax - Missing documentation disclosing annual tax amount. Monthly amount of $39.42 taken from 1008. - Due Diligence Vendor-xxxxxx |  | Resolved--Received evidence of annual tax amount - Due Diligence Vendor-xxxxxx <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 730 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 79.79 months reserves exceeds 6 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780489 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-08 15:58 | 2022-11-08 19:11 | Waived | 2 - Non-Material B | Credit | Missing Doc | Required forms/disclosures missing | Waived--Missing evidence of rent loss or loss of use coverage of 6 months PITIA. Policy notes fair market rental loss coverage is included but provides no coverage amount. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Missing evidence of rent loss or loss of use coverage of 6 months PITIA. Policy notes fair market rental loss coverage is included but provides no coverage amount.<br> - Non material due to additional 73 months reserves after required 6 months.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 730 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 79.79 months reserves exceeds 6 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780489 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-08 16:36 | 2022-11-08 18:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 730 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 79.79 months reserves exceeds 6 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780500 | xxxxxx D B A | Closed | xxxxxx | 2022-12-09 11:04 | 2022-12-21 17:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Client response: He owns an investment property: xxxxxx<br> -(AUDIT REPONSE) - xxxxxx is a xxxxxxproperty therefore does not meet guideline of residential property. Borrower is a FTHB and minimum FICO requirement is 680<br> - Due Diligence Vendor-xxxxxx <br> Open-Audited FICO of 667 is less than Guideline FICO of 680 - First time home buyer Min FICO 680. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Self-employed for > 5 years / Compensating Factor 3 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 25.45% is 19.55% lower than maximum 45%<br>Months Reserves exceed minimum required - - Verified 11 months reserves exceed required 6 by 5 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780500 | xxxxxx D B A | Closed | xxxxxx | 2022-12-09 09:01 | 2022-12-12 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-xxxxxx <br>Open-Title Document is missing - Missing Title Commitment and Chain of Title. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Document is fully Present - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 25.45% is 19.55% lower than maximum 45%<br>Months Reserves exceed minimum required - - Verified 11 months reserves exceed required 6 by 5 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780500 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 19:29 | 2022-12-08 19:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 25.45% is 19.55% lower than maximum 45%<br>Months Reserves exceed minimum required - - Verified 11 months reserves exceed required 6 by 5 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780500 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 15:58 | 2022-12-15 16:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx <br>Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 25.45% is 19.55% lower than maximum 45%<br>Months Reserves exceed minimum required - - Verified 11 months reserves exceed required 6 by 5 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780500 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 14:45 | 2022-12-12 12:36 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Cure on final CD - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $76.95.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The file contains a $76.95 lender credit that has not been applied. Evidence that this credit is to be applied to the zero percent tolerance can also be provided for the cure.<br> Statute of Limitations - Three years<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Cure on final CD - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 25.45% is 19.55% lower than maximum 45%<br>Months Reserves exceed minimum required - - Verified 11 months reserves exceed required 6 by 5 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780549 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 12:58 | 2023-01-31 11:46 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Resolved--Final note for xxxxxx provided which shows held in LLC, not our borrower. xxxxxx sales contract and unsigned note show property to be held in LLC as well. xxxxxx appraiser supports property being mixed use. - Due Diligence Vendor-xxxxxx <br> Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 10 points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines <br> - Finding remains material as xxxxxx has not been documented to determine final DTI along with with final terms of xxxxxx. <br> - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing income documentation (1) Sales Agreement list 3 property borrower is purchasing of which 2 are included in the file for review however, the 3rd property listed xxxxxx has no documentation, PITI(A) to be included in DTI, if applicable. (2) Note provided for xxxxxx #2 is a Draft. Provide fully executed Note to valid P&I payment. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Resolved--Final note for xxxxxx provided which shows held in LLC, not our borrower. xxxxxx sales contract and unsigned note show property to be held in LLC as well. xxxxxx appraiser supports property being mixed use. - Due Diligence Vendor-xxxxxx <br> Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 10 points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines <br> - Finding remains material as xxxxxx has not been documented to determine final DTI along with with final terms of xxxxxx. <br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.42 months reserves and 12 required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $11,778.21 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780549 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 12:37 | 2022-12-09 17:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received Undisclosed debt notifications report with a monitoring start date date 09/06/22 with an end date of 01/04/23 with no new debt disclosed - Due Diligence Vendor-xxxxxx<br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. Finding is deemed material due to calculated DTI of 48.63% - Due Diligence Vendor-xxxxxx |  | Resolved--Received Undisclosed debt notifications report with a monitoring start date datexxxxxx with an end date of xxxxxx with no new debt disclosed - Due Diligence Vendor-xxxxxx <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.42 months reserves and 12 required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $11,778.21 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780549 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 14:26 | 2022-12-09 17:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved--Final note for xxxxxx provided which shows held in LLC, not our borrower. xxxxxx sales contract and unsigned note show property to be held in LLC as well. xxxxxx appraiser supports property being mixed use. - Due Diligence Vendor-xxxxxx <br> Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 10 points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines - Finding remains material as xxxxxx has not been documented to determine final DTI along with with final terms of xxxxxx. - Due Diligence Vendor-xxxxxx <br> Open--Missing income documentation (1) Sales Agreement list 3 property borrower is purchasing of which 2 are included in the file for review however, the 3rd property listed xxxxxx has no documentation, PITI(A) to be included in DTI, if applicable. (2) Note provided for xxxxxx #2 is a Draft. Provide fully executed Note to valid P&I payment. - Due Diligence Vendor-xxxxxx |  | Resolved--Final note for xxxxxx provided which shows held in LLC, not our borrower. xxxxxx sales contract and unsigned note show property to be held in LLC as well. xxxxxx Property appraiser supports property being mixed use. - Due Diligence Vendor-xxxxxx <br> Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 10 points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines - Finding remains material as xxxxxx has not been documented to determine final DTI along with with final terms of xxxxxx. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.42 months reserves and 12 required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $11,778.21 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780549 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 10:49 | 2022-12-06 13:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.42 months reserves and 12 required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $11,778.21 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780549 | xxxxxx D B A | Closed | xxxxxx | 2022-12-02 15:46 | 2022-12-05 06:51 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-No SOL, non-material (2) Finding and is waived. - Due Diligence Vendor-xxxxxx |  | Waived-No SOL, non-material (2) Finding and is waived. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -16.42 months reserves and 12 required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $11,778.21 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780550 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-14 09:11 | 2022-11-17 13:35 | Resolved | 1 - Information C A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved--Disaster inspection provided showing no damage. - Due Diligence Vendor-xxxxxx <br>Open--FEMA disaster declared xxxxxx in xxxxxx. Note date xxxxxx, appraisal date xxxxxx. Post Disaster Inspection required. - Due Diligence Vendor-xxxxxx |  | Resolved--Disaster inspection provided showing no damage. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 78% less than max allowed 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 707 exceeds required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780550 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-11 18:11 | 2022-11-15 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Material DTI at 45% with max DTI 45%. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 78% less than max allowed 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 707 exceeds required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780550 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-11 17:33 | 2022-11-14 09:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 78% less than max allowed 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 707 exceeds required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780558 | xxxxxx D B A | Closed | xxxxxx | 2022-12-04 16:29 | 2022-12-05 14:52 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived--Waiver applied to non-material finding - xxxxxx; Incident Period: xxxxxx and continuing; Emergency Declaration declared on xxxxxx; Public assistance for subject county. - Due Diligence Vendor-xxxxxx |  | Waived--Waiver applied to non-material finding - xxxxxx; Incident Period: xxxxxx and continuing; Emergency Declaration declared on xxxxxx; Public assistance for subject county. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified additional 28 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 41 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780558 | xxxxxx D B A | Closed | xxxxxx | 2022-12-04 16:23 | 2022-12-19 11:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Borrower is a FTHB purchasing Investment property and FTHB allowed on Primary transactions only - Due Diligence Vendor-xxxxxx |  | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified additional 28 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 41 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780558 | xxxxxx D B A | Closed | xxxxxx | 2022-12-04 15:51 | 2022-12-14 11:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received bank statements - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Missing bank statements for business account #xxxxxx for xxxxxx and xxxxxx - xxxxxx account stmt in file is for account closed on xxxxxx - missing rest of month and xxxxxx required to meet 90 days of Note date requirement. - Due Diligence Vendor-xxxxxx |  | Resolved--Received bank statements - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 28 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 41 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780558 | xxxxxx D B A | Closed | xxxxxx | 2022-12-04 15:51 | 2022-12-14 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Lender Bank Stmt Income Worksheet not provided. - Due Diligence Vendor-xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 28 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 41 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780558 | xxxxxx D B A | Closed | xxxxxx | 2022-12-04 16:03 | 2022-12-14 11:26 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved--Received LOX from borrower stating opened xxxxxx account (xxxxxx) is a business account. Most recent CBR refresh in file is dated xxxxxx and this account is not present. - Due Diligence Vendor-xxxxxx <br> Open--Consumer LOX indicates new loan with xxxxxx and current balance/payment info was not provided. - Due Diligence Vendor-xxxxxx |  | Resolved--Received LOX from borrower stating opened xxxxxx account (xxxxxx) is a business account. Most recent CBR refresh in file is dated xxxxxx and this account is not present. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 28 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 41 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780558 | xxxxxx D B A | Closed | xxxxxx | 2022-12-04 16:07 | 2022-12-07 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved--Received updated fraud report with sellers included - Due Diligence Vendor-xxxxxx <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-xxxxxx <br>Open-All Interested Parties Not Checked with Exclusionary Lists - Sellers were not included in excluded party search. - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated fraud report with sellers included - Due Diligence Vendor-xxxxxx <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 28 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 41 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780558 | xxxxxx D B A | Closed | xxxxxx | 2022-12-04 16:25 | 2022-12-05 14:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $150000 - Loan amount below minimum allowed of $xxxxxx; Lender exception request/approval in file with acceptance from investor. - Due Diligence Vendor-xxxxxx |  | Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $xxxxxx - Loan amount below minimum allowed of $xxxxxx ; Lender exception request/approval in file with acceptance from investor. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 28 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 41 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max. | -LTV/CLTV 5% or more below max allowed (verified 10% below max)<br> - Residual Income more than 2.5x the amount required by guidelines |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780559 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 11:02 | 2022-12-15 08:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 5.95 month(s) are less than Guideline Required Reserves of 9 month(s) - For Loan Amount >xxxxxx reserves required 9 months. Verified 5.95 months including balance for xxxxxx open accounts. Provide a single account statement covering a one (1) month period and dated within 90-days of the loan note date. - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Current primary home ownership > 2 years - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 43% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 723 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780559 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 10:44 | 2022-12-13 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Client response: We only require the most recent single/one month of bank statement for assets, Per xxxxxx guides, Sectionxxxxxx The business asset documentation I am using for #xxxxxxis xxxxxx through xxxxxx.<br> -(AUDIT RESPONSE) - Upon further review, funds are seasoned and acceptable - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Please see xxxxxx:Business accounts may be considered for assets. The amount of business assets that may be utilized is limited to the borrowers ownership percentage in the business. GL do not reference requirement for large deposits to be sourced. <br> -(AUDIT RESPONSE) - Per xxxxxx the only program that does not require the sourcing of large deposits is DSCR. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-- Provide supporting documentation for large deposit $107187.50, to xxxxxx account xxxxxx on xxxxxx. Account balance being used for funds to close and reserves. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: We only require the most recent single/one month of bank statement for assets, Per xxxxxx guides, Section 5.2.1. The business asset documentation I am using for xxxxxx is xxxxxx through xxxxxx. <br> -(AUDIT RESPONSE) - Upon further review, funds are seasoned and acceptable - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI 43% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 723 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780559 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 10:02 | 2022-12-08 11:53 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Investor waiver applied to non-material finding - Deemed non-material with 43% DTI - Provide a GAP credit report no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Investor waiver applied to non-material finding - Deemed non-material with 43% DTI - Provide a GAP credit report no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 43% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 723 is at least 20 points above minimum for program 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780584 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 13:44 | 2022-12-12 12:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved--Received Seller CD - Due Diligence Vendor-xxxxxx <br>Open-Missing Seller's CD. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved--Received Seller CD - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 24 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 8% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780584 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 13:38 | 2022-12-06 20:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 24 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 8% below max allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780620 | xxxxxx C B A | Closed | xxxxxx | 2022-12-11 07:13 | 2022-12-19 08:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence Primary xxxxxx is current and due for xxxxxx payment and no more than 1x30x12. Docs in file show due for October, therefore, considered material - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 2x the amount required by guidelines<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Max allowable DTI is 50%, borrower DTI is 21.44%<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum required FICO is 660, borrower's mid FICO is 705 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780620 | xxxxxx C B A | Closed | xxxxxx | 2022-12-11 07:20 | 2022-12-12 12:50 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived- Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open--Missing homeowner's insurance premium for primary residence. First lien mortgage statement with xxxxxx #xxxxxx reflects a P&I payment of $xxxxxx however, credit report reflects a payment of $xxxxxx. The higher payment was used DTI calculation. - Due Diligence Vendor-xxxxxx |  | Waived-DTI 21%, therefore, considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Max allowable DTI is 50%, borrower DTI is 21.44%<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum required FICO is 660, borrower's mid FICO is 705 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780620 | xxxxxx C B A | Closed | xxxxxx | 2022-12-10 14:59 | 2022-12-10 16:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material findings - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material findings - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Max allowable DTI is 50%, borrower DTI is 21.44%<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum required FICO is 660, borrower's mid FICO is 705 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780680 | xxxxxx C B A | Closed | xxxxxx | 2022-12-09 13:46 | 2023-01-06 09:30 | Waived | 2 - Non-Material C B | Credit | Missing Doc | Appraisal is stale dated without recertification in file | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open--Recert of value from appraiser provided, however it's dated xxxxxx, after closing. - Due Diligence Vendor-xxxxxx <br>Open--Appraisal effective date xxxxxx. 121 days to the Note date. Does not meet guideline requirement for Recertification of value if the report would exceed 120 days of the Note Date. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 2 exceed minimum required 23. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 780680 | xxxxxx C B A | Closed | xxxxxx | 2022-12-09 12:40 | 2022-12-20 12:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Mortgage statement in file from xxxxxx dated xxxxxx reflect monthly payment $2500 and account Balance $282,000 and 6 months loan. However, email from xxxxxx reflect last paid $3045.72 on xxxxxx and payoff reflect balance $291,023.59. Provide documentation or VOM to support guideline requirement of 1X30 in the past 12 months with both lenders. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - ST - Credit Score higher than minimum requirement under applicable guidelines / Compensating Factor 3 - ST - DSCR exceeds minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 2 exceed minimum required 23. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 780680 | xxxxxx C B A | Closed | xxxxxx | 2022-12-09 14:02 | 2022-12-16 06:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Subject transaction rate and term refinance. Loan does not meet guideline requirement for rate and term refinance and considered a cash out refinance as seasoned for less than 12 months. Subject property purchased on xxxxxx, loan amount xxxxxx and new loan amount per Note xxxxxx. Home listed /offered for sale on xxxxxx per Appraisal. - Due Diligence Vendor-xxxxxx |  | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - ST - Credit Score higher than minimum requirement under applicable guidelines / Compensating Factor 3 - ST - DSCR exceeds minimum requirement under applicable guidelines - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 2 exceed minimum required 23. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 780680 | xxxxxx C B A | Closed | xxxxxx | 2022-12-09 13:32 | 2022-12-16 06:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% - For DSCR <1, Guideline max LTV 70% reduced by 5% for vacant property= 65% LTV. - Due Diligence Vendor-xxxxxx |  | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - ST - Credit Score higher than minimum requirement under applicable guidelines / Compensating Factor 3 - ST - DSCR exceeds minimum requirement under applicable guidelines - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 2 exceed minimum required 23. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 780717 | xxxxxx D A | Closed | xxxxxx | 2022-12-07 17:29 | 2022-12-12 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received UDM report - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Credit Refresh report within 10 days of closing not provided. - Due Diligence Vendor-xxxxxx |  | Resolved--Received UDM report - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 24 points above minimum required.<br>Months Reserves exceed minimum required - - Verified 24 months reserves; only 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780814 | xxxxxx B A | Closed | xxxxxx | 2022-11-15 12:33 | 2022-11-15 12:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67.33% is 12.67% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 727 is 67 points higher than required 660 |  |  | Non-QM: APOR | Non-QM: APOR | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780814 | xxxxxx B A | Closed | xxxxxx | 2022-11-15 10:00 | 2022-11-15 11:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 67.33% is 12.67% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 727 is 67 points higher than required 660 |  |  | Non-QM: APOR | Non-QM: APOR | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780828 | xxxxxx D A C | Closed | xxxxxx | 2022-12-05 10:20 | 2022-12-19 14:25 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value - Due Diligence Vendor-xxxxxx <br>Counter--Desk review has been ordered to support value - Due Diligence Vendor-xxxxxx <br>Counter--Received property report. Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Minimum FICO is 660, borrower mid FICO is 720 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780828 | xxxxxx D A C | Closed | xxxxxx | 2022-12-04 13:17 | 2022-12-29 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received prior VOR with acceptable history - Due Diligence Vendor-xxxxxx <br> Counter--Client response: VOR attached.<br> -(AUDIT REPOSNE) -(1) VOR provided reflects property address as xxxxxx This is the subject property the borrower purchased. How is he renting for 2 years from 05/2020 to 01/02/22? (2) Resident ledger provided shows address of xxxxxx which shows 17 rent payments however this address is not on borrower's 1003. Documentation provided does not match documentation in file. Further explanation is needed or corrected documents need to be provided. Finding remains - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Please see credit supp that shows the paid off mortgage from xxxxxx is the same address as the current one, ties them together, shows over 12 months history of paid on time.<br> -(AUDIT RESPONSE) - Current lender for primary residence is xxxxxx with 7 month reporting, prior lender xxxxxx with 3 months reporting = 10 months. Missing VOR for prior residence xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12 months housing history reflecting no more than 1x30x12. Current housing mortgage statement in file shows current and due for xxxxxx with 8 payments, primary purchased xxxxxx. Missing prior residence VOR - Due Diligence Vendor-xxxxxx |  | Resolved--Received prior VOR with acceptable history - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Minimum FICO is 660, borrower mid FICO is 720 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780828 | xxxxxx D A C | Closed | xxxxxx | 2022-12-04 13:05 | 2022-12-09 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence Vendor-xxxxxx <br>Open-Flood Certificate is Partially Provided - Flood cert is only partially legible - Due Diligence Vendor-xxxxxx |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Minimum FICO is 660, borrower mid FICO is 720 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780829 | xxxxxx D B C A | Closed | xxxxxx | 2023-01-27 13:31 | 2023-01-27 13:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-- Both Appraisal and completion report reflect work in master bathroom is not complete as cosmetic finishes remain to be completed. Cost to cure $2500 as non functional bathroom. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-- Both Appraisal and completion report reflect work in xxxxxx Cost to cure $2500 as non functional bathroom. Subject has 3 other bathrooms that are fully functional, therefore, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | On time mortgage history exceeds guideline requirement - - Credit report reflect 31 months of mortgage history with no late payments.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 681 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 780829 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-28 11:30 | 2022-11-29 08:15 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received property report which shows borrower no longer owns property - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - - Fraud report reflect active MIN with a registration date 11/9/2021, for property address: xxxxxx. Provide PITIA for the property. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received property report which shows borrower no longer owns property - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| On time mortgage history exceeds guideline requirement - - Credit report reflect 31 months of mortgage history with no late payments.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 681 is at least 20 points above minimum for program 660. |  | xxxxxx df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 780829 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-28 11:21 | 2022-11-29 08:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received property report which shows borrower no longer owns property - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Our borrower no longer owns property-see attached. - Seller-xxxxxx <br> Open--Fraud report reflect active MIN with a registration date xxxxxx, for property address: xxxxxx. Provide PITIA for the property. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Our borrower no longer owns property-see attached. - Seller-xxxxxx | Resolved--Received property report which shows borrower no longer owns property - Due Diligence Vendor-xxxxxx | On time mortgage history exceeds guideline requirement - - Credit report reflect 31 months of mortgage history with no late payments.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 681 is at least 20 points above minimum for program 660. |  | xxxxxx df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 780829 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-28 10:50 | 2022-11-28 12:41 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines - Guideline require the most recent statement must be dated within 60 days of closing. xxxxxx account statement dated xxxxxx is 61 days from the Note date xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived-Income and Employment Do Not Meet Guidelines - Guideline require the most recent statement must be dated within 60 days of closing. xxxxxx account statement dated xxxxxx is 61 days from the Note date xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx | On time mortgage history exceeds guideline requirement - - Credit report reflect 31 months of mortgage history with no late payments.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 681 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 780829 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-23 04:25 | 2022-12-14 09:59 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS is Not Valid | Resolved--Received corrected document(s) - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open--Note and Deed of Trust are both missing individual loan originator's (Loan Officer) name and NMLS ID information. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received corrected document(s) - Due Diligence Vendor-xxxxxx | On time mortgage history exceeds guideline requirement - - Credit report reflect 31 months of mortgage history with no late payments.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 681 is at least 20 points above minimum for program 660. |  | corrected docs xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 780834 | xxxxxx D B A | Closed | xxxxxx | 2022-12-22 12:50 | 2023-01-04 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br> Counter--Seller provided bank statements showing xxxxxx payments in question were paid in November. GAP report not provided, finding remains for missing GAP report. - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Gap Credit Report is Missing - Missing evidence xxxxxx mortgages #xxxxxx, #xxxxxx and #xxxxxx are due for xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received UDM - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 41.44% is 8.56% lower than maximum 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 683 is 23 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780834 | xxxxxx D B A | Closed | xxxxxx | 2022-12-22 12:50 | 2023-01-04 11:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Resolved--Seller provided bank statements showing xxxxxx payments in question were paid in November. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Provide evidence xxxxxx mortgages #xxxxxx, #xxxxxx and #xxxxxx are due for xxxxxx as GL calls for 0x30x12. Need evidence of November payment being made. - Due Diligence Vendor-xxxxxx |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Resolved--Seller provided bank statements showing xxxxxx payments in question were paid in November. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 41.44% is 8.56% lower than maximum 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 683 is 23 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780834 | xxxxxx D B A | Closed | xxxxxx | 2022-12-22 13:11 | 2022-12-22 13:28 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines 8 NSF in 12 months on Business bank statements. Exception approved by investor. LOE in file - Due Diligence Vendor-xxxxxx |  | Waived-Income and Employment Do Not Meet Guidelines 8 NSF in 12 months on Business bank statements. Exception approved by investor. LOE in file - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 41.44% is 8.56% lower than maximum 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 683 is 23 points higher than required 660 | - Self employment for > 10 years<br> - DTI ,= 43% which is below requirement in guidelines |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780925 | xxxxxx C B A | Closed | xxxxxx | 2022-12-07 10:40 | 2023-02-01 15:28 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved--Received I/O Note - Due Diligence Vendor-xxxxxx <br> Resolved-Calculated Initial P&I Payment Amount matches Initial Payment Amount or is within $0.01 variance. - Due Diligence Vendor-xxxxxx <br> Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) - Calculated Initial P&I Payment Amount is $xxxxxx and does not match Initial P&I Payment Amount of $7,987.50. Final CD reflects I/O payment and note payment appears to be I/O of $xxxxxx however, Note does not reflect I/O verbiage. (Variance exceeds $0.01) Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved--Received I/O Note - Due Diligence Vendor-xxxxxx <br>Resolved-Calculated Initial P&I Payment Amount matches Initial Payment Amount or is within $0.01 variance. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 801 exceeds 660 required.<br>LTV is less than guideline maximum - - LTV of 80% is less than the 85% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780925 | xxxxxx C B A | Closed | xxxxxx | 2022-12-09 12:13 | 2022-12-16 12:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Borrower received $82k+ back at the time of funding xxxxxx xxxxxx. Borrower has sufficient for reserves. - Due Diligence Vendor-xxxxxx <br> Resolved-Audited Reserves of 10.72 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 2.56 month(s) are less than Guideline Required Reserves of 6 month(s) - Required reserves $60,523.50, borrower has own post closing funds available of $25,786.80. - Due Diligence Vendor-xxxxxx |  | Resolved--Borrower received $82k+ back at the time of funding PCCD xxxxxx Borrower has sufficient for reserves. - Due Diligence Vendor-xxxxxx<br> Resolved-Audited Reserves of 10.72 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 801 exceeds 660 required.<br>LTV is less than guideline maximum - - LTV of 80% is less than the 85% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780925 | xxxxxx C B A | Closed | xxxxxx | 2022-12-09 10:56 | 2022-12-09 14:40 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Deemed non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Deemed non-material due to DTI of 33% <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 801 exceeds 660 required.<br>LTV is less than guideline maximum - - LTV of 80% is less than the 85% allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781052 | xxxxxx B A | Closed | xxxxxx | 2022-11-18 10:22 | 2022-11-18 12:15 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx _Waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx _Waiver applied to non-material finding - Policy was effective prior to disbursement on purchase transaction. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 28 months reserves.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 20% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 90 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781066 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 09:33 | 2022-12-16 06:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved--Received complete fraud report - Due Diligence Vendor-xxxxxx <br>Counter--Received fraud report however, seller(s) is/are not included. Please provide updated report - Due Diligence Vendor-xxxxxx <br>Open-Missing Third Party Fraud Report Guideline require OFAC/ GSA/LDP checked for all the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction to be included on the Fraud report. - Due Diligence Vendor-xxxxxx |  | Resolved--Received complete fraud report - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 55.8% is less than guideline maximum 80%.<br>Months Reserves exceed minimum required - - Months Reserves 13 exceed minimum required 4.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 760 is at least 20 points above minimum for program 680. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781066 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 09:30 | 2022-12-06 16:05 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Deemed non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Deemed non-material due to DTI 43.28% with allowable 49.99% <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 55.8% is less than guideline maximum 80%.<br>Months Reserves exceed minimum required - - Months Reserves 13 exceed minimum required 4.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 760 is at least 20 points above minimum for program 680. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781066 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 09:11 | 2022-12-06 16:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Purchase contract missing closing date. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Purchase contract missing closing date.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 55.8% is less than guideline maximum 80%.<br>Months Reserves exceed minimum required - - Months Reserves 13 exceed minimum required 4.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 760 is at least 20 points above minimum for program 680. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781079 | xxxxxx C B A | Closed | xxxxxx | 2022-11-20 11:04 | 2022-11-28 10:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved--Received post-close CD xxxxxx with a Disbursement date of xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Material, Final CD disbursement date xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received post-close CD xxxxxx with a Disbursement date of xxxxxx - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781079 | xxxxxx C B A | Closed | xxxxxx | 2022-11-20 11:48 | 2022-11-20 14:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.17 month(s) are less than Guideline Required Reserves of 6 month(s) - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 5.17 month(s) are less than Guideline Required Reserves of 6 month(s) - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 44 points higher than required 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781081 | xxxxxx B A | Closed | xxxxxx | 2022-11-29 17:55 | 2022-12-05 08:26 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Soft-pull credit report within 10 days of closing not provided. 36% DTI - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 116 points above minimum required.<br>Qualifying DTI below maximum allowed - - DTI is 11% below max allowed. |  |  | Non-QM: APOR | Non-QM: APOR | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781081 | xxxxxx B A | Closed | xxxxxx | 2022-11-29 18:11 | 2022-11-29 20:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.82 month(s) are less than Guideline Required Reserves of 6 month(s) - Sufficient assets not documented to meet 6 month reserve requirement. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 4.82 month(s) are less than Guideline Required Reserves of 6 month(s) - Sufficient assets not documented to meet 6 month reserve requirement. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 116 points above minimum required.<br>Qualifying DTI below maximum allowed - - DTI is 11% below max allowed. |  |  | Non-QM: APOR | Non-QM: APOR | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781081 | xxxxxx B A | Closed | xxxxxx | 2022-11-29 17:46 | 2022-11-29 20:41 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Effective at disbursement xxxxxx, per Final CD. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Effective at disbursement xxxxxx, per Final CD. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 116 points above minimum required.<br>Qualifying DTI below maximum allowed - - DTI is 11% below max allowed. |  |  | Non-QM: APOR | Non-QM: APOR | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781084 | xxxxxx C B A | Closed | xxxxxx | 2022-12-02 16:13 | 2022-12-14 12:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Provide title commitment with proposed insured amount. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $1250000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 74.63% is less than guideline maximum 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 756 is at least 20 points above minimum for program 660. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781084 | xxxxxx C B A | Closed | xxxxxx | 2022-12-02 17:08 | 2022-12-03 18:23 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Purchase loan, disbursement date xxxxxx per CD. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Purchase loan, disbursement date xxxxxx per CD. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 74.63% is less than guideline maximum 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 756 is at least 20 points above minimum for program 660. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781097 | xxxxxx D A | Closed | xxxxxx | 2022-11-18 10:19 | 2022-11-22 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved--USCIS filing provided showing extension period extended from 180 days to 540 days. - Due Diligence Vendor-xxxxxx <br> Open--Employment Authorization card expired xxxxxx. Form 797C dated xxxxxx extending 180 days makes expiration date 8/29/22. Note dated xxxxxx. Missing evidence EA card was either approved or extended a second time. - Due Diligence Vendor-xxxxxx |  | Resolved--USCIS filing provided showing extension period extended from 180 days to 540 days. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is less than the 70% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - -727 FICO exceeds 680 minimum. |  |  | Non-QM: APOR | Non-QM: APOR | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 781098 | xxxxxx B A | Closed | xxxxxx | 2022-11-28 14:29 | 2022-11-28 15:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 6.28 month(s) are less than Guideline Required Reserves of 7 month(s) - Verified assets $196465. Minus funds to close $160301.02. Required reserves 6 months or $34,571.88 and 1 month REO P&I $1867.02 = $36438.89. Post close asset $36,163.98. t short funds to reserves $274.91. Deemed non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 6.28 month(s) are less than Guideline Required Reserves of 7 month(s) - Verified assets $196465. Minus funds to close $160301.02. Required reserves 6 months or $34,571.88 and 1 month REO P&I $1867.02 = $36438.89. Post close asset $36,163.98. t short funds to reserves $274.91. Deemed non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | On time mortgage history exceeds guideline requirement - - Credit report reflect no late in past 70 months exceeds guideline requirement 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 788 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781098 | xxxxxx B A | Closed | xxxxxx | 2022-11-28 13:06 | 2022-11-28 15:35 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Per CD disbursement date xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Per CD disbursement date xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | On time mortgage history exceeds guideline requirement - - Credit report reflect no late in past 70 months exceeds guideline requirement 12.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 788 is at least 20 points above minimum for program 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781124 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-03 15:46 | 2022-12-14 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Credit Refresh Report within 10 days of closing not provided. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV is 5% below max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 76 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781124 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-12 14:45 | 2022-12-14 12:59 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV is 5% below max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 76 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781124 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-03 16:04 | 2022-12-12 14:49 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received all income documents - Due Diligence Vendor-xxxxxx<br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Income documentation missing from file. - Due Diligence Vendor-xxxxxx |  | Resolved--Received all income documents - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV is 5% below max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 76 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781124 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-03 15:42 | 2022-12-12 14:48 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received July statement - Due Diligence Vendor-xxxxxx <br> Counter--Missing xxxxxx statement. Received xxxxxx xxxxxx , xxxxxx , xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines -12 Mo Bank Stmt program - Missing statements from xxxxxx , xxxxxx ,xxxxxx , xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received July statement - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV is 5% below max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 76 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781124 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-03 13:37 | 2022-12-04 13:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Contract extension not provided - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Contract extension not provided - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV is 5% below max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 76 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781124 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-02 18:42 | 2022-12-20 08:38 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved--Lender credit rate lock related, COC in file - Due Diligence Vendor-xxxxxx<br>Resolved-Resolved - Due Diligence Vendor-xxxxxx <br>Counter--Client response: Please see attached rebuttal.<br> -(AUDIT RESPONSE) - No documentation attached for review - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,840.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,140.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Lender credit decreased on LE xxxxxx without a valid COC in file. Decreases in Lender Credit must be specifically addressed and sufficiently tied to the changed circumstance or borrower requested change. - Due Diligence Vendor-xxxxxx |  | Resolved--Lender credit rate lock related, COC in file - Due Diligence Vendor-xxxxxx <br>Resolved-Resolved - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV is 5% below max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 76 points above minimum required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781135 | xxxxxx C B A | Closed | xxxxxx | 2022-12-14 17:57 | 2022-12-21 17:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% - Max LTV of 70% is allowed when using a P&L statement only to verify income. LTV on transaction is 80%. Investor exception requested and approved. - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% - Max LTV of 70% is allowed when using a P&L statement only to verify income. LTV on transaction is 80%. Investor exception requested and approved. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Reserves of 42.73 months exceeds required six months.<br>Qualifying DTI below maximum allowed - - DTI of 43.68% less than the 50% DTI allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 722 exceeds required 680. | -Reserves exceed requirement by 10 months or more<br> - Self-employed for > 2 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781135 | xxxxxx C B A | Closed | xxxxxx | 2022-12-14 06:18 | 2022-12-21 11:01 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Late Charge Grace Period is less than 10 days | Waived--Investor waiver applied to non-material finding. <br> - Note reflect language that reverts to the maximum late charge for applicable law and Final CD reflects late charge of 15 days and 5%. Deemed non-material. - Due Diligence Vendor-xxxxxx <br>Open-Late Charge Grace Period is less than 10 days - Note reflects a grace period of of 5 days with a late charge of 10% which does not match Final CD with a grace period of 15% and a late charge of 5%.<br> Statute of Limitations - Three Years - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding. <br> - Note reflect language that reverts to the maximum late charge for applicable law and Final CD reflects late charge of 15 days and 5%. Deemed non-material. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Reserves of 42.73 months exceeds required six months.<br>Qualifying DTI below maximum allowed - - DTI of 43.68% less than the 50% DTI allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 722 exceeds required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781153 | xxxxxx B A | Closed | xxxxxx | 2022-12-03 13:18 | 2022-12-03 13:18 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived--FEMA declaration xxxxxx declared xxxxxx. Appraisal completion date xxxxxx, Note dated xxxxxx, Desk review complete 11/14/22. Finding is non-material. - Investor waiver applied to non-material findings - Due Diligence Vendor-xxxxxx |  | Waived--FEMA declaration xxxxxx declared xxxxxx. Appraisal completion date xxxxxx, Note dated xxxxxx, Desk review complete 11/14/22. Finding is non-material. - Investor waiver applied to non-material findings - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid qualifying FICO is 781, minimum required FICO is 680 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781153 | xxxxxx B A | Closed | xxxxxx | 2022-12-03 12:56 | 2022-12-04 13:47 | Waived | 2 - Non-Material B | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Waived-Third Party Fraud Report Partially Provided - Investor waiver applied to non-material finding - Third party fraud report is incomplete, all parties to the transaction are not included, however fraud report run on borrower. - Due Diligence Vendor-xxxxxx |  | Waived-Third Party Fraud Report Partially Provided - Investor waiver applied to non-material finding - Third party fraud report is incomplete, all parties to the transaction are not included, however fraud report run on borrower. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid qualifying FICO is 781, minimum required FICO is 680 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781264 | xxxxxx C B A | Closed | xxxxxx | 2022-12-19 12:18 | 2022-12-21 10:24 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved--Received 24 month chain of title - Due Diligence Vendor-xxxxxx <br>Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Unsatisfactory Chain of Title provided -24 month chain of title not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received 24 month chain of title - Due Diligence Vendor-xxxxxx<br>Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 40 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 67 points above minimum required. |  | email from title.pdf<br>deed de xxxxxx.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781264 | xxxxxx C B A | Closed | xxxxxx | 2022-12-19 12:49 | 2022-12-19 14:08 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Verification of business within 10 days of closing was not provided. Verification in file dated 11 days prior to closing and deemed non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Verification of business within 10 days of closing was not provided. Verification in file dated 11 days prior to closing and deemed non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 40 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 67 points above minimum required. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781268 | xxxxxx C B A | Closed | xxxxxx | 2022-11-28 11:09 | 2022-12-14 10:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Received updated credit report dated 12/13/2022 showing Auto Lease with a remaining $8 payment, no new debt identified. This would reduce DTI under 50%. Inquiries do not reflect any new inquiries after Note date to suggest a new auto loan was acquired. Finding is deemed non-material. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Please see UW Cert, LQI report, updated 1003/1008 and updated SSI income calculation sheet. - Seller-xxxxxx <br> Counter--Without tax returns, Audit is unable to determine taxable vs non-taxable therefore, SSI income used for qualifying in Audit review is base SSI income of $2584.10 which creates a DTI of 51.99% which exceeds max allowable of 50%. Finding remains - Due Diligence Vendor-xxxxxx <br> Ready for Review-Loan is a bank statement loan and tax returns cannot be in the file. Guidelines state that tax returns MAY be required to determine non-taxable portion of some non-taxable income. SSI is based on xxxxxx award letter in file. - Seller-xxxxxx <br> Open-Audited DTI of 51.99% exceeds Guideline DTI of 50% Lender grossed up the SSI, however, tax returns are not in file to support the ability to gross up. Guides allow up to a 55% DTI, as long as there si 3500 in residual, < 85% LTV, 12 months reserves and 2 yrs of bk statement income. Borrower meets all except only provided 1 yr of bk statements. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Please see UW Cert, LQI report, updated 1003/1008 and updated SSI income calculation sheet. - Seller-xxxxxx <br> Ready for Review-Loan is a bank statement loan and tax returns cannot be in the file. Guidelines state that tax returns MAY be required to determine non-taxable portion of some non-taxable income. SSI is based on xxxxxx award letter in file. - Seller-xxxxxx | Waived--Received updated credit report dated 12/13/2022 showing Auto Lease with a remaining $8 payment, no new debt identified. This would reduce DTI under 50%. Inquiries do not reflect any new inquiries after Note date to suggest a new auto loan was acquired. Finding is deemed non-material. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 748 exceeds minimum required 700.<br>Months Reserves exceed minimum required - -12 months reserves exceeds required 3 months. |  | CREDIT REPORT(5).pdf<br>LOPrint(55).pdf<br>UW Cert xxxxxx LQI.pdf<br>INCOME CALCULATION WORKSHEET(5).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 781268 | xxxxxx C B A | Closed | xxxxxx | 2022-11-23 14:23 | 2022-12-09 08:40 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - CPA letter provided is dated xxxxxx . Need new CPA letter stating borrower is 100% owner of xxxxxx dated within 60 days of the note dated xxxxxx. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx<br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 748 exceeds minimum required 700.<br>Months Reserves exceed minimum required - -12 months reserves exceeds required 3 months. |  | UW Cert xxxxxx.pdf<br> Annual Report xxxxxx .pdf<br> Initial Report xxxxxx pdf<br> VERBAL VERIFCATION OF EMPLOYMENT_(24).pdf<br> Annual Reportxxxxxx .pdf<br> Annual Reportxxxxxx .pdf<br> Annual Report xxxxxx pdf<br> Certificate of formation.pdf<br> Annual Report xxxxxx .pdf<br> Annual Reportxxxxxx .pdf<br> Annual Reportxxxxxx pdf<br> Annual report xxxxxx .pdf<br> Annual Report xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781268 | xxxxxx C B A | Closed | xxxxxx | 2022-11-27 19:43 | 2022-12-09 08:40 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors CPA letter in file is 3 yrs old, - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 748 exceeds minimum required 700.<br>Months Reserves exceed minimum required - -12 months reserves exceeds required 3 months. |  | Annual Report xxxxxx .pdf<br> Annual Reportxxxxxx .pdf<br> Annual report xxxxxx .pdf<br> Annual Report xxxxxx .pdf<br> Annual Report xxxxxx <br> UW Cert xxxxxx.pdf<br> VERBAL VERIFCATION OF EMPLOYMENT_(24).pdf<br> Annual Reportxxxxxx .pdf<br> Annual Report xxxxxx pdf<br> Initial Report xxxxxx .pdf<br> Annual Report xxxxxx .pdf<br> Certificate of formation.pdf<br> Annual Report xxxxxx pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781268 | xxxxxx C B A | Closed | xxxxxx | 2022-11-22 16:02 | 2022-11-28 17:44 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Received initial LE - Due Diligence Vendor-xxxxxx <br>Resolved- - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Unable to test tolerance fees as initial loan estimate is missing. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved--Received initial LE - Due Diligence Vendor-xxxxxx<br>Resolved- - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 748 exceeds minimum required 700.<br>Months Reserves exceed minimum required - -12 months reserves exceeds required 3 months. |  | initial LE xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781268 | xxxxxx C B A | Closed | xxxxxx | 2022-11-22 16:08 | 2022-11-28 17:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved--Received initial LE - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Missing Initial Loan Estimate. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received initial LE - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 748 exceeds minimum required 700.<br>Months Reserves exceed minimum required - -12 months reserves exceeds required 3 months. |  | initial LE xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781268 | xxxxxx C B A | Closed | xxxxxx | 2022-11-22 15:45 | 2022-11-28 17:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-The Initial 1003 is Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-The Initial 1003 is Present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 748 exceeds minimum required 700.<br>Months Reserves exceed minimum required - -12 months reserves exceeds required 3 months. |  | initial 1003 xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781268 | xxxxxx C B A | Closed | xxxxxx | 2022-11-22 15:50 | 2022-11-28 17:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-xxxxxx<br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Homeownership Counseling Disclosure Is Missing - Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 748 exceeds minimum required 700.<br>Months Reserves exceed minimum required - -12 months reserves exceeds required 3 months. |  | HO Counseling Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781268 | xxxxxx C B A | Closed | xxxxxx | 2022-11-22 15:50 | 2022-11-22 16:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 748 exceeds minimum required 700.<br>Months Reserves exceed minimum required - -12 months reserves exceeds required 3 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 781294 | xxxxxx D B A | Closed | xxxxxx | 2022-12-07 09:45 | 2022-12-09 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received GAP report for both borrowers and no new debt found - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Provide a gap credit or Undisclosed Debt Monitoring report for B1 and B2 no more than 10 days prior to loan closing or any time after closing . Also, Fico, tradelines and consumer credit must also meet guides once received.<br> (Material due to DTI of 49%) - Due Diligence Vendor-xxxxxx |  | Resolved--Received GAP report for both borrowers and no new debt found - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 790 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - - Months Reserves 27 exceed minimum required 12. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781294 | xxxxxx D B A | Closed | xxxxxx | 2022-12-07 09:17 | 2022-12-07 13:05 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non-material Subject property located in xxxxxx and CD disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non-material Subject property located in xxxxxx and CD disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 790 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - - Months Reserves 27 exceed minimum required 12. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781294 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 10:58 | 2022-12-07 13:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Statute of Limitation - three years.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-The Home Loan Toolkit disclosure is missing. Statute of Limitation - three years.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 790 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - - Months Reserves 27 exceed minimum required 12. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781296 | xxxxxx C A | Closed | xxxxxx | 2022-12-01 15:40 | 2023-02-01 14:18 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received documentation to support xxxxxx paid in full prior to closing - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Open- - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Please see UW Cert, updated 1003/1008, current Cap1 statements, payments, screen shot showing -0- balance. - Seller-xxxxxx <br> Counter--Audit DTI of 50.23% exceeds allowable of 50%. Student loan payments updated using 0.5% of outstanding balance however, Audit consumer debt of $518.18 does not match Originator calculation of $90.36. Finding remains - Due Diligence Vendor-xxxxxx <br> Open- - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. xxxxxx updated guidelines effective xxxxxx allows for .5% for payment for student loans. - Seller-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - DTI exceeds max allowed - - Using 1% of student loan balances per guidelines - evidence of lower payments amounts used by Lender not provided. Exception approval to use 0.5% of loan amounts not found in file. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Please see UW Cert, updated 1003/1008, current Cap1 statements, payments, screen shot showing -0- balance. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. xxxxxx updated guidelines effective xxxxxx allows for .5% for payment for student loans. - Seller-xxxxxx | Resolved--Received documentation to support xxxxxx paid in full prior to closing - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 58 points above minimum required. |  | udpated guidelines on student loans.pdf<br>UW Cert xxxxxx.pdf<br>payments made to xxxxxx.pdf<br>Proof Cap 1 -0- balance.pdf<br>xxxxxx screenshot.pdf<br>Cap1 statement.pdf<br>LOPrint(56).pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781296 | xxxxxx C A | Closed | xxxxxx | 2022-12-01 14:51 | 2022-12-15 09:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received LOE - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Counter--Received xxxxxx ledgers in which some of the deposits match to the bank statements however, there is no name (spouse) associated or listed with any of the 3 accounts. Provide a signature of acknowledgement on each document or an LOE stating these documents are in fact from the Borrower's spouse. Finding remains - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Please see income worksheet along with wife's income to support transfers. - Seller-xxxxxx <br>Open-Income and Employment Do Not Meet Guidelines - Missing evidence transfers from spouse are business income; income worksheet indicates all transfers were excluded but does not support income used by Lender. LOE in file indicates transfers from spouse are business income and were included in qualifying income, however, no supporting docs to evidence this as business income was provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. Please see income worksheet along with wife's income to support transfers. - Seller-xxxxxx | Resolved--Received LOE - Due Diligence Vendor-xxxxxx<br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 58 points above minimum required. |  | AUDIT CONDITIONS(97).pdf<br>xxxxxx report.pdf<br>xxxxxx payments.pdf<br>xxxxxx balance history.pdf<br>LOE xxxxxx.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781296 | xxxxxx C A | Closed | xxxxxx | 2022-12-01 15:51 | 2022-12-15 09:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Received documentation to support Cap 1 account paid in full prior to Note date - Due Diligence Vendor-xxxxxx <br>Resolved-Audited DTI of 49.9% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Counter--Audit DTI of 50.23% exceeds allowable of 50%. Student loan payments updated using 0.5% of outstanding balance however, Audit consumer debt of $518.18 does not match Originator calculation of $90.36. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-Audited DTI of 50.23% exceeds Guideline DTI of 50% - Due Diligence Vendor-xxxxxx <br>Open-Audited DTI of 50.23% exceeds Guideline DTI of 50% - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. xxxxxx updated guidelines effective 10.13.22 allows for .5% for payment for student loans. - Seller-xxxxxx <br>Open-Audited DTI of 56.7% exceeds Guideline DTI of 50% DTI of 56.7% exceeds max allowed. Missing exception approval to use 0.5% of student loan balances to calculate payments; Max DTI 50% - does not meet 55% requirements based on 12 Mo bank statement and available reserves - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. xxxxxx updated guidelines effective xxxxxx allows for .5% for payment for student loans. - Seller-xxxxxx | Resolved--Received documentation to support xxxxxx account paid in full prior to Note date - Due Diligence Vendor-xxxxxx <br> Resolved-Audited DTI of 49.9% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 58 points above minimum required. |  | udpated guidelines on student loans.pdf<br>UW Cert xxxxxx.pdf<br>payments made to xxxxxx.pdf<br>xxxxxx screenshot.pdf<br>Proof Cap 1 -0- balance.pdf<br>Cap1 statement.pdf<br>LOPrint(56).pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781299 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 08:39 | 2022-11-21 16:57 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Desk Review completed which supports value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open-Missing CU/LCA score of 2.5 or less or Desk Review per guidelines. - Due Diligence Vendor-xxxxxx |  | Resolved--Desk Review completed which supports value. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 41.6% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 637 FICO exceeds 350 minimum required.<br>Qualifying DTI below maximum allowed - 50.06% DTI is less than 55% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781299 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 14:19 | 2022-11-28 11:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Received Seller's Closing Statement for departing property which shows funds received that also match large deposit - Due Diligence Vendor-xxxxxx <br> Open-Missing source of $377,834.07 deposit on xxxxxx to xxxxxx xxxxxx (transferred to xxxxxx). - Due Diligence Vendor-xxxxxx |  | Resolved--Received Seller's Closing Statement for departing property which shows funds received that also match large deposit - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 41.6% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 637 FICO exceeds 350 minimum required.<br>Qualifying DTI below maximum allowed - 50.06% DTI is less than 55% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781299 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-16 17:59 | 2022-11-21 14:45 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--The Final 1003 is Incomplete 1003 in file is Legacy form type, app date of xxxxxx requires new 2021 1003. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 41.6% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 637 FICO exceeds 350 minimum required.<br>Qualifying DTI below maximum allowed - 50.06% DTI is less than 55% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781299 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 08:15 | 2022-11-21 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Solar lease agreement provided. - Due Diligence Vendor-xxxxxx <br>Open-Clarification required if xxxxxx are leased or owned. Appraisal notes solar leased (included contributory value) but title includes UCC filing. Purchase agreement notes buyer to assume solar lease or power purchase agreement. Missing copy of related agreement to meet Client requirements. Monthly payment of $142.30 disclosed on purchase agreement and 1003 was included by Audit. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Resolved--Solar lease agreement provided. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 41.6% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 637 FICO exceeds 350 minimum required.<br>Qualifying DTI below maximum allowed - 50.06% DTI is less than 55% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781299 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-16 09:21 | 2022-11-16 16:20 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - All persons involved in loan transactions are subject to OFAC search.<br> - OFAC only run for borrowers - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 41.6% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 637 FICO exceeds 350 minimum required.<br>Qualifying DTI below maximum allowed - 50.06% DTI is less than 55% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781299 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-14 13:12 | 2022-11-14 13:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 41.6% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 637 FICO exceeds 350 minimum required.<br>Qualifying DTI below maximum allowed - 50.06% DTI is less than 55% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781300 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-16 10:12 | 2022-11-28 11:27 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received supporting the value - Due Diligence Vendor-xxxxxx <br> Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br> Open--Missing appraisal review product of either desk review or CU/LCA score <=2.5. xxxxxx estimate in file is not acceptable. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received supporting the value - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -72 months reserves exceeds minimum amount of zero months.<br>LTV is less than guideline maximum - - LTV 43% less than max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781300 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 16:20 | 2022-12-08 11:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved--Received updated/corrected written VOE - Due Diligence Vendor-xxxxxx<br>Open--Written VOE provided from xxxxxx is missing the borrower's annual salary amount figure. Line where information goes is blank. - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated/corrected written VOE - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -72 months reserves exceeds minimum amount of zero months.<br>LTV is less than guideline maximum - - LTV 43% less than max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781300 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 16:21 | 2022-12-01 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Client response: xxxxxx does not require LOE for credit inquiries on any loans<br> -(AUDIT RESPONSE) Agreed, guidelines do not require LOE - Due Diligence Vendor-xxxxxx <br> Open--LOE for the following credit inquiries is missing: xxxxxx xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: xxxxxx does not require LOE for credit inquiries on any loans<br> -(AUDIT RESPONSE) Agreed, guidelines do not require LOE - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -72 months reserves exceeds minimum amount of zero months.<br>LTV is less than guideline maximum - - LTV 43% less than max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781300 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-16 18:02 | 2022-11-21 14:46 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-The Final 1003 is Incomplete Legacy final 1003 used in loan with application date of xxxxxx. xxxxxx 1003 required. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -72 months reserves exceeds minimum amount of zero months.<br>LTV is less than guideline maximum - - LTV 43% less than max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781300 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 15:09 | 2022-11-21 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing VVOE from xxxxxx dated within 10 days of note date of xxxxxx. A WVOE was only provided dated xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -72 months reserves exceeds minimum amount of zero months.<br>LTV is less than guideline maximum - - LTV 43% less than max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781300 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 15:37 | 2022-11-16 17:17 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-- Waiver applied to non-material finding - OFAC Check Not Completed and/or Cleared - No proof of parties involved in transaction checked against OFAC. - OFAC addressed for borrower - Due Diligence Vendor-xxxxxx |  | Waived-- Waiver applied to non-material finding - OFAC Check Not Completed and/or Cleared - No proof of parties involved in transaction checked against OFAC. - OFAC addressed for borrower - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -72 months reserves exceeds minimum amount of zero months.<br>LTV is less than guideline maximum - - LTV 43% less than max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781300 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 09:37 | 2022-11-15 09:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -72 months reserves exceeds minimum amount of zero months.<br>LTV is less than guideline maximum - - LTV 43% less than max allowed of 80%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781301 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-15 13:22 | 2022-11-28 11:29 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value - Due Diligence Vendor-xxxxxx<br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - DTI of 17% is less than the guideline maximum of 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Credit score of 716 exceeds guideline minimum of 350 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781301 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-18 12:56 | 2022-11-30 16:42 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Legacy final 1003 used in loan with application date of xxxxxx. 2021 1003 required,. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 17% is less than the guideline maximum of 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Credit score of 716 exceeds guideline minimum of 350 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781301 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-15 12:09 | 2022-11-18 12:38 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Non material Borrower OFAC check in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Non material Borrower OFAC check in file.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DTI of 17% is less than the guideline maximum of 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Credit score of 716 exceeds guideline minimum of 350 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781303 | xxxxxx D B A | Closed | xxxxxx | 2022-11-15 15:11 | 2022-12-01 09:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved--Received RCE - Due Diligence Vendor-xxxxxx<br>Resolved-The Replacement Cost Estimator from the Insurer was provided or the Coverage Amount - Hazard Insurance is equal to or greater than the Required Coverage Amount. - Due Diligence Vendor-xxxxxx<br>Open-Coverage Amount - Hazard Insurance is less than the Required Coverage Amount (A Replacement Cost Estimator from the Insurer was not provided) - Due Diligence Vendor-xxxxxx |  | Resolved--Received RCE - Due Diligence Vendor-xxxxxx<br>Resolved-The Replacement Cost Estimator from the Insurer was provided or the Coverage Amount - Hazard Insurance is equal to or greater than the Required Coverage Amount. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 23 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 41.67% is less than guideline maximum 90 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781303 | xxxxxx D B A | Closed | xxxxxx | 2022-11-18 13:28 | 2022-11-30 16:44 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--The Final 1003 is Incomplete - Missing correct 1003 form xxxxxx for final 1003 for both borrowers - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 23 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 41.67% is less than guideline maximum 90 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781303 | xxxxxx D B A | Closed | xxxxxx | 2022-11-15 16:04 | 2022-11-18 09:14 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - File contain OFAC only for Borrower. However, OFAC not reported for all parties. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - File contain OFAC only for Borrower. However, OFAC not reported for all parties. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 23 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 41.67% is less than guideline maximum 90 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781304 | xxxxxx C B A | Closed | xxxxxx | 2022-11-16 10:11 | 2022-11-28 11:33 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open---LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months reserves of 20 exceed minimum of 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 707 is at least 20 points above minimum for program 680. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781304 | xxxxxx C B A | Closed | xxxxxx | 2022-11-16 09:39 | 2022-11-22 14:18 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved--Replacement cost estimator from insurer provided confirming coverage exceeds replacement cost. - Due Diligence Vendor-xxxxxx <br> Open--Coverage with extended replacement is $xxxxxx which is less than loan amount of xxxxxx and appraisal cost new of xxxxxx without replacement cost estimator. - Due Diligence Vendor-xxxxxx |  | Resolved--Replacement cost estimator from insurer provided confirming coverage exceeds replacement cost. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months reserves of 20 exceed minimum of 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 707 is at least 20 points above minimum for program 680. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781304 | xxxxxx C B A | Closed | xxxxxx | 2022-11-16 09:46 | 2022-11-17 10:49 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Investor waiver applied to non-material finding - File contain OFAC run for Borrower. However, OFAC not reported for all parties. - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Investor waiver applied to non-material finding - File contain OFAC run for Borrower. However, OFAC not reported for all parties. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months reserves of 20 exceed minimum of 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 707 is at least 20 points above minimum for program 680. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781306 | xxxxxx C B A | Closed | xxxxxx | 2022-11-15 16:02 | 2022-11-30 15:29 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Desk review received that supports value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open--Missing CU/LCA score of 2.5 or less or Desk Review - Due Diligence Vendor-xxxxxx |  | Resolved--Desk review received that supports value. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is 15% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 792 is 217 points higher than required 575 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781306 | xxxxxx C B A | Closed | xxxxxx | 2022-11-15 16:29 | 2022-11-16 16:29 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived--only run on borrower- Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - all parties to transaction - Due Diligence Vendor-xxxxxx |  | Waived--only run on borrower- Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is 15% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 792 is 217 points higher than required 575 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 16:24 | 2022-11-28 11:43 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open-Missing CU/LCA score of 2.5 or less or Desk Review per guidelines. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2023-01-27 13:30 | 2023-01-27 13:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Appraisal completed as is but it identifies a fall hazard area on xxxxxx noting that xxxxxx are needed for safety. Missing evidence that xxxxxx were added. xxxxxx do contain xxxxxx per city code railing is required on 3 or greater steps but no xxxxxx requirement. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Appraisal completed as is but it identifies a fall hazard area on xxxxxx are needed for safety. Missing evidence that xxxxxx were added. xxxxxx therefore, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 18:03 | 2022-12-06 15:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Investor Waiver: exception toxxxxxx criteria - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Please find attached written VOE for xxxxxx which shows borrowers annual salary of $145,000 This base income was used for qualification purposes for borrowers current employment Please be advised xxxxxx is borrowers previous employer<br> -(AUDIT RESPONSE) Borrower 1 is currently employed with xxxxxx with an annual salary of $145,000/12 = $12,083.33, additionally earns commission income. While the commission income may be used as borrower has received for a minimum of 2 years, the current year commission income is declining from previous 2 years. Commission income used of $3210.41 is based on the average from current employer and will remain as such. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 52.69% exceeds Guideline DTI of 50% - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 53.53% exceeds Guideline DTI of 50% - Missing evidence that OC Tanner and Workiva are one and the same in order to use higher commission income reported for xxxxxx . VOE notes borrower started with xxxxxx, and only commission from this employment used to qualify. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: exception to xxxxxx ; FICO over 30 points above minimum, LTV 16% below maximum and residual of $9,824.41 - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 18:04 | 2022-12-06 15:19 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Ability to repay demonstrated with FICO, residual of $9,824.41 per month and LTV 16% below maximum. - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Please find attached written VOE for xxxxxx which shows borrowers annual salary of $145,000 This base income was used for qualification purposes for borrowers current employment Please be advised xxxxxx is borrowers previous employer<br> -(AUDIT RESPONSE) Borrower 1 is currently employed with xxxxxx with an annual salary of $145,000/12 = $12,083.33, additionally earns commission income. While the commission income may be used as borrower has received for a minimum of 2 years, the current year commission income is declining from previous 2 years. Commission income used of $3210.41 is based on the average from current employer and will remain as such. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing evidence that xxxxxx and xxxxxx are one and the same in order to use higher commission income reported for xxxxxx . VOE notes borrower started with xxxxxx, and only commission from this employment used to qualify.<br> - Missing two months' most recent statements for xxxxxx #xxxxxx dated within 30 days and supporting asset depletion income of $5,060.90 for B2.<br> - Missing documentation supporting xxxxxx income of $785.14 monthly for 16335 xxxxxx.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Ability to repay demonstrated with FICO, residual of $9,824.41 per month and LTV 16% below maximum. - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 17:07 | 2022-12-01 11:18 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received 2 months xxxxxx statements supporting Asset depletion income and income ledger for 16335 - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Missing two months' most recent statements for xxxxxx #xxxxxx dated within 30 days and supporting asset depletion income of $5,060.90 for B2.<br> - Missing documentation supporting xxxxxx income of $785.14 monthly for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received 2 months xxxxxx statements supporting Asset depletion income and income ledger for xxxxxx - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-18 13:25 | 2022-11-30 16:46 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Final 1003 on incorrect form, must use application form dated xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-xxxxxx<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-18 09:56 | 2022-11-30 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved--Received OFAC for both borrowers - Due Diligence Vendor-xxxxxx <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx<br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-xxxxxx |  | Resolved--Received OFAC for both borrowers - Due Diligence Vendor-xxxxxx <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 17:07 | 2022-11-18 11:44 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Missing verbal VOE within 10 calendar days of xxxxxx closing. VOE in file dated xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Missing verbal VOE within 10 calendar days of xxxxxx closing. VOE in file dated xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 10:22 | 2022-11-30 15:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved--Received initial LE - Due Diligence Vendor-xxxxxx <br>Open-Missing initial Loan Estimate within 3 days of application dated xxxxxx.<br> Statute of Limitation - three years. - Due Diligence Vendor-xxxxxx |  | Resolved--Received initial LE - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-30 15:04 | 2022-11-30 15:06 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved--Received HOC dated within 3 days of application date - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-xxxxxx |  | Resolved--Received HOC dated within 3 days of application date - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 12:46 | 2022-11-18 17:28 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived--Investor waiver applied to non-material Findings - The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '7'). The Home Loan Toolkit was not provided within 3 days of the Application Date of xxxxxx. Statute of Limitation - Due Diligence Vendor-xxxxxx <br>Open-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '7'). - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material Findings - The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '7'). The Home Loan Toolkit was not provided within 3 days of the Application Date of xxxxxx. Statute of Limitation - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781310 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 09:31 | 2022-11-15 13:00 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual income of $9,824.41 per month<br>LTV is less than guideline maximum - -74% LTV with maximum of 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 791, 550 allowed |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781311 | xxxxxx C B A | Closed | xxxxxx | 2022-11-16 11:51 | 2022-11-28 11:49 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open--Missing one of the following acceptable appraisal review products: CU or LCA 2.5 or less or an enhanced desk review from an approved vendor. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% less than 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781311 | xxxxxx C B A | Closed | xxxxxx | 2022-11-14 15:34 | 2022-11-16 12:12 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--Note date xxxxxx, final appraisal inspection xxxxxx, disaster declared xxxxxx. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--Note date xxxxxx, final appraisal inspection xxxxxx, disaster declared xxxxxx. Non-material due located in xxxxxx which has Public Assistance available.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% less than 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781311 | xxxxxx C B A | Closed | xxxxxx | 2022-11-14 16:54 | 2022-11-16 17:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived--Waiver applied to non-material finding - OFAC Check Not Completed and/or Cleared - No proof of parties involved in transaction checked against OFAC. - OFAC addressed for borrower - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-xxxxxx |  | Waived--Waiver applied to non-material finding - OFAC Check Not Completed and/or Cleared - No proof of parties involved in transaction checked against OFAC. - OFAC addressed for borrower - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% less than 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781313 | xxxxxx B A | Closed | xxxxxx | 2022-11-16 12:41 | 2022-11-16 16:14 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-OFAC Check Not Completed and/or Cleared - All persons involved in loan transactions are subject to OFAC search.<br> - OFAC only run for borrower - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - LTV is less than the guideline maximum of 65%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 628 exceeds the minimum of 550. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781314 | xxxxxx C B A | Closed | xxxxxx | 2022-11-17 19:25 | 2022-11-28 11:51 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 120 months reserves exceeds required 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 689 is 89 points higher than required 600 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781314 | xxxxxx C B A | Closed | xxxxxx | 2022-11-17 19:53 | 2022-11-17 19:53 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All persons involved in loan transactions with xxxxxx are subject to a search on the OFAC government monitoring watch list.<br> - OFAC search for both borrowers in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All persons involved in loan transactions with xxxxxx are subject to a search on the OFAC government monitoring watch list.<br> - OFAC search for both borrowers in file.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 120 months reserves exceeds required 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 689 is 89 points higher than required 600 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781316 | xxxxxx C B A | Closed | xxxxxx | 2022-11-14 15:00 | 2022-11-28 11:54 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 22 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781316 | xxxxxx C B A | Closed | xxxxxx | 2022-11-14 15:17 | 2022-12-21 15:26 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved--Hazard dec page reflects replacement cost - Due Diligence Vendor-xxxxxx <br>Resolved-The Replacement Cost Estimator from the Insurer was provided or the Coverage Amount - Hazard Insurance is equal to or greater than the Required Coverage Amount. - Due Diligence Vendor-xxxxxx <br>Open-Coverage Amount - Hazard Insurance is less than the Required Coverage Amount (A Replacement Cost Estimator from the Insurer was not provided) - File is missing Replacement Cost Estimate or proof of extended to coverage amounts; Coverage shortfall of $1,129,123.00. - Due Diligence Vendor-xxxxxx |  | Resolved--Hazard dec page reflects replacement cost - Due Diligence Vendor-xxxxxx <br>Resolved-The Replacement Cost Estimator from the Insurer was provided or the Coverage Amount - Hazard Insurance is equal to or greater than the Required Coverage Amount. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 22 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781316 | xxxxxx C B A | Closed | xxxxxx | 2022-11-14 14:39 | 2022-11-21 09:43 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-- Title provided reflecting vesting that matches note and mortgage. - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue Final Title vesting as xxxxxx does not match Note and Mortgage. - Due Diligence Vendor-xxxxxx |  | Resolved-- Title provided reflecting vesting that matches note and mortgage. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 22 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781316 | xxxxxx C B A | Closed | xxxxxx | 2022-11-16 13:31 | 2022-11-16 16:34 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open-OFAC Check Not Completed and/or Cleared - All persons involved in loan transactions are subject to OFAC search.<br> - OFAC only run for borrower - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 22 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781318 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 16:26 | 2022-12-02 11:13 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk reviewed which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk reviewed which supports appraised value - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 34.38% is 45.62% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 759 is 209 points higher than required 550 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781318 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 16:47 | 2022-11-18 16:47 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All persons involved in loan transactions are subject to OFAC search.<br> - OFAC only run for borrowers. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All persons involved in loan transactions are subject to OFAC search.<br> - OFAC only run for borrowers<br> Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 34.38% is 45.62% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 759 is 209 points higher than required 550 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781319 | xxxxxx D B A | Closed | xxxxxx | 2022-11-18 15:41 | 2022-12-02 14:31 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx<br> Resolved--HOA questionnaire not required - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - File contain master insurance policy. Appraisal reflect total number of xxxxxx. Provide complete HOA questionnaire with pending litigation status. - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved--HOA questionnaire not required - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 36 exceed minimum required 0.<br>LTV is less than guideline maximum - - LTV 68.69% is less than guideline maximum 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 777 is at least 20 points above minimum for program 600. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781319 | xxxxxx D B A | Closed | xxxxxx | 2022-11-18 18:07 | 2022-12-02 11:15 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open---LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 36 exceed minimum required 0.<br>LTV is less than guideline maximum - - LTV 68.69% is less than guideline maximum 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 777 is at least 20 points above minimum for program 600. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781319 | xxxxxx D B A | Closed | xxxxxx | 2022-11-18 17:36 | 2023-02-01 14:19 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Resolved--Received business bank statement to verify large deposits into personal account. - Due Diligence Vendor-xxxxxx <br> Counter--Received documentation regarding some of the large deposits. Discrepancy in audit calculation vs originator is the following deposits not included in audit calc: xxxxxx $50,000, xxxxxx $10,000 and xxxxxx $26,000. However, per guidelines, other large deposits from xxxxxx may be included if one month business bank statement is provided to verify business income that is being transfer to personal accounts. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Qualifying income $11,959.25 based on total deposits minus unsourced /transferred deposits to personal account with xxxxxx. Per guideline transfers into accounts are not used in determining ATR unless can be explained, sourced and verified. Guides require an explanation letter describing the occurrence and to be sourced by remittance of one business bank statement. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Received business bank statement to verify large deposits into personal account. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 36 exceed minimum required 0.<br>LTV is less than guideline maximum - - LTV 68.69% is less than guideline maximum 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 777 is at least 20 points above minimum for program 600. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781319 | xxxxxx D B A | Closed | xxxxxx | 2022-11-18 17:55 | 2022-12-20 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Received business bank statement to verify large deposits into personal account. - Due Diligence Vendor-xxxxxx <br> Counter--Received documentation regarding some of the large deposits. Discrepancy in audit calculation vs originator is the following deposits not included in audit calc:xxxxxx $50,000, xxxxxx $10,000 and xxxxxx $26,000. However, per guidelines, other large deposits from xxxxxx may be included if one month business bank statement is provided to verify business income that is being transfer to personal accounts. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 64.35% exceeds Guideline DTI of 55% - DTI 64.27% based on qualifying income $11959.25. Lender qualifying income $15710, higher as include un-sourced large /transferred deposit from other business accounts and personal accounts. <br> - Guideline does not allow large, random and infrequent deposits unless a clear explanation is provided, verified and commensurate with borrower's business. <br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received business bank statement to verify large deposits into personal account. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 36 exceed minimum required 0.<br>LTV is less than guideline maximum - - LTV 68.69% is less than guideline maximum 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 777 is at least 20 points above minimum for program 600. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781319 | xxxxxx D B A | Closed | xxxxxx | 2022-11-18 18:11 | 2022-11-23 12:41 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-- Application date xxxxxx. File contains incorrect form type/ legacy. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 36 exceed minimum required 0.<br>LTV is less than guideline maximum - - LTV 68.69% is less than guideline maximum 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 777 is at least 20 points above minimum for program 600. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781319 | xxxxxx D B A | Closed | xxxxxx | 2022-11-18 17:13 | 2022-11-22 16:53 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared --File contain OFAC run for Borrower and Co-Borrower. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared --File contain OFAC run for Borrower and Co-Borrower. Therefore not considered non-material . Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 36 exceed minimum required 0.<br>LTV is less than guideline maximum - - LTV 68.69% is less than guideline maximum 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 777 is at least 20 points above minimum for program 600. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781319 | xxxxxx D B A | Closed | xxxxxx | 2022-11-18 18:31 | 2022-12-05 14:19 | Resolved | 1 - Information C A | Compliance | Disclosure | Insufficient Evidence of Tangible Net Benefit to Borrower | Resolved--Received competency doc - Due Diligence Vendor-xxxxxx <br>Open-- 1003 reflect both borrowers above xxxxxx in age. Guideline require for Borrower xxxxxx or older, must exhibit clear tangible benefit to this loan. Provide documentation to meet guideline requirement or additional conditions may apply. - Due Diligence Vendor-xxxxxx |  | Resolved--Received competency doc - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 36 exceed minimum required 0.<br>LTV is less than guideline maximum - - LTV 68.69% is less than guideline maximum 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 777 is at least 20 points above minimum for program 600. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781319 | xxxxxx D B A | Closed | xxxxxx | 2022-11-15 14:57 | 2022-11-30 15:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved--Rate Lock not required - Due Diligence Vendor-xxxxxx <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-xxxxxx <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-xxxxxx |  | Resolved--Rate Lock not required - Due Diligence Vendor-xxxxxx <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 36 exceed minimum required 0.<br>LTV is less than guideline maximum - - LTV 68.69% is less than guideline maximum 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 777 is at least 20 points above minimum for program 600. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781319 | xxxxxx D B A | Closed | xxxxxx | 2022-11-15 14:57 | 2022-11-15 14:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 36 exceed minimum required 0.<br>LTV is less than guideline maximum - - LTV 68.69% is less than guideline maximum 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 777 is at least 20 points above minimum for program 600. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781321 | xxxxxx C B A | Closed | xxxxxx | 2022-11-19 20:19 | 2022-12-05 17:10 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open-LCA/CU score 2.5 or less or a desk review is required - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 80 months reserves from cash-out proceeds.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 42 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781321 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 17:00 | 2022-11-19 20:15 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--xxxxxx; Incident Period: xxxxxx and continuing; Emergency Declaration declared on xxxxxx. Public Assistance for subject county. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--xxxxxx; Incident Period: xxxxxx and continuing; Emergency Declaration declared on xxxxxx. Public Assistance for subject county. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 80 months reserves from cash-out proceeds.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 42 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781321 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 16:43 | 2022-11-19 20:08 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC required for all parties to transaction; OFAC for Borrower-only in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC required for all parties to transaction; OFAC for Borrower-only in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 80 months reserves from cash-out proceeds.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 42 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781323 | xxxxxx C B A | Closed | xxxxxx | 2022-11-20 12:30 | 2022-12-02 11:44 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 59.98% is 20.02% lower than maximum 80%<br>DSCR % greater than 1.20 - - DSCR % is 1.54<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 785 is 210 points higher than required 575 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781323 | xxxxxx C B A | Closed | xxxxxx | 2022-11-20 12:51 | 2022-12-05 12:29 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Received updated HOI dec page with reflects an effective date 30 days after closing xxxxxx, Closing date is xxxxxx. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Material HUD settlement statement disbursement date xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DSCR > 1.3 / Compensating Factor 3 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 59.98% is 20.02% lower than maximum 80%<br>DSCR % greater than 1.20 - - DSCR % is 1.54<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 785 is 210 points higher than required 575 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781323 | xxxxxx C B A | Closed | xxxxxx | 2022-11-20 12:51 | 2022-11-30 15:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved--Received RCE - Due Diligence Vendor-xxxxxx <br> Resolved-The Replacement Cost Estimator from the Insurer was provided or the Coverage Amount - Hazard Insurance is equal to or greater than the Required Coverage Amount. - Due Diligence Vendor-xxxxxx <br> Open-Coverage Amount - Hazard Insurance is less than the Required Coverage Amount (A Replacement Cost Estimator from the Insurer was not provided) - Coverage A Dwelling $xxxxxx + B Other structures $xxxxxx is less than note amount of xxxxxx . - Due Diligence Vendor-xxxxxx |  | Resolved--Received RCE - Due Diligence Vendor-xxxxxx <br>Resolved-The Replacement Cost Estimator from the Insurer was provided or the Coverage Amount - Hazard Insurance is equal to or greater than the Required Coverage Amount. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 59.98% is 20.02% lower than maximum 80%<br>DSCR % greater than 1.20 - - DSCR % is 1.54<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 785 is 210 points higher than required 575 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781323 | xxxxxx C B A | Closed | xxxxxx | 2022-11-20 13:01 | 2022-11-20 13:01 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All persons involved in loan transactions are subject to OFAC search.<br> - OFAC only run for borrower. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - All persons involved in loan transactions are subject to OFAC search.<br> - OFAC only run for borrower<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 59.98% is 20.02% lower than maximum 80%<br>DSCR % greater than 1.20 - - DSCR % is 1.54<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 785 is 210 points higher than required 575 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781326 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-15 08:20 | 2022-11-28 11:56 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open--Missing CU/LCA score of 2.5 or less or Desk Review - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 27 months reserves with no reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781326 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-15 10:21 | 2022-11-15 10:38 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-- FEMA disaster declared xxxxxx in xxxxxx. Note date xxxxxx, appraisal date xxxxxx. Non-material due to Public Assistance available. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-- FEMA disaster declared xxxxxx in xxxxxx Note date xxxxxx, appraisal date xxxxxx. Non-material due to Public Assistance available.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 27 months reserves with no reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781326 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-15 08:42 | 2022-11-21 14:55 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved--Updated hazard coverage provided showing coverage of $xxxxxx and premium of $xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-Coverage Amount - Hazard Insurance is less than the Required Coverage Amount (A Replacement Cost Estimator from the Insurer was not provided) - Loan amount xxxxxx with Hazard dwelling coverage of $xxxxxx . - Due Diligence Vendor-xxxxxx |  | Resolved--Updated hazard coverage provided showing coverage of $xxxxxx and premium of $xxxxxx . - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 27 months reserves with no reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781326 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-15 08:42 | 2022-11-21 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Open-Missing Flood Certificate - Due Diligence Vendor-xxxxxx |  |  | Months Reserves exceed minimum required - - Verified 27 months reserves with no reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781326 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-15 08:58 | 2022-11-16 17:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived--Waiver applied to non-material finding - OFAC Check Not Completed and/or Cleared - No proof of parties involved in transaction checked against OFAC. - OFAC addressed for borrower - Due Diligence Vendor-xxxxxx |  | Waived--Waiver applied to non-material finding - OFAC Check Not Completed and/or Cleared - No proof of parties involved in transaction checked against OFAC. - OFAC addressed for borrower - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 27 months reserves with no reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781327 | xxxxxx C B A | Closed | xxxxxx | 2022-11-21 14:14 | 2022-12-02 11:51 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open--LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 723 is at least 20 points above minimum for program 650.<br>Months Reserves exceed minimum required - - Months Reserves 6 exceed minimum required 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781327 | xxxxxx C B A | Closed | xxxxxx | 2022-11-21 14:31 | 2022-11-21 17:09 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--Waiver applied to non-materila finding - FEMA disaster declaration xxxxxx (Public), declaration date xxxxxx, no individual assistance reflective in decleration. After the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. - Due Diligence Vendor-xxxxxx |  | Waived--Waiver applied to non-materila finding - FEMA disaster declaration xxxxxx (Public), declaration date xxxxxx, no individual assistance reflective in decleration. After the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 723 is at least 20 points above minimum for program 650.<br>Months Reserves exceed minimum required - - Months Reserves 6 exceed minimum required 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781327 | xxxxxx C B A | Closed | xxxxxx | 2022-11-21 14:29 | 2022-12-06 16:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Client response: Subject loan was an Arms-length transaction, with no red flags, and with valid purchase contract that involved sellers and buyers real estate agents in the sale Further, the appraiser confirmed on the appraisal report the transaction to be an Arms-length transaction. When subject property is vested in an entity on a purchase transaction, we do not require any entity documents for the sellers entity. Please find attached complete 24 months chain of title as requested <br> -(AUDIT RESPONSE) Agree, no red flags noted - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Ready for Review- - Buyer-xxxxxx<br>Open-Property Title Issue - Provide LLC documentation for Seller - Current title holder xxxxxx supporting Arms length transaction.<br> - Provide complete 24 month chain of title. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: Subject loan was an Arms-length transaction, with no red flags, and with valid purchase contract that involved sellers and buyers real estate agents in the sale Further, the appraiser confirmed on the appraisal report the transaction to be an Arms-length transaction. When subject property is vested in an entity on a purchase transaction, we do not require any entity documents for the sellers entity. Please find attached complete 24 months chain of title as requested <br> -(AUDIT RESPONSE) Agree, no red flags noted - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 723 is at least 20 points above minimum for program 650.<br>Months Reserves exceed minimum required - - Months Reserves 6 exceed minimum required 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781327 | xxxxxx C B A | Closed | xxxxxx | 2022-11-21 13:56 | 2022-11-21 17:07 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Waivere applied to non-material finding - File contain OFAC run for Borrower. Therefore not considered non-material. - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Waivere applied to non-material finding - File contain OFAC run for Borrower. Therefore not considered non-material. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 723 is at least 20 points above minimum for program 650.<br>Months Reserves exceed minimum required - - Months Reserves 6 exceed minimum required 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781328 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-21 18:49 | 2022-12-02 11:52 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open--Missing acceptable desk review or LCA/CU score of <=2.5 - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI of 37% below max allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 718 exceeds minimum 680 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781328 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-21 18:01 | 2022-12-01 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Client response: xxxxxx does not require LOE for credit inquiries on any loans - please clear<br> -(AUDIT REPONSE) Agreed, guidelines do not require - Due Diligence Vendor-xxxxxx <br> Open--Missing LOE for the following inquiries: xxxxxx xxxxxx xxxxxx xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: xxxxxx does not require LOE for credit inquiries on any loans - please clear<br> -(AUDIT REPONSE) Agreed, guidelines do not require - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI of 37% below max allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 718 exceeds minimum 680 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781328 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-21 15:50 | 2022-11-23 12:27 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-The Final 1003 is Incomplete Legacy final 1003 used in loan with application date of xxxxxx. xxxxxx 1003 required - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI of 37% below max allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 718 exceeds minimum 680 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781328 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-21 18:02 | 2022-11-22 12:18 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC only checked for borrower, missing for all other applicable involved parties. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC only checked for borrower, missing for all other applicable involved parties.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI of 37% below max allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 718 exceeds minimum 680 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781330 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 13:07 | 2022-12-05 17:15 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open--Missing either desk review from an approved vendor or CU/LCA with score <=2.5 to support appraisal value of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -10 months reserves exceeds no reserves requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 714 exceeds required 575. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 781330 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 14:25 | 2022-11-22 13:55 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC check required for all parties on the transaction however only borrower . Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC check required for all parties on the transaction however only borrower . Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -10 months reserves exceeds no reserves requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 714 exceeds required 575. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 781331 | xxxxxx D B A | Closed | xxxxxx | 2022-11-21 16:21 | 2022-12-13 10:40 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved- - Due Diligence Vendor-xxxxxx <br>Counter--Client response: We do not require HOA Questionnaire- please clear<br> -(AUDIT RESPONSE) Agreed, HOA questionnaire is not required however, evidence that HOA is not in any current litigation is needed or Investor approval is required - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - to support current litigation status. - Due Diligence Vendor-xxxxxx |  |  | Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 697 is at least 20 points above minimum for program 600 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781331 | xxxxxx D B A | Closed | xxxxxx | 2022-11-21 17:10 | 2022-12-02 11:54 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open---LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 697 is at least 20 points above minimum for program 600 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781331 | xxxxxx D B A | Closed | xxxxxx | 2022-11-22 12:30 | 2022-11-23 12:28 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Legacy final 1003 used in loan with application date of xxxxxx. xxxxxx 1003 required. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 697 is at least 20 points above minimum for program 600 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781331 | xxxxxx D B A | Closed | xxxxxx | 2022-11-21 17:33 | 2022-11-22 16:53 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - File contain OFAC run for Borrower. Therefore not considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - File contain OFAC run for Borrower. Therefore not considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 697 is at least 20 points above minimum for program 600 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781331 | xxxxxx D B A | Closed | xxxxxx | 2022-11-21 16:21 | 2022-11-22 12:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 697 is at least 20 points above minimum for program 600 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781337 | xxxxxx C B A | Closed | xxxxxx | 2022-11-15 13:14 | 2022-11-28 11:59 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open--File is missing CU/LCA = 2.5 or Desk review. - Due Diligence Vendor-xxxxxx</TD |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781337 | xxxxxx C B A | Closed | xxxxxx | 2022-11-15 14:28 | 2022-11-18 15:32 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--xxxxxx; Incident Period: xxxxxx and continuing; Emergency Declaration declared on xxxxxx; Public assistance for xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--xxxxxx;<br> Incident Period: xxxxxx and continuing;<br> Emergency Declaration declared on xxxxxx;<br> Public assistance for Broward county. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781337 | xxxxxx C B A | Closed | xxxxxx | 2022-11-15 14:13 | 2022-12-01 10:17 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Received conversion chart, assets updated. Acct #xxxxxx is new therefore no prior account is available - Due Diligence Vendor-xxxxxx <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendo xxxxxx <br> Open-Asset Qualification Does Not Meet Guideline Requirements - Currency converters for accounts #xxxxxx and $8785 not provided; Final 1003 reflects full amount from xxxxxx stmt for #xxxxxx without conversion and balance prior to $80K transfer to xxxxxx . #xxxxxx provided but currency conversion not found. - Due Diligence Vendor-xxxxxx |  | Resolved--Received conversion chart, assets updated. Acct #xxxxxx is new therefore no prior account is available - Due Diligence Vendor-xxxxxx <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendo xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781337 | xxxxxx C B A | Closed | xxxxxx | 2022-11-15 13:47 | 2022-12-01 09:33 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved--Received clear OFAC for both borrowers - Due Diligence Vendor-xxxxxx<br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - OFAC required for all parties to transaction; No OFAC searches found in file. - Due Diligence Vendor-xxxxxx |  | Resolved--Received clear OFAC for both borrowers - Due Diligence Vendor-xxxxxx <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781338 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-17 17:01 | 2022-12-06 18:18 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Desk review provided that supports value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open---LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Desk review provided that supports value. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 72 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 40% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781338 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-17 17:20 | 2022-12-05 15:14 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Received updated appraisal with statement regarding land values being consistent with other homes - Due Diligence Vendor-xxxxxx <br>Open--Guideline reflect the land value cannot exceed 40% of the property value and require appraiser must state whether the land value is consistent with other homes in the area. Appraisal reflect land value xxxxxx and no comment to meet guideline requirement. - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated appraisal with statement regarding land values being consistent with other homes - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 72 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 40% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781338 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-17 17:08 | 2022-12-20 06:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received HOA statement - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Please find attached requested HOA statement for the property located at xxxxxx. - Buyer-xxxxxx <br>Counter--Received mortgage statement to confirm PITI of $1668.87 however, property is a condo and file is missing evidence of HOA payment. Finding remains - Due Diligence Vendor-xxxxxx <br>Open--Per 1003 xxxxxx is a Condo. Provide proof of monthly HOA and HOI payment if any. To meet guideline requirement of PITIA for all schedule of REO owned. - Due Diligence Vendor-xxxxxx |  | Resolved--Received HOA statement - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 72 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 40% is less than guideline maximum 70%. |  | HOA Statement-xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781338 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-17 17:18 | 2022-12-20 06:20 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received HOA statement - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Please find attached the mortgage statement for the property located at xxxxxx, which shows the payments were escrowed with a total PITI of $1,668.87. In addition, please find attached the HOA statement for the indicated property. - Buyer-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Per xxxxxx is a Condo. Provide proof of monthly HOA and HOI payment if any. To meet guideline requirement of PITIA for all schedule of REO owned. - Due Diligence Vendor-xxxxxx |  | Resolved--Received HOA statement - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Months Reserves 72 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 40% is less than guideline maximum 70%. |  | xxxxxx- Escrowed Mtg Statement.pdf<br>HOA Statement-xxxxxx (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781338 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-17 16:25 | 2022-12-05 14:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received bank statement - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - Missing march bank statement for xxxxxx account xxxxxx used for qualifying income. Audit qualified using 0 for that month and DTI is within tolerance, however, statement is still required.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received bank statement - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 72 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 40% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781338 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-17 16:30 | 2022-11-21 12:20 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - File contain OFAC run for Borrower. Therefore not considered non-material . Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - File contain OFAC run for Borrower. Therefore not considered non-material . Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 72 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 40% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781338 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-17 16:31 | 2022-12-05 15:14 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved--Client response: Borrower was living at subject property as her primary residence for long period of time, and she was already the Trustee of the subject property vesting trust The Grant Deed recorded xxxxxx between settlor of the trust and the borrower as trustee simply transferred the title to borrower as an individual Please find attached the trust document, the recorded Grant Deed, and confirmation from title regarding insurability of the Grant Deed transfer - The subject loan was closed with 40% LTV and all risk factors were diligently considered into the subject loans approval<br> -(AUDIT RESPONSE) - Agreed, borrower was already in title as a Trustee since xxxxxx . Additionally, received confirmation from Title Co that Deed is insurable - Due Diligence Vendor-xxxxxx <br> Open-Cash Out Does Not Meet Guideline Requirements - Title reflect Borrower inherited the property on xxxxxx , one week prior to the Note date of xxxxxx. Subject property primary residence ownership and less than 12 months to be evaluated on a case-by-case basis. Trust document in file does not clarify ownership percentage of heirs. Borrower is now getting 237k cash at closing and paying off the former owners mtg. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: Borrower was living at subject property as her primary residence for long period of time, and she was already the Trustee of the subject property vesting trust The Grant Deed recorded xxxxxx between settlor of the trust and the borrower as trustee simply transferred the title to borrower as an individual Please find attached the trust document, the recorded Grant Deed, and confirmation from title regarding insurability of the Grant Deed transfer - The subject loan was closed with 40% LTV and all risk factors were diligently considered into the subject loans approval<br> -(AUDIT RESPONSE) - Agreed, borrower was already in title as a Trustee since xxxxxx Additionally, received confirmation from Title Co that Deed is insurable - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 72 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 40% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781338 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 11:12 | 2022-12-20 06:15 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved--Received Initial CD dated xxxxxx - Due Diligence Vendor-xxxxxx <br> Ready for Review- - Buyer-xxxxxx<br> Counter-Document Uploaded. initial CD xxxxxx - Buyer-xxxxxx <br> Counter--Client response: Please see the initial Closing Disclosure received on xxxxxx.<br> -(AUDIT RESPONSE) - Earliest CD in file has an issue date of xxxxxx and e-signed xxxxxx Missing initial CD - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Initial CD: xxxxxx , electronically signed, is less than 6 days prior to consummation date of xxxxxx . - Due Diligence Vendor-xxxxxx |  | Resolved--Received Initial CD dated xxxxxx - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 72 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 40% is less than guideline maximum 70%. |  | xxxxxx - Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781338 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-15 10:56 | 2022-11-15 10:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Months Reserves 72 exceed minimum required 0.<br>LTV is less than guideline maximum - LTV 40% is less than guideline maximum 70%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781341 | xxxxxx C B A | Closed | xxxxxx | 2022-11-21 18:05 | 2022-12-02 12:01 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - - DSCR is 1.44<br>Months Reserves exceed minimum required - - Verified 158 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 37 points above guideline minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781341 | xxxxxx C B A | Closed | xxxxxx | 2022-11-21 17:56 | 2022-11-21 23:34 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Waiver applied to non-material finding - HOI policy effective after Note date but prior to disbursement on xxxxxx. - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - - DSCR is 1.44<br>Months Reserves exceed minimum required - - Verified 158 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 37 points above guideline minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781341 | xxxxxx C B A | Closed | xxxxxx | 2022-11-21 18:05 | 2022-11-21 23:33 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Waiver applied to non-material finding - OFAC required for all parties to transaction; file contains OFAC report for borrower only. - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Waiver applied to non-material finding - OFAC required for all parties to transaction; file contains OFAC report for borrower only. - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.20 - - DSCR is 1.44<br>Months Reserves exceed minimum required - - Verified 158 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 37 points above guideline minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781342 | xxxxxx C B A | Closed | xxxxxx | 2022-11-22 14:53 | 2022-12-05 17:22 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 118 months reserves exceed required 0 months.<br>LTV is less than guideline maximum - LTV of 75% is less than guideline maximum of 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 713 exceeds guideline minimum of 550. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781342 | xxxxxx C B A | Closed | xxxxxx | 2022-11-15 16:57 | 2022-12-06 17:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived--Investor waiver applied to exception request. - Due Diligence Vendor-xxxxxx <br> Open-The request for an exception to xxxxxx eligibility criteria is granted. Buyer-xxxxxx <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $100000 - exception requested and approved by the lender. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to exception request. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 118 months reserves exceed required 0 months.<br>LTV is less than guideline maximum - LTV of 75% is less than guideline maximum of 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 713 exceeds guideline minimum of 550. | -DSCR over or at 1.00<br> - LTV 5% less than Maximum 80%<br> - No mortgage lates last 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781342 | xxxxxx C B A | Closed | xxxxxx | 2022-11-15 15:36 | 2022-11-22 14:56 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non-material due to final settlement statement disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 118 months reserves exceed required 0 months.<br>LTV is less than guideline maximum - LTV of 75% is less than guideline maximum of 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 713 exceeds guideline minimum of 550. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781513 | xxxxxx D A | Closed | xxxxxx | 2022-12-08 16:08 | 2022-12-12 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received HOA docs verifying $284 HOA dues monthly - Due Diligence Vendor-xxxxxx <br>Open-- Missing HOA cost for xxxxxx. (Audit found HOA estimate of $284 in Google search). Material due to DTI 49.11% - Due Diligence Vendor-xxxxxx |  | Resolved--Received HOA docs verifying $284 HOA dues monthly - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 22 months reserves are 16 months greater than required 6 months<br>LTV is less than guideline maximum - - LTV 70% is 10% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 785 is 185 points higher than required 600 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781535 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-13 16:45 | 2022-12-19 11:27 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--received CDA which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open-<br> - Missing desk review from acceptable vendor to support subject value of xxxxxx. LCA and CU scores provided in file both exceed 2.5 and cannot be used to support value.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--received CDA which supports appraised value - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -10.88 months of reserves exceeds the six month requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 736 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781535 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-13 17:34 | 2022-12-20 11:29 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved--Supportive documentation provided to show businesses are one in the same (DBA) and self employed for 2 years - Due Diligence Vendor-xxxxxx <br> Counter--Client response: xxxxxx, is the same business. Per the Fraud Guard report, its been in existence for 3yrs<br> -(AUDIT RESPONSE) - Provide DBA filing with xxxxxx Secretary of State. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Missing evidence that xxxxxx has been in existence at least two years. CPA letter provided does not indicate this information and the Secretary of State printout provided shows Articles were filed xxxxxx which is short of the two year requirement. - Due Diligence Vendor-xxxxxx |  | Resolved--Supportive documentation provided to show businesses are one in the same (DBA) and self employed for 2 years - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -10.88 months of reserves exceeds the six month requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 736 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781535 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-13 16:18 | 2022-12-19 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - Borrower Certification of Business Purpose missing. - Due Diligence Vendor-xxxxxx |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -10.88 months of reserves exceeds the six month requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 736 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781535 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-13 16:51 | 2022-12-14 12:32 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan closed on xxxxxx however Final CD shows loan disbursement date of xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan closed on xxxxxx however Final CD shows loan disbursement date of xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -10.88 months of reserves exceeds the six month requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 736 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781535 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-13 17:50 | 2022-12-14 12:30 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Missing gap credit report dated no more than 10 days prior to loan closing or any time after closing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing Missing gap credit report dated no more than 10 days prior to loan closing or any time after closing. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -10.88 months of reserves exceeds the six month requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 736 exceeds required 660. | 32% DTI with 4 mos additional reserves deemed non material |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781537 | xxxxxx D A C | Closed | xxxxxx | 2022-12-15 20:35 | 2022-12-23 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved--Received verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-xxxxxx <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - verbal VOE dated no more than 10 calendar days prior to Note date. - Due Diligence Vendor-xxxxxx |  | Resolved--Received verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 75% is 10% lower than maximum 85%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 743 is 83 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781537 | xxxxxx D A C | Closed | xxxxxx | 2022-12-15 20:35 | 2022-12-23 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing -24 months for xxxxxx #8996 - Due Diligence Vendor-xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 10% lower than maximum 85%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 743 is 83 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781537 | xxxxxx D A C | Closed | xxxxxx | 2022-12-14 15:06 | 2022-12-21 17:36 | Resolved | 1 - Information C A | Compliance | TRID | CD: Liability After Foreclosure Not Complete | Resolved--Received PCCD with correction - Due Diligence Vendor-xxxxxx <br>Open-CD: Liability After Foreclosure Not Complete - Final CD xxxxxx, Other Disclosures, Liability after Foreclosure is missing selection.<br> - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved--Received PCCD with correction - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 75% is 10% lower than maximum 85%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 743 is 83 points higher than required 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781542 | xxxxxx B A | Closed | xxxxxx | 2022-12-12 10:04 | 2022-12-14 13:23 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing DTI 26%, 793 fico. Deemed non material - Due Diligence Vendor-xxxxxx |  | Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 26% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 798 is at least 20 points above minimum for program 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781542 | xxxxxx B A | Closed | xxxxxx | 2022-12-12 09:22 | 2022-12-12 15:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 26% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 798 is at least 20 points above minimum for program 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781542 | xxxxxx B A | Closed | xxxxxx | 2022-12-12 12:43 | 2022-12-12 15:43 | Waived | 2 - Non-Material B | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Waived-Third Party Fraud Report Partially Provided - OFAC/ GSA/LDP not checked for Seller. Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx |  | Waived-Third Party Fraud Report Partially Provided - OFAC/ GSA/LDP not checked for Seller. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI 26% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 798 is at least 20 points above minimum for program 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781550 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-19 14:39 | 2023-01-19 15:03 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | Resolved--Appraisal supports photos of ADU and xxxxxx units which match sketch. xxxxxx per appraiser, tenant did not want photographed. - Due Diligence Vendor-xxxxxx <br>Counter--Client response: posting the updated appraisal, appraiser made comments ensuring all units available to him were photographed and accounted for in the report. We are reaching out to AMC to see if we can get labels right now, if needed. <br> -(AUDIT RESPONSE) - Received appraisal update with appraiser commentary stating he walked all units and xxxxxx tenant asked appraiser not to take photos. Finding remains - Due Diligence Vendor-xxxxxx <br>Open--Guideline require photos of subject interior. Per Appraisal verbiage indicate xxxxxx tenant requested not to take interior pictures. Subject property xxxxxx Pictures provided are not labelled. Appraiser to provide complete pictures of all units with label. To support guideline requirement of photos and reflecting property condition. - Due Diligence Vendor-xxxxxx |  | Resolved--Appraisal supports photos of ADU and xxxxxx which match sketch. xxxxxx, per appraiser, tenant did not want photographed. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 779 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 11 exceed minimum required 6. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 781550 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-19 14:41 | 2023-01-05 12:46 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Received appraiser license - Due Diligence Vendor-xxxxxx <br>Open--Guideline require Appraiser qualification to be in file. This was not part of the Appraisal report dated xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received appraiser license - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 779 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 11 exceed minimum required 6. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 781550 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-19 16:56 | 2022-12-28 14:31 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Guidelines allow the lower value of the BPO to be utilized for this property. - Due Diligence Vendor-xxxxxx <br> Open-- Lender qualifying LTV 33.52% based on appraised value xxxxxx as per appraisal in file. However, BPO in file reflect market price xxxxxx variance of 18%. Exceed guideline 10% tolerance , hence field review or second appraisal is required. If BPO value of xxxxxx used for qualifying, LTV will be 41%. - Due Diligence Vendor-xxxxxx |  | Resolved-Guidelines allow the lower value of the BPO to be utilized for this property. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 779 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 11 exceed minimum required 6. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 781550 | xxxxxx D B C A | Closed | xxxxxx | 2023-01-19 15:04 | 2023-01-19 15:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Investor Waiver: exception granted to xxxxxx guidelines. - Due Diligence Vendor-xxxxxx <br> Open--Guidelines require all units be photographed. Appraiser confirms tenant will not allow appraiser to take photos of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: exception granted to xxxxxx guidelines with the following comp factors; FICO 30+ above minimum and Reserves in excess of 10 months. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 779 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 11 exceed minimum required 6. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 781550 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-19 15:44 | 2022-12-29 11:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Client response: Title shows mortgage of $xxxxxxk with xxxxxx on xxxxxx recorded xxxxxx . 1st payment would be xxxxxx . Account activity shows Balance Forward $xxxxxxk 1st payment due xxxxxx made on xxxxxx . Payment history from xxxxxx - xxxxxx due xxxxxx . Given app takenxxxxxx , payoff good through xxxxxx , and docs signed on xxxxxx there would not be anymore payment history. Attaching a property report that will validate mortgage history. <br> -(AUDIT RESPONSE) - Property transaction history report confirms - Due Diligence Vendor-xxxxxx<br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Per title Borrower own subject property since xxxxxx and mortgage through xxxxxx Statement in file reflect Mortgage history from xxxxxx till xxxxxx. Mtg is not listed on the credit bureau. Does not meet guideline requirement of 0x30x24. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: Title shows mortgage of $xxxxxx k with xxxxxx on xxxxxx recorded xxxxxx . 1st payment would be xxxxxx . Account activity shows Balance Forward $xxxxxx k 1st payment duexxxxxx made on xxxxxx . Payment history from xxxxxx - xxxxxx due xxxxxx . Given app taken xxxxxx , payoff good through xxxxxx and docs signed on xxxxxx there would not be anymore payment history. Attaching a property report that will validate mortgage history. <br> -(AUDIT RESPONSE) - Property transaction history report confirms - Due Diligence Vendor-xxxxxx <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 779 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 11 exceed minimum required 6. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 781553 | xxxxxx B A | Closed | xxxxxx | 2022-12-12 11:14 | 2022-12-16 07:43 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Credit refresh within 10 days of closing not provided. 37 DTI . 714 Fico. Considered non material - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 34 points above 680 minimum for FTHB.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below 43% max for Living Rent-free borrower. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781553 | xxxxxx B A | Closed | xxxxxx | 2022-12-12 06:53 | 2022-12-12 07:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 34 points above 680 minimum for FTHB.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 5% below 43% max for Living Rent-free borrower. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781577 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 11:21 | 2022-12-08 13:39 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open--Missing either acceptable desk review or LCA/CU with score <=2.5 to support appraised value of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 80% less than the 90% allowed.<br>Months Reserves exceed minimum required - - Reserves 17.92 months exceed no reserves requirement. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781577 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 09:36 | 2022-12-08 13:39 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved--Client response: xxxxxx does not require HOA Questionnaire on any of our loans<br> -(AUDIT RESPONSE) - Agreed, guidelines do not require - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Missing condo Questionnaire to ensure information on appraisal is accurate and meets guidelines. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: xxxxxx does not require HOA Questionnaire on any of our loans<br> -(AUDIT RESPONSE) - Agreed, guidelines do not require - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 80% less than the 90% allowed.<br>Months Reserves exceed minimum required - - Reserves 17.92 months exceed no reserves requirement. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781577 | xxxxxx D B A | Closed | xxxxxx | 2022-11-30 11:41 | 2023-02-01 14:22 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Received SSI award letter and bank statement - Due Diligence Vendor-xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors - Lender did not provide evidence to support social security income of $4,423.88/month.<br> - Lender did not provide a credit report - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br> Resolved--Received SSI award letter and bank statement - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 80% less than the 90% allowed.<br>Months Reserves exceed minimum required - - Reserves 17.92 months exceed no reserves requirement. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781577 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 10:33 | 2022-12-12 17:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Award Letter Missing - Missing social security award letter and bank statement showing deposited to support $4,423.88/month. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 80% less than the 90% allowed.<br>Months Reserves exceed minimum required - - Reserves 17.92 months exceed no reserves requirement. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781577 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 10:39 | 2022-12-12 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Credit Report is Missing. - Missing credit report dated within 45 days of funding. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 80% less than the 90% allowed.<br>Months Reserves exceed minimum required - - Reserves 17.92 months exceed no reserves requirement. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781577 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 10:44 | 2022-12-12 10:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC received, however it is for borrower only. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Counter--Received OFAC for borrower. Per guidelines, all persons involved in loan transactions with xxxxxx are subject to a search on the OFAC government monitoring watchlist. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all applicable parties involved in the transaction. - Due Diligence Vendor-xxxxxx |  | Waived-OFAC received, however it is for borrower only. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 80% less than the 90% allowed.<br>Months Reserves exceed minimum required - - Reserves 17.92 months exceed no reserves requirement. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781577 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 11:24 | 2022-12-02 14:49 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Final 1003 is on incorrect form, application must be on xxxxxx form - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 80% less than the 90% allowed.<br>Months Reserves exceed minimum required - - Reserves 17.92 months exceed no reserves requirement. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781577 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 09:36 | 2022-11-30 12:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 80% less than the 90% allowed.<br>Months Reserves exceed minimum required - - Reserves 17.92 months exceed no reserves requirement. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781578 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 13:16 | 2022-12-08 13:41 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open--Missing desk review from an acceptable vendor or CU/LCA with score of <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -27 months reserves exceeds the no reserves required.<br>LTV is less than guideline maximum - -70% LTV less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781578 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 12:54 | 2022-12-15 15:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC received for all borrowers. Missing for all other parties. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>Counter--Client response: No OFAC clearance is required on this loan, due to the fact that both borrowers are xxxxxx, and OFAC sections on both borrowers' credit reports are clear as well. OFAC clearance is required only for borrowers who are considered to be foreign national<br> -(AUDIT RESPONSE) - Guidelines require OFAC for all borrower and all parties tot he transaction regardless of citizenship. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - OFAC check only provided for xxxxxx. Missing for xxxxxx and All persons involved in loan transactions. (All borrowers must clear OFAC check) - Due Diligence Vendor-xxxxxx |  | Waived-OFAC received for all borrowers. Missing for all other parties. Investor waiver applied to non-material finding - Due Diligence Vendor - xxxxxx<br>| Months Reserves exceed minimum required - -27 months reserves exceeds the no reserves required.<br>LTV is less than guideline maximum - -70% LTV less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781578 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 12:52 | 2022-12-01 15:26 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 4 Credit Report is Missing | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Waived-Borrower 4 Credit Report is Missing. - Missing credit report and 1003 for xxxxxx, they are a borrower since they signed the note. - Due Diligence Vendor-xxxxxx <br> - Deemed non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Waived-Borrower 4 Credit Report is Missing. - Missing credit report and 1003 for xxxxxx, they are a borrower since they signed the note.<br> - Deemed non-material as Only 9% owner in xxxxxx, LLC, signed LLC Borrowing Cert/Loan Agreement and not required to sign Note or Guaranty.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -27 months reserves exceeds the no reserves required.<br>LTV is less than guideline maximum - -70% LTV less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781578 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 12:52 | 2022-12-01 12:54 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 3 Credit Report is Missing | Waived-Borrower 3 Credit Report is Missing. - Missing credit report and 1003 for xxxxxx, they are a borrower since they signed the note. - Deemed non-material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 3 Credit Report is Missing. - Missing credit report and 1003 for xxxxxx, they are a borrower since they signed the note. <br> - Deemed non-material as Only 9% owner in xxxxxx, LLC, signed LLC Borrowing Cert/Loan Agreement and not required to sign Note or Guaranty.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -27 months reserves exceeds the no reserves required.<br>LTV is less than guideline maximum - -70% LTV less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781578 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 12:31 | 2022-12-01 12:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -27 months reserves exceeds the no reserves required.<br>LTV is less than guideline maximum - -70% LTV less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781580 | xxxxxx C B A | Closed | xxxxxx | 2022-12-01 15:06 | 2022-12-08 13:43 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 762 exceeds minimum required 600.<br>LTV is less than guideline maximum - - LTV 38% less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781580 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 17:55 | 2022-12-01 15:01 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC check performed for borrower however all other applicable parties to the transaction are missing.<br> - OFAC run for borrower(s) – Deemed non-material - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC check performed for borrower however all other applicable parties to the transaction are missing.<br> - OFAC run for borrower(s) – Deemed non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 762 exceeds minimum required 600.<br>LTV is less than guideline maximum - - LTV 38% less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781582 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 14:22 | 2022-12-07 14:35 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which support appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open--LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which support appraised value - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 716 is at least 20 points above minimum for program 600.<br>Months Reserves exceed minimum required - - Months Reserves 67 exceed minimum required 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781582 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 15:12 | 2022-12-01 13:46 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived--FEMA disaster declaration xxxxxx (Public), declaration date xxxxxx . After the Note date xxxxxx, After Appraisal date xxxxxx. County in Public Assistance available Area.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--FEMA disaster declaration xxxxxx (Public), declaration date xxxxxx . After the Note date xxxxxx, After Appraisal date xxxxxx. County in Public Assistance available Area.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 716 is at least 20 points above minimum for program 600.<br>Months Reserves exceed minimum required - - Months Reserves 67 exceed minimum required 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781582 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 13:04 | 2022-12-08 12:03 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved--Received full purchase agreement with addendums - Due Diligence Vendor-xxxxxx <br>Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor- xxxxxx <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. - Provide complete purchase contract with all addendums. File contain only Addendum 1 dated xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received full purchase agreement with addendums - Due Diligence Vendor-xxxxxx <br>Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 716 is at least 20 points above minimum for program 600.<br>Months Reserves exceed minimum required - - Months Reserves 67 exceed minimum required 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781582 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 15:04 | 2022-12-01 14:43 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Guideline require all persons involved in loan transaction with xxxxxx are subject to a search on the OFAC government monitoring watch list. File contain - OFAC run for borrower(s) – Deemed non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Guideline require all persons involved in loan transaction with xxxxxx are subject to a search on the OFAC government monitoring watch list. File contain - OFAC run for borrower(s) – Deemed non-material<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 716 is at least 20 points above minimum for program 600.<br>Months Reserves exceed minimum required - - Months Reserves 67 exceed minimum required 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781582 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 13:04 | 2022-12-01 13:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding<br>- Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 716 is at least 20 points above minimum for program 600.<br>Months Reserves exceed minimum required - - Months Reserves 67 exceed minimum required 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781584 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-01 09:21 | 2022-12-07 14:29 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Desk review received which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Desk review received which supports appraised value - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 70% is 5% lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781584 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-01 09:55 | 2022-12-01 09:55 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-xxxxxx, xxxxxx in Public Assistance available Area. Appraisal dated xxxxxx, Note Date xxxxxx. Storm xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-xxxxxx, xxxxxx in Public Assistance available Area. Appraisal dated xxxxxx, Note Date xxxxxx. Storm xxxxxx.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 70% is 5% lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781584 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-21 11:24 | 2022-12-07 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved--Received borrower passport - Due Diligence Vendor-xxxxxx<br>Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-xxxxxx <br>Open-Borrower Citizenship Documentation Is Missing - Borrower is a Foreign National - Evidence of xxxxxx residency [Valid Pass Port] required. - Due Diligence Vendor-xxxxxx |  | Resolved--Received borrower passport - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 70% is 5% lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781585 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 13:04 | 2022-12-08 13:46 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx<br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 91 months reserves exceed required 0 months.<br>LTV is less than guideline maximum - - LTV 69.94% is 5.06% lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781585 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 12:22 | 2022-12-08 13:46 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved--Client response: xxxxxx does not require HOA Questionnaire on any of our loans. HOA Cert was included in the file<br> -(AUDIT RESPONSE) Agreed, this is not required per guidelines - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved--Client response: xxxxxx does not require HOA Questionnaire on any of our loans. HOA Cert was included in the file<br> -(AUDIT RESPONSE) Agreed, this is not required per guidelines - Due Diligence Vendor-xxxxxx<br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 91 months reserves exceed required 0 months.<br>LTV is less than guideline maximum - - LTV 69.94% is 5.06% lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781585 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 12:57 | 2022-11-29 12:58 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--xxxxxx, xxxxxx in Public Assistance available Area. Appraisal date xxxxxx with Note date of xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--xxxxxx, xxxxxx in Public Assistance available Area. Appraisal date xxxxxx with Note date of xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 91 months reserves exceed required 0 months.<br>LTV is less than guideline maximum - - LTV 69.94% is 5.06% lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781586 | xxxxxx C B A | Closed | xxxxxx | 2022-11-29 13:31 | 2022-12-07 14:37 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 753 is 153 points higher than required 600 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781586 | xxxxxx C B A | Closed | xxxxxx | 2022-11-29 15:49 | 2022-11-29 15:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is 5% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 753 is 153 points higher than required 600 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781587 | xxxxxx C A | Closed | xxxxxx | 2022-11-29 18:55 | 2022-12-07 14:40 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 697 is 47 points higher than required 650 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 16:15 | 2022-12-08 13:54 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open--LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 14:22 | 2022-12-08 13:53 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved--Client response: xxxxxx does not require HOA Questionnaire on any loans. <br> -(AUDIT RESPONSE) Agreed, this is not required per guidelines - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - HOA questionnaire to address pending litigation if any. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: xxxxxx does not require HOA Questionnaire on any loans. <br> -(AUDIT RESPONSE) Agreed, this is not required per guidelines - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 16:18 | 2022-11-30 17:31 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--FEMA disaster declaration xxxxxx (Public), declaration date xxxxxx . After the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. Pubic. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--FEMA disaster declaration xxxxxx (Public), declaration date xxxxxx . After the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. Pubic. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 16:05 | 2022-12-08 13:14 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Client response: Page 2 of the statement under distribution by asset class shows the asset classification as cta, which stands for commodity trade advisor asset classification, which is a type investment account to trade futures Based on indicated facts, the account is an investment/ cash account Also, the statement clearly shows overview in xxxxxx that proves the transactions are in xxxxxx - <br> Also, based on the fact that subject loan contained sufficient funds to close, if borrower wired the funds from another bank at closing, no statement from wiring bank/ in this case xxxxxx would be required<br> -(AUDIT RESPONSE) - Agreed, file contains sufficient funds for closing that have been sourced. - Due Diligence Vendor-xxxxxx <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor - xxxxxx<br> Open-Asset Qualification Does Not Meet Guideline Requirements - File contain xxxxxx account statement but does not identify type of account. Both original and translated document does not identify type of account and account balance in currency of the country of origin/ account set up. Additional conditions may apply if 401K or IRA account. Funds appear to be withdrawal and deposited.<br> - Also, file contains wire for funds to close in the amount $285,895.57 from xxxxxx. However, no statement provided to support transfer or ownership of funds. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: Page 2 of the statement under distribution by asset class shows the asset classification as xxxxxx, which stands for xxxxxx asset classification, which is a type investment account to trade futures Based on indicated facts, the account is an investment/ cash account Also, the statement clearly shows overview in xxxxxx that proves the transactions are in xxxxxx - <br> Also, based on the fact that subject loan contained sufficient funds to close, if borrower wired the funds from another bank at closing, no statement from wiring bank/ in this case xxxxxx would be required<br> -(AUDIT RESPONSE) - Agreed, file contains sufficient funds for closing that have been sourced. - Due Diligence Vendor xxxxxx <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor- xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 14:03 | 2022-12-08 12:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Client response: Subject loan was an Arms-length transaction, with no red flags, and with valid purchase contract that involved sellers and buyers real estate agents in the sale Further, the appraiser confirmed on the appraisal report the transaction to be an Arms-length transaction. When subject property is vested in an entity on a purchase transaction, xxxxxx does not require any entity documents for the sellers entity<br> -(AUDIT RESPONSE) Agreed, file to does contain any red flags regarding non-arms length transaction - Due Diligence Vendor-xxxxxx<br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue - Provide LLC documentation for Seller - Current title holder xxxxxx. supporting Arms length transaction. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: Subject loan was an Arms-length transaction, with no red flags, and with valid purchase contract that involved sellers and buyers real estate agents in the sale Further, the appraiser confirmed on the appraisal report the transaction to be an Arms-length transaction. When subject property is vested in an entity on a purchase transaction, xxxxxx does not require any entity documents for the sellers entity<br> -(AUDIT RESPONSE) Agreed, file to does contain any red flags regarding non-arms length transaction - Due Diligence Vendor- xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-30 17:30 | 2022-12-06 18:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Received ACH authorization - Due Diligence Vendor-xxxxxx <br>Open--form in file is not for this borrower - Due Diligence Vendor-xxxxxx <br>Open--Guideline require a fully complete and executed ACH form. The Bank account that the ACH will draw from must be in borrowers name and must be a xxxxxx account. - Due Diligence Vendor-xxxxxx |  | Resolved--Received ACH authorization - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 13:57 | 2022-12-01 15:42 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Waived-Investment purchase- Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-xxxxxx |  | Waived-Investment purchase- Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 14:22 | 2022-11-30 17:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-30 15:16 | 2022-11-30 17:27 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Guideline require all persons involved in loan transaction are subject to a search on the OFAC government monitoring watch list. File contain OFAC only for Borrower. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Guideline require all persons involved in loan transaction are subject to a search on the OFAC government monitoring watch list. File contain OFAC only for Borrower. Therefore not considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor - xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781591 | xxxxxx D B A | Closed | xxxxxx | 2022-11-29 16:05 | 2022-11-30 17:24 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - xxxxxx account statement dated from xxxxxx till xxxxxx , reflect previous balance $63866.30. However does not meet guideline requirement of 60 days sourced and seasoned funds. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified xxxxxx account statement dated from xxxxxx till 1xxxxxx , reflect previous balance $63866.30. However does not meet guideline requirement of 60 days sourced and seasoned funds.I nvestor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 and minimum required 575<br>Months Reserves exceed minimum required - -14+ months reserves and 0 required<br>LTV is less than guideline maximum - - LTV of 60% is below maximum of 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781593 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 11:26 | 2022-12-07 14:44 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open- - LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 156 exceed minimum required 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 787 is at least 20 points above minimum for program. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781593 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 11:00 | 2022-12-14 15:28 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Client response: Please find attached the 24 months chain of title. Please be advised no survey and/ or T-47 was required on this refinance transaction, since per the indicated same schedule B requirement, it would only be applicable in case of issuance of short form policy, which is not the case on subject loan - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue - Provide 24 month chain of title. Also, provide a Survey or completed T-47 to meet title requirement as listed on Sch B. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: Please find attached the 24 months chain of title. Please be advised no survey and/ or T-47 was required on this refinance transaction, since per the indicated same schedule B requirement, it would only be applicable in case of issuance of short form policy, which is not the case on subject loan - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 156 exceed minimum required 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 787 is at least 20 points above minimum for program. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781593 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 12:11 | 2022-12-14 15:23 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved--Received evidence of xxxxxx - Due Diligence Vendor-xxxxxx <br>Open--Subject loan cash out refinance in the state of xxxxxx. 1003 reflects borrower owns primary residence in xxxxxx and lives at xxxxxx and another property at xxxxxx Does not meet cash out guideline requirement as no proof in file to support if borrower owns other property in xxxxxx with a xxxxxx filed on the other property. - Due Diligence Vendor-xxxxxx |  | Resolved--Received evidence of xxxxxx - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 156 exceed minimum required 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 787 is at least 20 points above minimum for program. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781593 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 15:14 | 2022-12-01 08:59 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Guideline require all persons involved in loan transaction with xxxxxx are subject to a search on the OFAC government monitoring watch list. File contain OFAC only for Borrowers. Therefore not considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - Guideline require all persons involved in loan transaction with xxxxxx are subject to a search on the OFAC government monitoring watch list. File contain OFAC only for Borrowers. Therefore not considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 156 exceed minimum required 0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 787 is at least 20 points above minimum for program. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781594 | xxxxxx C B A | Closed | xxxxxx | 2022-12-01 13:35 | 2022-12-08 13:59 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Desk Review received that supports value. - Due Diligence Vendor-xxxxxx <br>Open--Desk Review ordered and pending receipt. - Due Diligence Vendor-xxxxxx <br>Open--Acceptable desk review or LCA/CU score of <=2.5 required to support appraised value of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Desk Review received that supports value. - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - - DSCR 1.56% is >1.20%<br>LTV is less than guideline maximum - - LTV of 27% less than allowed 75% LTV. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781594 | xxxxxx C B A | Closed | xxxxxx | 2022-12-01 14:27 | 2022-12-01 17:01 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-xxxxxx, xxxxxx in Public Assistance available Area. Appraisal dated xxxxxx, Note Date xxxxxx. Storm xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-xxxxxx, xxxxxx in Public Assistance available Area. Appraisal dated xxxxxx, Note Date xxxxxx. xxxxxx xxxxxx.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.20 - - DSCR 1.56% is >1.20%<br>LTV is less than guideline maximum - - LTV of 27% less than allowed 75% LTV. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781598 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-12 15:22 | 2022-12-21 18:10 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received CDA which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open-- Missing desk review as LCA score >=2.5 at 4. <br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received CDA which supports appraised value - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 23.76% below maximum of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -$12,494.05 residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781598 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-09 18:18 | 2023-01-31 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 13.75 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-xxxxxx <br>Resolved--Borrower and spouse are owners of business, supporting documentation provided along with 100% access letter for assets. - Due Diligence Vendor-xxxxxx <br>Resolved-Audited Reserves of 13.75 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-xxxxxx <br>Open-Audited Reserves of 8.85 month(s) are less than Guideline Required Reserves of 12 month(s) Required reserves $34,524.60, reserves available $25,459.52. - Due Diligence Vendor-xxxxxx |  | Resolved-Audited Reserves of 13.75 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-xxxxxx <br>Resolved--Borrower and spouse are owners of business, supporting documentation provided along with 100% access letter for assets. - Due Diligence Vendor-xxxxxx <br>Resolved-Audited Reserves of 13.75 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 23.76% below maximum of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -$12,494.05 residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781598 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-15 07:58 | 2022-12-15 17:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI of 23.76% below maximum of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -$12,494.05 residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781598 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-09 17:03 | 2022-12-15 17:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Material as final CD disbursement date xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 23.76% below maximum of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -$12,494.05 residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781598 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-09 17:59 | 2022-12-15 08:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Open-Missing Third Party Fraud Report - Missing Third Party Fraud Report from an acceptable vendor.<br> - All 3rd parties were not checked with Exclusionary/OFAC Lists, - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 23.76% below maximum of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -$12,494.05 residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781598 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-09 17:55 | 2022-12-15 08:00 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing gap credit report dated no more than 10 days prior to loan closing or any time after closing.<br> - Deemed non material due to DTI of 24% with allowable 50% - Due Diligence Vendor-xxxxxx |  | Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 23.76% below maximum of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -$12,494.05 residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781598 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-09 16:57 | 2022-12-12 15:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI of 23.76% below maximum of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -$12,494.05 residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781598 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-09 07:25 | 2022-12-14 21:07 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved--Received initial CD - Due Diligence Vendor-xxxxxx <br>Open--Missing initial CD<br> Statute of Limitations - Three years - Due Diligence Vendor-xxxxxx |  | Resolved--Received initial CD - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI of 23.76% below maximum of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -$12,494.05 residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781600 | xxxxxx D A | Closed | xxxxxx | 2022-12-14 09:53 | 2022-12-20 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved--Upon further review, document not required on DSCR loan - Due Diligence Vendor-xxxxxx<br>Open--Vesting form in file reflect Borrower an unmarried man (Divorce, final filed). Provide copy of the Divorce decree. - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review, document not required on DSCR loan - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 65 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781600 | xxxxxx D A | Closed | xxxxxx | 2022-12-14 10:21 | 2022-12-19 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Open-HO-6 Insurance Policy is Missing - Provide HO-6 coverage for replacement of such items as xxxxxx, any improvements made to the unit and to meet any Master policy deductibles. - Due Diligence Vendor-xxxxxx |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 65 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781600 | xxxxxx D A | Closed | xxxxxx | 2022-12-14 10:21 | 2022-12-19 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Open-Missing HO-6 Master Insurance Policy - Provide complete Master Insurance policy to meet coverage and guideline requirement.<br> - Policy to include Fidelity insurance coverage equaling at least sum of three months of assessments on all units in the project is required. - Due Diligence Vendor-xxxxxx |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 65 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781612 | xxxxxx C B A | Closed | xxxxxx | 2022-12-07 15:47 | 2022-12-08 17:32 | Waived | 2 - Non-Material C B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--Investor waiver applied to non-material finding - Tropical storm after appraisal only has Public declarations noted, non-material. - Due Diligence Vendor xxxxxx <br>Open--Public FEMA disaster declared xxxxxx prior to note date of xxxxxx but after appraisal date of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - xxxxxx after appraisal only has Public declarations noted, non-material. - Due Diligence Vendor- xxxxxx<br>| LTV is less than guideline maximum - - LTV of 50% less than the 75% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 700 exceeds minimum required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781612 | xxxxxx C B A | Closed | xxxxxx | 2022-12-07 15:11 | 2022-12-21 10:54 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open--Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 50% less than the 75% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 700 exceeds minimum required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781612 | xxxxxx C B A | Closed | xxxxxx | 2022-12-07 15:11 | 2022-12-21 10:54 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx <br>Waived-Borrower 2 Gap Credit Report is Missing - Investor waiver applied to non-material finding - Deemed non-material with DTI of 41.12% - Missing gap report dated no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Waived-Borrower 2 Gap Credit Report is Missing - Investor waiver applied to non-material finding - Deemed non-material with DTI of 41.12% - Missing gap report dated no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV of 50% less than the 75% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 700 exceeds minimum required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781612 | xxxxxx C B A | Closed | xxxxxx | 2022-12-07 13:36 | 2022-12-20 12:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved- - Due Diligence Vendor-xxxxxx |  |  | LTV is less than guideline maximum - - LTV of 50% less than the 75% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 700 exceeds minimum required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781614 | xxxxxx B A | Closed | xxxxxx | 2022-12-13 14:56 | 2022-12-13 14:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 695 is less than Guideline FICO of 720 - Credit score of 720 is required to waive escrows. Exception requested and approved by investor. - Due Diligence Vendor-xxxxxx |  | Waived-Audited FICO of 695 is less than Guideline FICO of 720 - Credit score of 720 is required to waive escrows. Exception requested and approved by investor.<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Reserves 94.73 months exceeds two month requirement. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781614 | xxxxxx B A | Closed | xxxxxx | 2022-12-13 11:07 | 2022-12-13 14:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Rural properties are ineligible, subject appears to be on xxxxxx. Exception requested and approved by investor. - Due Diligence Vendor-xxxxxx |  | Waived--Rural properties are ineligible, subject appears to be on xxxxxx. Exception requested and approved by investor. - Due Diligence Vendor - xxxxxx<br>| Months Reserves exceed minimum required - - Reserves 94.73 months exceeds two month requirement. | -Current primary home ownership > 10 years<br> - Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781633 | xxxxxx D A C | Closed | xxxxxx | 2022-12-03 17:47 | 2022-12-14 11:18 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received CDA which supports appraised value - Due Diligence Vendor-xxxxxx <br>Open--LCA dated xxxxxx reflect score 3.5 exceed guideline requirement. Desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Received CDA which supports appraised value - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is less than guideline maximum 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 781 is at least 20 points above minimum for program 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781633 | xxxxxx D A C | Closed | xxxxxx | 2022-12-03 19:19 | 2023-01-31 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Received lease agreements, bank statements and LOE - Due Diligence Vendor-xxxxxx <br> Resolved-Audited DTI of 45.8% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 83.15% exceeds Guideline DTI of 50% - DTI 83.15% = Subject PITIA loss $657.42+ PR PITIA $4003.70+ Other REO loss $2987.+ Other debt $85/ Income $9300. DTI variance as 1003 reflect for REO xxxxxx , positive rental income $3013. No documentation in file to support income. Also, for subject property income $32.42. However based on rent $2500 \*75% - PITIA $2532.42= loss $657.42. - Due Diligence Vendor-xxxxxx |  | Resolved--Received lease agreements, bank statements and LOE - Due Diligence Vendor-xxxxxx <br>Resolved-Audited DTI of 45.8% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is less than guideline maximum 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 781 is at least 20 points above minimum for program 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781633 | xxxxxx D A C | Closed | xxxxxx | 2022-12-03 19:01 | 2023-01-31 10:41 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received lease agreements, bank statements and LOE - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - REO xxxxxx, positive rental income $3013 per 1003 Missing documentation in file to support income. - Due Diligence Vendor-xxxxxx |  | Resolved--Received lease agreements, bank statements and LOE - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 75% is less than guideline maximum 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 781 is at least 20 points above minimum for program 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781633 | xxxxxx D A C | Closed | xxxxxx | 2022-12-03 18:25 | 2022-12-09 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Bottom of report shows run dates of xxxxxx. - Due Diligence Vendor-xxxxxx <br> Counter--Received Undisclosed Debt Notification report dated xxxxxx which is not within 10 days of Note date xxxxxx. Finding remains - Due Diligence Vendor-xxxxxx<br> Open-Borrower 1 Gap Credit Report is Missing - File contain CR dated 10/11/2022 and updated mortgage report dated xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Bottom of report shows run dates of xxxxxx and xxxxxx. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 75% is less than guideline maximum 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 781 is at least 20 points above minimum for program 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781678 | xxxxxx D A C | Closed | xxxxxx | 2023-01-04 11:23 | 2023-01-09 07:05 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Received acceptable documentation to support xxxxxx unit count - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-HOA questionnaire identifies xxxxxx units with xxxxxx investor-owned, and appraisal notes xxxxxx units with xxxxxx rented. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received acceptable documentation to support xxxxxx unit count - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 52.29% LTV is less than 70% maximum. |  | Validated xxxxxx units.pdf<br>UW Cert xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781678 | xxxxxx D A C | Closed | xxxxxx | 2023-01-04 12:10 | 2023-01-09 07:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx<br>Counter--CPA letter in insufficient as it does not verify the business is open and operating at a minimum of 5 days prior to closing. Finding remains - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing verification of the existence of the business within 5 calendar days of closing. Internet profile provided is dated xxxxxx and note date xxxxxx. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 52.29% LTV is less than 70% maximum. |  | MISC_(137).pdf<br>xxxxxx lofts site.pdf<br>VOE Mansfield.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781678 | xxxxxx D A C | Closed | xxxxxx | 2023-01-04 12:10 | 2023-01-09 07:04 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Resolved--Investor guidelines allow for P&L and Tax Preparer - Due Diligence Vendor-xxxxxx <br> Ready for Review-Investor guides were met - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Per xxxxxx the investor xxxxxx allows per their guidelines both the P&L and Tax Preparer - Seller-xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines Loan was closed under the Non Agency xxxxxx program. . Loan was submitted as a P & L Loan. <br> The following is required: <br> -2 mos business bank statements- file only contains personal<br> - File contains a tax preparer letter and P & L, however, guides required Proof that a CPA , not a tax preparer , has prepared the most recent year tax returns for the borrower and that they reviewed the business financial statements and certify that the P&L represents an accurate summary of the business cash flow<br> and applicable cash expenses.<br> - CPA prepared P&L and CPA letter must be signed and dated within 60 days of closing (digital or electronic signatures are not allowed).<br> - CPA License must be independently verified - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Per xxxxxx the investor xxxxxx allows per their guidelines both the P&L and Tax Preparer - Seller-xxxxxx | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br>Resolved--Investor guidelines allow for P&L and Tax Preparer - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 52.29% LTV is less than 70% maximum. |  | xxxxxx P&L.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781678 | xxxxxx D A C | Closed | xxxxxx | 2023-01-04 16:41 | 2023-01-06 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved--Meets Investor guidelines - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Per xxxxxx - Allowable per Investorxxxxxx uidelines. - Seller-xxxxxx <br> Open-Loan was closed under the Non Agency Advantage program. Matrix does not reflect use of P & L for the Non Agency advantage program. Guidelines allow alt doc docs - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Per xxxxxx - Allowable per Investor xxxxxx guidelines. - Seller-xxxxxx | Resolved--Meets Investor guidelines - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 52.29% LTV is less than 70% maximum. |  | xxxxxx P&L.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781678 | xxxxxx D A C | Closed | xxxxxx | 2023-01-04 13:04 | 2023-01-06 10:27 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved--Subject loan is cash out and meets al requirements - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Loan was approved as cash out refi- borrower paid taxes, addtl debt and received addtl cash out. - Seller-xxxxxx <br>Open-Cash Out Does Not Meet Guideline Requirements - According to the guidelines, a debt consolidation refinance transaction involves the repayment of existing liens and additional consumer debt. Consumer-debt being consolidation is paid directly through closing and referenced on the Closing Statement. Two mortgages and eight consumer debts were paid on the CD. A requirement of the debt consolidation in the guides states that after debt is paid off, the Cash to the borrower must be lesser of $2,000 or 2% of new mortgage balance On this loan the Cash to borrower is $15,879.57 and therefore exceeds guideline requirement f balance. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Loan was approved as cash out refi- borrower paid taxes, addtl debt and received addtl cash out. - Seller-xxxxxx | Resolved--Subject loan is cash out and meets al requirements - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 52.29% LTV is less than 70% maximum. |  | loan was approved as cash out refinance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781678 | xxxxxx D A C | Closed | xxxxxx | 2023-01-04 13:25 | 2023-01-06 10:14 | Resolved | 1 - Information B A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved- - Due Diligence Vendor-xxxxxx <br>Ready for Review-Loan was approved as cash out refi which allows 50% DTI - Seller-xxxxxx <br>Open-Audited DTI of 49.34% exceeds Guideline DTI of 45% - Matrix allows to 50% DTI, however, guidelines state that any debt consolidation loan must meet a Max DTI for of 45%. Two mortgages and eight consumer debts paid at closing. Audit DTI is 49.34%. Lender is 48.81. Investor guides allow to 50% - Due Diligence Vendor-xxxxxx | Ready for Review-Loan was approved as cash out refi which allows 50% DTI - Seller-xxxxxx<br>|  | LTV is less than guideline maximum - 52.29% LTV is less than 70% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 781694 | xxxxxx D A | Closed | xxxxxx | 2022-12-05 13:51 | 2022-12-08 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved--Received Master Condo Ins - Due Diligence Vendor-xxxxxx <br>Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Open-Missing HO-6 Master Insurance Policy - Master HOA/Condo policy missing. - Due Diligence Vendor-xxxxxx |  | Resolved--Received Master Condo Ins - Due Diligence Vendor-xxxxxx<br>Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 49 points above minimum required.<br>Months Reserves exceed minimum required - - Total verified reserves at 13.72 months; only 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781694 | xxxxxx D A | Closed | xxxxxx | 2022-12-05 14:48 | 2022-12-07 11:31 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received fully executed lease agreement - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Missing lease agreement for other REO xxxxxx to verify net rental income used to qualify. - Due Diligence Vendor-xxxxxx |  | Resolved--Received fully executed lease agreement - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 49 points above minimum required.<br>Months Reserves exceed minimum required - - Total verified reserves at 13.72 months; only 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781694 | xxxxxx D A | Closed | xxxxxx | 2022-12-05 14:46 | 2022-12-07 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved--Received fully executed lease greement - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Lease Agreements Missing - Missing current lease for xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received fully executed lease greement - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 49 points above minimum required.<br>Months Reserves exceed minimum required - - Total verified reserves at 13.72 months; only 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781694 | xxxxxx D A | Closed | xxxxxx | 2022-12-05 14:31 | 2022-12-07 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved--Received updated Fraud report - Due Diligence Vendor-xxxxxx <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-xxxxxx <br>Open-All Interested Parties Not Checked with Exclusionary Lists Loan Origination Co. (Broker-xxxxxx) was not included in Watch List findings. - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated Fraud report - Due Diligence Vendor-xxxxxx <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 49 points above minimum required.<br>Months Reserves exceed minimum required - - Total verified reserves at 13.72 months; only 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781766 | xxxxxx D B A | Closed | xxxxxx | 2022-12-10 10:17 | 2022-12-16 06:30 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report. Deemed non-material due to DTI 39% with allowable 49.99% - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 757 exceeds required 700.<br>Qualifying DTI below maximum allowed - - DTI 39% below 49.99% allowed. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781766 | xxxxxx D B A | Closed | xxxxxx | 2022-12-10 10:12 | 2022-12-16 06:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved--Received verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing VVOE dated within 10 days of note date of xxxxxx rom xxxxxx for xxxxxx. A written VOE was provided however it is dated xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received verbal VOE - Due Diligence Vendor-xxxxxx<br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 757 exceeds required 700.<br>Qualifying DTI below maximum allowed - - DTI 39% below 49.99% allowed. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781766 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 11:23 | 2022-12-16 06:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-xxxxxx <br>Open-Borrower Citizenship Documentation Is Missing - Missing copy of un-expired permanent resident card for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 757 exceeds required 700.<br>Qualifying DTI below maximum allowed - - DTI 39% below 49.99% allowed. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781766 | xxxxxx D B A | Closed | xxxxxx | 2022-12-10 10:02 | 2022-12-12 14:27 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx on final CD.Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx on final CD.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 757 exceeds required 700.<br>Qualifying DTI below maximum allowed - - DTI 39% below 49.99% allowed. |  |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781792 | xxxxxx D A C | Closed | xxxxxx | 2022-12-12 13:30 | 2022-12-14 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved--Received bank statement worksheet - Due Diligence Vendor-xxxxxx <br>Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing lender's bank statement worksheet for xxxxxx, twelve months bank statements used. 1008 provided shows income used of $49,843. - Due Diligence Vendor-xxxxxx |  | Resolved--Received bank statement worksheet - Due Diligence Vendor-xxxxxx<br> Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI of 19.07% less than max allowed of 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781792 | xxxxxx D A C | Closed | xxxxxx | 2022-12-09 16:56 | 2022-12-19 12:35 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved--Received LOE from Lender stating the Lender Credit on 12/02/22 for $6527.67 (same as Mortgage Broker Fee) was a system glitch and not a true Lender Credit. - Due Diligence Vendor-xxxxxx<br> Counter--Received LOE from Originator stating there is no Lender Credit on this loan but does have a discount fee. When initial CD was issued out they forgot to remove the Lender Credit. Initial CD was issued and acknowledged by borrower with the Lender Credit disclosed and then removed from Final CD without a valid reason or COC<br> \*\*\*This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))<br> The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,527.67). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.<br> An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).<br> - Finding remains - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the lender credits that cannot decrease test. Initial CD issued xxxxxx included Lender Credit of $6,537.67 for increase in closing cost above legal limit. Final CD issued xxxxxx did not include a lender credit. Please provide a valid change of circumstance documenting the change in Lender Credits. Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved--Received LOE from Lender stating the Lender Credit on xxxxxx for $6527.67 (same as Mortgage Broker Fee) was a system glitch and not a true Lender Credit. - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI of 19.07% less than max allowed of 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781898 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 10:36 | 2022-12-14 21:32 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Partially Provided | Resolved--Received corrected appraisal - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. - Condo questionnaire states the project is professionally managed and xxxxxx units are currently rented with zero owner occupied units. This differs from the appraisal which states the developer is currently managing the HOA with no units are rented and all xxxxxx units are owner occupied. Provide clarification for differences. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected appraisal - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 767 exceeds required 660.<br>LTV is less than guideline maximum - -60% LTV is less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781898 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 11:37 | 2023-02-01 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Resolved--Upon further review, this is not required - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing proof of self-employment for "xxxxxx" and "xxxxxx" businesses dated within 30 days of closing.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx <br>Resolved--Upon further review, this is not required - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 767 exceeds required 660.<br>LTV is less than guideline maximum - -60% LTV is less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781898 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 12:33 | 2022-12-15 16:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Subject property market rent $2050x.75-PITIA $2232.39 = -$694.87 offset applied - Due Diligence Vendor-xxxxxx <br>Counter--Client response: Per UW: xxxxxx guidelines states that if the borrower has a two-year history of receiving guaranteed payments to the partner from a partnership or an LLC, these payments can be added to the borrowers cash flow. These guaranteed payments are on borrowers xxxxxx 2020 and 2021 K1s. -(AUDIT RESPONSE) -2020 and 2021 K1 Guaranteed payments are for the other partner and not subject Borrower therefore, income cannot be included. Finding remains - Due Diligence Vendor-xxxxxx <br>Counter--Received 1008 and income worksheet already in file and reviewed. Self Employment income is $11,302.17. Rental Income: xxxxxx ($686), xxxxxx $408, xxxxxx ($2232.39). Consumer debt is $648. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-Audited DTI of 50.54% exceeds Guideline DTI of 50% - Audit income lower than lender results in DTI that exceeds guideline max of 50%. Seller included guaranteed payments for 1065 but these are not reporting on K-1's and also added gross income for S-corp in as non recurring income which resulted in a higher figure. - Due Diligence Vendor-xxxxxx |  | Resolved--Subject property market rent $2050x.75-PITIA $2232.39 = -$694.87 offset applied - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 767 exceeds required 660.<br>LTV is less than guideline maximum - -60% LTV is less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781898 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 12:02 | 2022-12-15 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing gap credit report dated no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 767 exceeds required 660.<br>LTV is less than guideline maximum - -60% LTV is less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781898 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 12:40 | 2022-12-12 15:44 | Resolved | 1 - Information B A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved--Received complete 1003 - Due Diligence Vendor-xxxxxx <br>Open-Missing full information including addresses, dates of employment and phone numbers for xxxxxx, xxxxxx and xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received complete 1003 - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 767 exceeds required 660.<br>LTV is less than guideline maximum - -60% LTV is less than the 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781898 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 12:48 | 2022-12-08 12:59 | Waived | 2 - Non-Material B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived--Non-permanent resident provided current EAD in lieu of VISA which is expired. Exception requested and approved by investor - Due Diligence Vendor-xxxxxx |  | Waived--Non-permanent resident provided current EAD in lieu of VISA which is expired. Exception requested and approved by investor - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 767 exceeds required 660.<br>LTV is less than guideline maximum - -60% LTV is less than the 80% allowed. | -LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Reserves exceed requirement by 10 months or more (No longer applicable, short funds to close)<br> - Credit Score 30+ points > minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781919 | xxxxxx C B A | Closed | xxxxxx | 2022-12-08 18:40 | 2023-01-04 13:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 85% exceeds Guideline LTV of 75% - For Rural property max allowed LTV 75%. Calculated LTV 85%. LTV Exception in file approved by the Investor. - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 75% - For Rural property max allowed LTV 75%. Calculated LTV 85%. LTV Exception in file approved by the Investor. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 754 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 8. | 1. Residual income exceeds $3,500<br> 2. Borrower has 5+ years self-employed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781919 | xxxxxx C B A | Closed | xxxxxx | 2022-12-09 10:34 | 2022-12-27 08:13 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received corrected Business Narrative - Due Diligence Vendor-xxxxxx <br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Business narrative supports 5 empl and services.? Please advise. - Seller-xxxxxx <br> Counter--Business narrative provided does not confirm 30% expense factor. Finding remains. - Due Diligence Vendor - xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Counter--Received partner letter stating #xxxxxx belongs to borrower 100% - Due Diligence Vendor-xxxxxx <br> Counter--Missing corrected Business Narrative to confirm Service Business for 30 % expense factor use. - Income recalculated #3585 30% Expense factor, 51% ownership = $7289.54; #9993 30% Expense factor, 100% ownership = $17,102.87. Recalculated DTI is 42.10% - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. UW calculated income 30% expense factor for x 9993 =$18953.72 UW calculated 30% expense factor for x3585 $22002.23 =$15401.56 then 51% of that figure. $7854.79. I will upload the corrected business narrative when I receive.(it appears additional comments did not print on form) - Seller-xxxxxx <br> Counter--Provided corrected business income worksheet for both accounts. Originator income calculations provided in original file do not match income used by originator. Originator used a 50% expense factor for both accounts, not 30%. <br> - Missing letter from business partner stating that the deposit in #xxxxxx belong 100% to borrower.<br> - Business Narrative is difficult to read as right side is cut off and some sections are not legible due to typeovers. Unable to determine if expense factor is 30% or 50% based on guidelines requirements. - Due Diligence Vendor-xxxxxx <br> Ready for Review-UW qualified loan w/ business bank statements - Business access letter in file. The requirement for all parties listed on bank statements is part of our "personal bank smt doc type" Not business bank statement loans. - Seller-xxxxxx <br> Open-ATR: The Lender did not document all ATR Factors - Missing all parties listed on each bank account must be included as borrowers on the loan per GL. DTI 89.78 using 51% of Bank statement deposits. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Business narrative supports 5 empl and services.? Please advise. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. UW calculated income 30% expense factor for x 9993 =$18953.72 UW calculated 30% expense factor for x3585 $22002.23 =$15401.56 then 51% of that figure. $7854.79. I will upload the corrected business narrative when I receive.(it appears additional comments did not print on form) - Seller-xxxxxx <br>Ready for Review-UW qualified loan w/ business bank statements - Business access letter in file. The requirement for all parties listed on bank statements is part of our "personal bank smt doc type" Not business bank statement loans. - Seller-xxxxxx<br>| Resolved--Received corrected Business Narrative - Due Diligence Vendor-xxxxxx<br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 754 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 8. |  | ACCESS LETTER.pdf<br> INCOME WORKSHEET(21).pdf<br> INCOME WORKSHEET(22).pdf<br> LOE - INCOME.pdf<br> Business Narrative xxxxxx .pdf<br> Expense Factor xxxxxx .pdf<br> business narrative 5 emply service industry.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781919 | xxxxxx C B A | Closed | xxxxxx | 2022-12-09 10:01 | 2022-12-27 08:13 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received corrected Business Narrative - Due Diligence Vendor-xxxxxx <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Business Narrative supports 5 empl, service industry- Please advise. - Seller-xxxxxx <br> Counter--Business Narrative provided does not reflect confirmation of 30% expense factor. Finding remains. - Due Diligence Vendor - xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx<br> Counter--Received partner letter stating #xxxxxx belongs to borrower 100% - Due Diligence Vendor-xxxxxx <br> Counter--Missing corrected Business Narrative to confirm Service Business for 30 % expense factor use. - Income recalculated #3585 30% Expense factor, 51% ownership = $7289.54; #xxxxxx 30% Expense factor, 100% ownership = $17,102.87. Recalculated DTI is 42.10% - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Document Uploaded. UW calculated income 30% expense factor for x 9993 =$18953.72 UW calculated 30% expense factor for x3585 $22002.23 =$15401.56 then 51% of that figure. $7854.79. I will upload the corrected business narrative when I receive.(it appears additional comments did not print on form) - Seller-xxxxxx<br> Counter--Provided corrected business income worksheet for both accounts. Originator income calculations provided in original file do not match income used by originator. Originator used a 50% expense factor for both accounts, not 30%. <br> - Missing letter from business partner stating that the deposit in #xxxxxxx belong 100% to borrower.<br> - Business Narrative is difficult to read as right side is cut off and some sections are not legible due to typeovers. Unable to determine if expense factor is 30% or 50% based on guidelines requirements. - Due Diligence Vendor-xxxxxx <br> Ready for Review-UW advised Account #xxxxxx is solely for the business income deposits of xxxxxx therefore, used 100% ownership %. $27076.75x30% expense ration -$18953.72. Account #xxxxxx used required 51% for all partners deposits. - Seller-xxxxxx<br> Open-Income and Employment Do Not Meet Guidelines - Lender qualifying income $26,808.51, based on all deposit to Business Bank account xxxxxx and xxxxxx . CPA letter reflect Borrower only 51% owner of the business "xxxxxx." Note reflects loan only in the name : xxxxxx.<br> Does not meet guideline requirement of "All parties listed on each bank account must be included as borrowers on the loan." <br> - Reviewer qualifying income $22,425.77 based on 12 months-51% deposits to Business account xxxxxx and 6 months deposits divided over 12 months for Business account xxxxxx and excluded un-sourced large deposits.<br> - Due Diligence Vendor- xxxxxx | Ready for Review-Document Uploaded. Business Narrative supports 5 empl, service industry- Please advise. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Ready for Review-Document Uploaded. Document Uploaded. UW calculated income 30% expense factor for x 9993 =$18953.72 UW calculated 30% expense factor for x3585 $22002.23 =$15401.56 then 51% of that figure. $7854.79. I will upload the corrected business narrative when I receive.(it appears additional comments did not print on form) - Seller-xxxxxx <br> Ready for Review-UW advised Account xxxxxx is solely for the business income deposits of xxxxxx therefore, used 100% ownership %. $27076.75x30% expense ration -$18953.72. Account xxxxxx used required 51% for all partners deposits. - Seller-xxxxxx | Resolved--Received corrected Business Narrative - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 754 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 8. |  | INCOME WORKSHEET(22).pdf<br> LOE - INCOME.pdf<br> INCOME WORKSHEET(21).pdf<br> ACCESS LETTER.pdf<br> Business Narrative xxxxxx .pdf<br> Expense Factor xxxxxx pdf<br> business narrative 5 emply service industry.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781919 | xxxxxx C B A | Closed | xxxxxx | 2022-12-09 13:57 | 2022-12-13 10:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Income recalculated #xxxxxx 30% Expense factor, 51% ownership = $7289.54; xxxxxx 30% Expense factor, 100% ownership = $17,102.87. Recalculated DTI is 42.10% - Due Diligence Vendor-xxxxxx <br> Resolved-Audited DTI of 42.1% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Document Uploaded. UW calculated income 30% expense factor for x 9993 =$18953.72 UW calculated 30% expense factor for x3585 $22002.23 =$15401.56 then 51% of that figure. $7854.79. I will upload the corrected business narrative when I receive.(it appears additional comments did not print on form) - Seller-xxxxxx<br> Counter--Provided corrected business income worksheet for both accounts. Originator income calculations provided in original file do not match income used by originator. Originator used a 50% expense factor for both accounts, not 30%. <br> - Missing letter from business partner stating that the deposit in #xxxxxx belong 100% to borrower.<br> - Business Narrative is difficult to read as right side is cut off and some sections are not legible due to typeovers. Unable to determine if expense factor is 30% or 50% based on guidelines requirements. - Due Diligence Vendor-xxxxxx <br> Ready for Review-UW advised Account #xxxxxx is solely for the business income deposits of xxxxxx therefore, used 100% ownership %. $27076.75x30% expense ration -$18953.72. Account #xxxxxx used required 51% for all partners deposits. - Seller-xxxxxx <br> Open-Audited DTI of 89.78% exceeds Guideline DTI of 50% - Reviewer qualifying income $22,425.77 based on 12 months-51% deposits to Business account xxxxxx and 6 months deposits divided over 12 months for Business account xxxxxx and excluded un-sourced large deposits. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Document Uploaded. UW calculated income 30% expense factor for x xxxxxx =$18953.72 UW calculated 30% expense factor for x3585 $22002.23 =$15401.56 then 51% of that figure. $7854.79. I will upload the corrected business narrative when I receive.(it appears additional comments did not print on form) - Seller-xxxxxx <br> Ready for Review-UW advised Account #xxxxxxis solely for the business income deposits of xxxxxx therefore, used 100% ownership %. $27076.75x30% expense ration -$18953.72. Account #xxxxxx used required 51% for all partners deposits. - Seller-xxxxxx | Resolved--Income recalculated #3585 30% Expense factor, 51% ownership = $7289.54; #9993 30% Expense factor, 100% ownership = $17,102.87. Recalculated DTI is 42.10% - Due Diligence Vendor-xxxxxx<br>Resolved-Audited DTI of 42.1% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 754 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 8. |  | INCOME WORKSHEET(21).pdf<br>LOE - INCOME.pdf<br>ACCESS LETTER.pdf<br>INCOME WORKSHEET(22).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781936 | xxxxxx B A | Closed | xxxxxx | 2022-12-13 09:16 | 2022-12-13 15:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 31% below guideline allowed 50%.<br>Months Reserves exceed minimum required - - Months Reserves 26 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 807 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781951 | xxxxxx C B A | Closed | xxxxxx | 2022-12-02 14:31 | 2022-12-05 16:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% - Max allowable LTV for Non-Perm Resident Alien is 80%, actual LTV is 85%. - Investor exception approval in file - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% - Max allowable LTV for Non-Perm Resident Alien is 80%, actual LTV is 85%. - Investor exception approval in file - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid qualifying FICO is 726, minimum required is 680 | -Stable Employment<br> -12 months reserves (Actual is 9.66 months reserves)<br> - Low DTI 16%/22.3% (DTI is 41%)<br> - Great credit history |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781978 | xxxxxx B A | Closed | xxxxxx | 2022-12-22 09:04 | 2023-01-05 13:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver. - Due Diligence Vendor-xxxxxx <br> Counter--Per document provided, loan was locked xxxxxx, overlays applied to all loans on or after xxxxxx per announcement dated xxxxxx. Finding remains - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. No CBSA restriction at time of lock. - Seller-xxxxxx <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% Max LTV for a cash out 3 unit property in CT is 65%. 70% for the 3 unit less the 5% for the CBSA state restriction - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. No CBSA restriction at time of lock. - Seller-xxxxxx<br>| Waived--Investor Waiver: exception granted with FICO more than 30 points above minimum, Reserves > 2 times required and DSCR ratio of 1.62. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 721 is 61 points higher than required 660<br>Months Reserves exceed minimum required - Cash out results in 5.91 months reserves with min required of 2<br>DSCR % greater than 1.20 - DSCR ratio is 1.62 |  | Loan Viewer (10).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 782011 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-21 09:56 | 2022-12-30 10:17 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received desk review that supports the value - Due Diligence Vendor-xxxxxx <br>Open-- Missing appraisal review product, desk review required as LCA score 4.5 is > 2.5. - Due Diligence Vendor-xxxxxx |  | Resolved-Received desk review that supports the value - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 790 is 90 points higher than required 700.<br>Months Reserves exceed minimum required - - Verified 61 months reserves exceed required 2 months by 59 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782011 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-21 10:24 | 2022-12-23 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved--Full FraudGuard Report provided. - Due Diligence Vendor-xxxxxx <br> Open-Missing Third Party Fraud Report - Provide Full report, file only contains xxxxxx Results and has no information to tie report to the borrower. - Due Diligence Vendor-xxxxxx |  | Resolved--Full FraudGuard Report provided. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 790 is 90 points higher than required 700.<br>Months Reserves exceed minimum required - - Verified 61 months reserves exceed required 2 months by 59 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782011 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-21 10:15 | 2022-12-21 10:15 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non-material due to Final CD disbursement xxxxxx<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 790 is 90 points higher than required 700.<br>Months Reserves exceed minimum required - - Verified 61 months reserves exceed required 2 months by 59 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782022 | xxxxxx D B A | Closed | xxxxxx | 2022-12-09 15:39 | 2023-01-05 12:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Bonus income decreased from xxxxxx , but increased from xxxxxx to YTD xxxxxx . The decline letter is unnecessary. The 1 year + YTD average is the most conservative. (See income worksheet). A YTD total is not annualized as there is 2 months left in the year for additional bonus opportunity. It is to be noted the difference is less than 10% (which is not considered declining). The earnings trend for this borrower is overall stable with long tenure in the xxxxxx.<br> -(AUDIT RESPONSE) - We are already annualizing the borrower's base salary which gives him a base of $8,607.73 month. The issue is with the Bonus income. It has declined year of year and we understand the bonus is based on how the company performs but the paystub for xxxxxx already shows the annual bonus being paid which is $10,250, which we divided by 12 = $854.16. We did not use a 3 year average of the Bonus since it's declining - Due Diligence Vendor-xxxxxx <br> Counter--Received LOE stating annual bonus is based on how well the company has done financially so bonus can vary. Bonus income has declined for the last 2 years. Audit used xxxxxx annual income which creates a DTI of 51.65% which exceeds allowable of 50%. Finding remains - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Bonus income decreased from xxxxxx , but increased from xxxxxx to YTD xxxxxx . The decline letter is unnecessary. The 1 year + YTD average is the most conservative. (See income worksheet). A YTD total is not annualized as there is 2 months left in the year for additional bonus opportunity. It is to be noted the difference is less than 10% (which is not considered declining). The earnings trend for this borrower is overall stable with long tenure in the Energy industry<br> -(AUDIT RESPONSE) - Bonus income is paid annually and has decreased each year from xxxxxx to Presentxxxxxx Paystub dated xxxxxx states Annual Bonus $10,250 which indicated this has been paid in full to the borrower. Due to high DTI, an LOE is required for for a 2 year decline in Bonus income (OR) LOE from employer stating Annual Bonus income has not yet been paid in full for year xxxxxx . Finding remains<br> - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 51.65% exceeds Guideline DTI of 50% DTI difference due to lender taking prior year plus YTD bonus average. Since bonus was decreasing audit annualized the YTD amount on most recent pay stub. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 2 months or more / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Employed at same job > 10 years<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -11 months reserves exceeds 6 month required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 775 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782022 | xxxxxx D B A | Closed | xxxxxx | 2022-12-09 14:44 | 2023-01-05 10:41 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 2 Income Trend is Decreasing | Resolved--Utilized xxxxxx bonus income only in qualifications for 51.65% DTI. - Due Diligence Vendor - xxxxxx <br> Counter--Client response: Bonus income decreased from xxxxxxx1, but increased from xxxxxxx to YTD xxxxxxx. The decline letter is unnecessary. The 1 year + YTD average is the most conservative. (See income worksheet). A YTD total is not annualized as there is 2 months left in the year for additional bonus opportunity. It is to be noted the difference is less than 10% (which is not considered declining). The earnings trend for this borrower is overall stable with long tenure in the xxxxxx<br> -(AUDIT RESPONSE) - Bonus income is paid annually and has decreased each year from xxxxxxto Present xxxxxx. Paystub dated xxxxxx states Annual Bonus $10,250 which indicated this has been paid in full to the borrower. Due to high DTI, an LOE is required for for a 2 year decline in Bonus income (OR) LOE from employer stating Annual Bonus income has not yet been paid in full for year xxxxxx. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Income 2 Income Trend is Decreasing - Missing LOE for borrower's bonus from xxxxxx decreasing annually since 2020. Bonus income being used to qualify. - Due Diligence Vendor-xxxxxx |  | Resolved--Utilized 2022 bonus income only in qualifications for 51.65% DTI. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -11 months reserves exceeds 6 month required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 775 exceeds required 660. | -Received LOE stating annual bonus is based on how well the company has done financially so bonus can vary. Bonus income has declined for the last 2 years. Audit used 2022 annual income which creates a DTI of 51.65% which exceeds allowable of 50%. Finding remains |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782022 | xxxxxx D B A | Closed | xxxxxx | 2022-12-09 13:25 | 2022-12-16 06:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved--Not required on non DSCR loans - Due Diligence Vendor-xxxxxx <br>Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - Missing disclosure, property is purchase of investment. - Due Diligence Vendor-xxxxxx |  | Resolved--Not required on non DSCR loans - Due Diligence Vendor-xxxxxx<br> Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -11 months reserves exceeds 6 month required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 775 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782022 | xxxxxx D B A | Closed | xxxxxx | 2022-12-09 15:13 | 2022-12-14 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Deposits came from HELOC, documentation provided, debt included in original file and calculated DTI - Due Diligence Vendor-xxxxxx<br> Open--The following large deposits must be sourced: xxxxxx #xxxxxx, xxxxxx $7,500, xxxxxx #xxxxxx $15,000<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Deposits came from HELOC, documentation provided, debt included in original file and calculated DTI - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -11 months reserves exceeds 6 month required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 775 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782022 | xxxxxx D B A | Closed | xxxxxx | 2022-12-09 14:59 | 2022-12-12 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing gap credit report dated no more than 10 days prior to loan closing or any time after closing. Material due to DTI 49.96% - Due Diligence Vendor-xxxxxx |  | Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -11 months reserves exceeds 6 month required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 775 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782035 | xxxxxx D B A | Closed | xxxxxx | 2022-12-29 11:54 | 2022-12-29 11:57 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Verification of Rent | Waived--Investor Waiver: for utilizing 1 month documented rental income for Unit xxxxxx when xxxxxx are required. - Due Diligence Vendor-xxxxxx <br> Open--Guidelines require 2 months evidence of receipt of rents in order to use higher rent of $1800 on xxxxxx. File contains 2 months. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: for utilizing 1 month documented rental income for Uni xxxxxx when 2 are required. - Due Diligence Vendor-xxxxxx<br>| On time mortgage history exceeds guideline requirement - - 17 months paid as agreed for subject property exceeds required 12 months . |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 782035 | xxxxxx D B A | Closed | xxxxxx | 2022-12-11 19:03 | 2022-12-19 08:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 4.5 month(s) are less than Guideline Required Reserves of 6 month(s) -2 month reserve requirement not met. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Experienced investor owns and manages 2 or more properties for 12 months / Compensating Factor 2 - ST - Credit Score higher than minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx<br>| On time mortgage history exceeds guideline requirement - - 17 months paid as agreed for subject property exceeds required 12 months . |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 782035 | xxxxxx D B A | Closed | xxxxxx | 2022-12-11 09:36 | 2022-12-16 09:43 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved--Received supporting documentation account is PIF - Due Diligence Vendo - xxxxxx <br> Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements - Proof of payoff of xxxxxx Charge-off $xxxxxx not provided. - Due Diligence Vendor-xxxxxx |  | Resolved--Received supporting documentation account is PIF - Due Diligence Vendor-xxxxxx <br>Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br>| On time mortgage history exceeds guideline requirement - - 17 months paid as agreed for subject property exceeds required 12 months . |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 782036 | xxxxxx D B A | Closed | xxxxxx | 2022-12-14 09:01 | 2022-12-19 08:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Payoff provided reflecting next due for xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements - Missing verification of xxxxxx payment on subject property. (0x30x12 required) - Due Diligence Vendor-xxxxxx |  | Resolved--Payoff provided reflecting next due for xxxxxx. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 14 months reserves; only 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782036 | xxxxxx D B A | Closed | xxxxxx | 2022-12-14 08:46 | 2022-12-19 08:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing Bank Stmt Income Worksheet; bank statements in file do not reflect a total monthly deposit summary - please provide. - Due Diligence Vendor-xxxxxx |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 14 months reserves; only 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782036 | xxxxxx D B A | Closed | xxxxxx | 2022-12-13 14:00 | 2022-12-13 14:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 14 months reserves; only 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 782046 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 13:18 | 2022-12-28 11:04 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Subject property in xxxxxx. Disbursement date xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Subject property in CA. Disbursement date xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 21 exceed minimum required 6.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 22% below maximum allowed 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 759 is at least 20 points above minimum for program 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782063 | xxxxxx C B A | Closed | xxxxxx | 2022-12-23 13:22 | 2022-12-28 13:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% - LTV 75% exceed max LTV 70 for loan program Zero and xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 731 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - - Months Reserves 18 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782099 | xxxxxx C B A | Closed | xxxxxx | 2022-12-05 13:20 | 2022-12-16 15:53 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Resolved--Received VOM verifying borrower 0x30x12. Additionally, this mortgage has a balance of $3347.15 with a monthly payment of $1731.88 - Due Diligence Vendor-xxxxxx <br> Counter--Received updated Credit report which now reflects last delinquent payment dated xxxxxx with no additional comments from Lender stating prior reporting was in error. Further confirmation and/or verification from xxxxxx verifying 0x12x30 - Due Diligence Vendor - xxxxxx<br> Open-ATR: The Lender did not document all ATR Factors --xxxxxx 1x60x12 days xxxxxx and 1x30x12 days xxxxxx. xxxxxx requires 0x30x12. xxxxxx Property profile show xxxxxx as owner, however, mortgage is reporting to credit in borrowers name only, not joint.) - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br> Resolved--Received VOM verifying borrower 0x30x12. Additionally, this mortgage has a balance of xxxxxx with a monthly payment of $1731.88 - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 13.39 months is 1.39 months greater than required 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 782099 | xxxxxx C B A | Closed | xxxxxx | 2022-12-05 13:07 | 2022-12-16 07:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received VOM verifying borrower 0x30x12. Additionally, this mortgage has a balance of $3347.15 with a monthly payment of $1731.88 - Due Diligence Vendor-xxxxxx <br>Counter--Received updated Credit report which now reflects last delinquent payment dated xxxxxx with no additional comments from Lender stating prior reporting was in error. Further confirmation and/or verification from xxxxxx verifying 0x12x30 - Due Diligence Vendor - xxxxxx<br> Open-Housing History Does Not Meet Guideline Requirements - xxxxxx 1x60x12 days xxxxxx and 1x30x12 days xxxxxx. GL requires 0x30x12. (xxxxxx Property profile show xxxxxx as owner, however, mortgage is reporting to credit in borrowers name only, not joint.) - Due Diligence Vendor-xxxxxx |  | Resolved--Received VOM verifying borrower 0x30x12. Additionally, this mortgage has a balance of $xxxxxx with a monthly payment of $1731.88 - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 13.39 months is 1.39 months greater than required 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 782099 | xxxxxx C B A | Closed | xxxxxx | 2022-12-01 14:59 | 2022-12-01 15:48 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor - xxxxxx<br>| Months Reserves exceed minimum required - - Verified 13.39 months is 1.39 months greater than required 12 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782607 | xxxxxx C A | Closed | xxxxxx | 2022-12-19 16:23 | 2022-12-29 13:23 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved--W-9 form reflects EIN #. - Due Diligence Vendor-xxxxxx <br> Counter--Seller Comments: We do not verify EIN per our GLs, tax information is not required for non income DSCR loans. <br> - Guidelines to not explicitly state EIN is not required. Finding remains pending potential investor exception for loan being held in an entity without a valid EIN Number being provided.<br> - Due Diligence Vendor-xxxxxx <br> Counter--Seller response: As per guidelines, we request Operating Agreement & Articles of Incorporation for the LLC. Both of these documents are in the file.<br> - Documentation provided does not reflect EIN # for LLC subject loan is held in, Finding remains. - Due Diligence Vendor-xxxxxx <br> Open-The Business Entity Formation Document is Missing (EIN) - Due Diligence Vendor-xxxxxx |  | Resolved--W-9 form reflects EIN #. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 193 months reserves exceed required 12 by 181 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782610 | xxxxxx B A | Closed | xxxxxx | 2022-12-23 09:29 | 2022-12-24 17:31 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Public assistance available for xxxxxx. Investor waiving applied to non material finding. - Due Diligence Vendor-xxxxxx |  | Waived-Public assistance available for xxxxxx. Investor waiving applied to non material finding. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 24.67 months reserves exceed 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782616 | xxxxxx C B A | Closed | xxxxxx | 2022-12-28 10:20 | 2022-12-29 12:39 | Resolved | 1 - Information C A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved- - Due Diligence Vendor-xxxxxx <br>Open--xxxxxx; Incident Period: xxxxxx; Major Disaster Declaration declared on xxxxxx. Individual and Public assistance for subject county.<br> - xxxxxx; Incident Period: xxxxxx; Emergency Declaration declared on xxxxxx; Public assistance for subject county.<br> - xxxxxx; Incident Period: xxxxxx; Emergency Declaration declared on xxxxxx. Public assistance for subject county.<br> - xxxxxx; Incident Period: xxxxxx; Major Disaster Declaration declared on xxxxxx. Public assistance for subject county.<br>- Due Diligence Vendor-xxxxxx |  |  | On time mortgage history exceeds guideline requirement - - Foreign National with established xxxxxx. on time consumer history since xxxxxx and on time primary mortgage payment history | -Disaster Inspection provided showing no damage. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782616 | xxxxxx C B A | Closed | xxxxxx | 2022-12-28 10:10 | 2023-01-10 11:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Borrower is not Foreign National.ID shows and guideline confirms borrower is Non-Permanent Resident Alien. We had employment Authorization card in file with Category xxxxxx(xxxxxx applicant, status pending)<br> -(AUDIT RESPONSE) - Per guidelines 13.3.1 require the EAD be supported by I-797 form. Provide I-797 form. Finding remains - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Per xxxxxx guidelines 3 months reserves are required for DSCR, it's not a Foreign National loan <br> -(AUDIT RESPONSE) - Per the guidelines page 93 Visa Types Considered Foreign National in which borrower holds a B1/B2 Visa, therefore borrower is considered a Foreign National. FN DSCR requires 12 months reserves. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 6.63 month(s) are less than Guideline Required Reserves of 12 month(s) -12 months reserves required for FN DSCR program. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required<br> - Due Diligence Vendor-xxxxxx<br>| On time mortgage history exceeds guideline requirement - - Foreign National with established U.S. on time consumer history since 7/2017 and on time primary mortgage payment history |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782616 | xxxxxx C B A | Closed | xxxxxx | 2022-12-28 10:10 | 2023-01-10 11:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Borrower is not Foreign National.ID shows and guideline confirms borrower is Non-Permanent Resident Alien. We had employment Authorization card in file with Category xxxxxx(xxxxxx applicant, status pending)<br> -(AUDIT RESPONSE) - Per guidelines 13.3.1 require the EAD be supported by I-797 form. Provide I-797 form. Finding remains - Due Diligence Vendor-xxxxxx <br> Counter--Client response: File was closed not as as Foreign National it was closed as NQM DSCR <br> -(AUDIT RESPONSE) - Per the guidelines page 93 Visa Types Considered Foreign National in which borrower holds a B1/B2 Visa, therefore borrower is considered a Foreign National. FN DSCR max LTV is 65% with a mid FICO of 667. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 75% exceeds Guideline LTV of 60% Max LTV for Foreign National Borrower from xxxxxx for Purchase transaction is 60%. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required<br> - Due Diligence Vendor-xxxxxx | On time mortgage history exceeds guideline requirement - - Foreign National with established xxxxxx. on time consumer history since xxxxxx and on time primary mortgage payment history |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782616 | xxxxxx C B A | Closed | xxxxxx | 2022-12-28 09:27 | 2022-12-28 11:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Contract extension was not provided. - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Contract extension was not provided. - Due Diligence Vendor-xxxxxx | On time mortgage history exceeds guideline requirement - - Foreign National with established xxxxxx. on time consumer history since xxxxxx and on time primary mortgage payment history |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782617 | xxxxxx D B A | Closed | xxxxxx | 2022-12-28 08:23 | 2022-12-28 13:28 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-Public assistance available for xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived-Public assistance available for xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 24.16 months reserves exceed 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 673 FICO exceeds 599 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782617 | xxxxxx D B A | Closed | xxxxxx | 2022-12-27 18:52 | 2023-01-06 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor - xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing BP and Occupancy affidavit not in file - Due Diligence Vendor-xxxxxx |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 24.16 months reserves exceed 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 673 FICO exceeds 599 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782617 | xxxxxx D B A | Closed | xxxxxx | 2022-12-28 15:12 | 2023-01-04 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx<br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-xxxxxx |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 24.16 months reserves exceed 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 673 FICO exceeds 599 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782617 | xxxxxx D B A | Closed | xxxxxx | 2022-12-27 16:29 | 2023-01-04 13:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved--Received applicable Riders to mortgage - Due Diligence Vendor-xxxxxx <br>Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-xxxxxx <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - Missing 1-4 Family rider and Condo rider - Due Diligence Vendor-xxxxxx |  | Resolved--Received applicable Riders to mortgage - Due Diligence Vendor-xxxxxx <br>Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 24.16 months reserves exceed 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 673 FICO exceeds 599 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782617 | xxxxxx D B A | Closed | xxxxxx | 2022-12-28 07:31 | 2022-12-28 12:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 24.16 months reserves exceed 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 673 FICO exceeds 599 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782619 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 16:46 | 2022-12-28 12:10 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Public assistance available for xxxxxx. Investor waiver applied to non material finding. - Due Diligence Vendor-xxxxxx |  | Waived-Public assistance available for xxxxxx. Investor waiver applied to non material finding. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 24.55 months reserves when 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782619 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 17:04 | 2023-01-10 14:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Guidelines require that projects are 100% complete. Per appraisal, xxxxxx units are complete. HOA cert differs, Need verification that all projects are 100% complete. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 24.55 months reserves when 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782619 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 17:30 | 2023-01-10 14:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Unable to determine if xxxxxx Finance VOM covers 24 months for primary residence located at xxxxxx. VOM notes number of times delinquent in past 12 months as 0, however the amount - 24 mos is required - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 24.55 months reserves when 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782620 | xxxxxx D B A | Closed | xxxxxx | 2022-12-23 10:23 | 2022-12-26 17:24 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--The following public assistance FEMA disasters occurred in xxxxxx: xxxxxx declared xxxxxx, disaster xxxxxx declared xxxxxx and disaster xxxxxx declared xxxxxx. Appraisal dated xxxxxx and note dated xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived--The following public assistance FEMA disasters occurred in xxxxxx declared xxxxxx, disaster xxxxxx declared xxxxxx and disaster xxxxxx declared xxxxxx. Appraisal dated xxxxxx and note dated xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Reserves of 39 months exceeds the required three months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782620 | xxxxxx D B A | Closed | xxxxxx | 2022-12-26 17:35 | 2022-12-29 14:27 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Missing EIN - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - ST - LTV below maximum allowed under applicable guidelines<br> - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Reserves of 39 months exceeds the required three months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782620 | xxxxxx D B A | Closed | xxxxxx | 2022-12-23 09:31 | 2022-12-26 17:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Reserves of 39 months exceeds the required three months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782625 | xxxxxx B A | Closed | xxxxxx | 2022-12-20 13:02 | 2022-12-20 16:20 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived--xxxxxx; Incident Period: xxxxxx; Emergency Declaration declared on xxxxxx; Public assistance for subject county<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived--xxxxxx; Incident Period: xxxxxx; Emergency Declaration declared on xxxxxx; Public assistance for subject county<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 30+ months reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782625 | xxxxxx B A | Closed | xxxxxx | 2022-12-20 09:03 | 2022-12-20 16:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Additional extension not provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Additional extension not provided. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified additional 30+ months reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782628 | xxxxxx B A | Closed | xxxxxx | 2022-12-27 16:20 | 2022-12-27 21:15 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--Public assistance FEMA disaster declared on xxxxxx after note date of xxxxxx and appraisal date of xxxxxx. Investor waiver applied to non material finding. - Due Diligence Vendor-xxxxxx |  | Waived--Public assistance FEMA disaster declared on xxxxxx after note date of xxxxxx and appraisal date of xxxxxx. Investor waiver applied to non material finding. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - -70% LTV less than the 75% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782632 | xxxxxx D A | Closed | xxxxxx | 2022-12-27 12:13 | 2023-01-17 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved--Received EIN document which states borrower is sole member of business - Due Diligence Vendor-xxxxxx <br>Counter--Client response: Per attached document - EIN - xxxxxx confirms xxxxxx is Sole owner.<br> -(AUDIT RESPONSE)-_Received W9 which does not provide % of ownership. Provide Operating Agreement for xxxxxx. Finding remains - Due Diligence Vendor-xxxxxx <br>Open--Missing operating agreement for xxxxxx. If borrower is not 100% owner then additional conditions may apply. - Due Diligence Vendor-xxxxxx |  | Resolved--Received EIN document which states borrower is sole member of business - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO 697 exceeds 660 required.<br>Months Reserves exceed minimum required - -92.41 months reserves exceeds required 3 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782637 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-28 13:44 | 2023-02-01 17:54 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--BPO provided that does not support value within 10%. Variance of 13.01% based on BPO value of xxxxxx. Value for LTV based on BPO value. - Due Diligence Vendor-xxxxxx <br>Open--Missing acceptable AVM or Desk Review to support the appraised value of xxxxxx. LCA score is 4.5. - Due Diligence Vendor-xxxxxx |  | Resolved--BPO provided that does not support value within 10%. Variance of 13.01% based on BPO value of xxxxxx. Value for LTV based on BPO value. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 676 exceeds allowable 599 score.<br>Months Reserves exceed minimum required - - Reserves of 52.85 months exceeds the 3 month requirement. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 782637 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-28 14:37 | 2022-12-28 18:19 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--Investor waiver applied to non-material finding - FEMA public assistance disasters declared in xxxxxx on xxxxxx and xxxxxx, at this time no individual assistance has been issued.. Note dated xxxxxx and appraisal dated xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - FEMA public assistance disasters declared in xxxxxx, at this time no individual assistance has been issued.. Note dated xxxxxx and appraisal dated xxxxxx. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 676 exceeds allowable 599 score.<br>Months Reserves exceed minimum required - - Reserves of 52.85 months exceeds the 3 month requirement. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 782637 | xxxxxx D B A C | Closed | xxxxxx | 2023-02-01 17:53 | 2023-02-01 17:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver: xxxxxx exception granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 79.42% exceeds Guideline LTV of 75% - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: xxxxxx exception granted based on compensating factors - Due Diligence Vendor - xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 676 exceeds allowable 599 score.<br>Months Reserves exceed minimum required - - Reserves of 52.85 months exceeds the 3 month requirement. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 782637 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-28 13:53 | 2023-01-11 13:00 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Policy coverage of $285,000 is insufficient and does not state 100% replacement cost. Property is located in xxxxxx. File is missing processor cert or other supporting documentation to confirm adequate coverage. To note, appraisal cost new is xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 676 exceeds allowable 599 score.<br>Months Reserves exceed minimum required - - Reserves of 52.85 months exceeds the 3 month requirement. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 782637 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-28 18:10 | 2023-01-06 11:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved--Received fully executed Note - Due Diligence Vendor-xxxxxx <br>Resolved-There are no issues present on the Note. - Due Diligence Vendor-xxxxxx <br>Open-The Note is Incomplete Note missing borrower signature. - Due Diligence Vendor-xxxxxx |  | Resolved--Received fully executed Note - Due Diligence Vendor-xxxxxx <br>Resolved-There are no issues present on the Note. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 676 exceeds allowable 599 score.<br>Months Reserves exceed minimum required - - Reserves of 52.85 months exceeds the 3 month requirement. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 782637 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-27 18:11 | 2023-01-06 11:47 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved--Received fully executed mortgage - Due Diligence Vendor-xxxxxx <br>Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-xxxxxx <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT / MTG Dated xxxxxx missing Borrower Signature. Document is not notarized.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received fully executed mortgage - Due Diligence Vendor-xxxxxx <br>Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO of 676 exceeds allowable 599 score.<br>Months Reserves exceed minimum required - - Reserves of 52.85 months exceeds the 3 month requirement. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 782637 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-28 15:34 | 2023-01-04 12:00 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Missing EIN number for xxxxxx Limited Liability Company. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - FICO more than 30 points above minimum / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 676 exceeds allowable 599 score.<br>Months Reserves exceed minimum required - - Reserves of 52.85 months exceeds the 3 month requirement. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 782640 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 20:10 | 2022-12-29 15:46 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Open--xxxxxx; Incident Period: xxxxxx; Major Disaster Declaration declared on xxxxxx; Public assistance for subject county. <br> - xxxxxx; Incident Period: xxxxxx; Emergency Declaration declared on xxxxxx. Public assistance for subject county.<br> - xxxxxx; Incident Period: xxxxxx; Major Disaster Declaration declared on xxxxxx. Public assistance for subject county. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - calculated LTV is 5% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 116 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782640 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 20:12 | 2022-12-28 09:56 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--xxxxxx; Incident Period: xxxxxx; Emergency Declaration declared on xxxxxx. Public assistance for subject county.<br> - xxxxxx; Incident Period: xxxxxx; Major Disaster Declaration declared on xxxxxx. Public assistance for subject county.<br> Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived--xxxxxx; Incident Period: xxxxxx; Emergency Declaration declared on xxxxxx. Public assistance for subject county.<br> - xxxxxx; Incident Period: xxxxxx; Major Disaster Declaration declared on xxxxxx. Public assistance for subject county.<br> Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - calculated LTV is 5% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 116 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782640 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 19:55 | 2023-01-16 13:28 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Less Than 2 Months Verified | Resolved--Received additional asset statements - Due Diligence Vendor-xxxxxx <br>Resolved-Asset 4 Verified Sufficiently Or Not Applicable - Due Diligence Vendor - xxxxxx <br>Open-Asset 4 Less Than 2 Months Verified xxxxxx ending in xxxxxx. File only contains a screen shot with a balance. Does not meet-Guideline requirement of the most recent 2 months' account statements, or most recent quarterly account statement, indicating opening and closing balances, and reflecting a consecutive 60 days of asset verification. Required for funds to close - Due Diligence Vendor-xxxxxx |  | Resolved--Received additional asset statements - Due Diligence Vendor-xxxxxx <br>Resolved-Asset 4 Verified Sufficiently Or Not Applicable - Due Diligence Vendor - xxxxxx<br>| LTV is less than guideline maximum - - calculated LTV is 5% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 116 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782640 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 19:26 | 2023-01-10 14:50 | Waived | 2 - Non-Material C B | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Named Insured does not match Borrower(s) Name(s) Borrowers 2 and 3 not reflected on HOI policy. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - calculated LTV is 5% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 116 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782640 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 19:19 | 2022-12-28 09:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Additional contract extension not provided. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Additional contract extension not provided. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - calculated LTV is 5% below max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 116 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782647 | xxxxxx C B A | Closed | xxxxxx | 2022-12-21 08:22 | 2022-12-21 08:22 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-xxxxxx in Individual Assistance for xxxxxx & Public Assistance available Area for xxxxxx. Appraisal dated xxxxxx, Note Date xxxxxx. xxxxxx prior to appraisal date, non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-xxxxxx in Individual Assistance for xxxxxx & Public Assistance available Area for xxxxxx. Appraisal dated xxxxxx, Note Date xxxxxx prior to appraisal date, non-material.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Reserves of 8.53 months exceed three month reserve requirements. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782647 | xxxxxx C B A | Closed | xxxxxx | 2022-12-21 11:20 | 2022-12-27 16:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx<br> Counter--Received same exception approval already reviewed. Exception approval states DSCR >0.95, however calculated DSCR is 0.85 making exception approval invalid. Additionally, exception request require Investor approval - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Max ltv 75%, 5% exception was not approved by Investor. and lock desk email in files states 75 is max - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - 0x30 for 24 months on all mortgages<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Reserves of 8.53 months exceed three month reserve requirements. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782647 | xxxxxx C B A | Closed | xxxxxx | 2022-12-20 11:54 | 2022-12-27 11:37 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved--Received correct policy - Due Diligence Vendor-xxxxxx <br>Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Loan disbursed xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received correct policy - Due Diligence Vendor-xxxxxx <br>Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Reserves of 8.53 months exceed three month reserve requirements. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782651 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-20 15:52 | 2023-02-01 17:15 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--BPO provided that supports value within 10%. - Due Diligence Vendor-xxxxxx <br>Open-Cu/LCA greater than 2.5. An AVM is required per guidelines. - Due Diligence Vendor-xxxxxx <br>Counter--Client response: CU score is 1.3 second appraisal is not required.<br> -(AUDIT RESPONSE) - Both CU and LCA provided and LCA has a risk score of 4, a secondary valuation, AVM or CDA, to support value is required. - Due Diligence Vendor-xxxxxx |  | Resolved--BPO provided that supports value within 10%. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 680 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782651 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-20 15:45 | 2022-12-29 14:01 | Resolved | 1 - Information C A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved--Received property condition report xxxxxx with no damage indicated - Due Diligence Vendor-xxxxxx <br>Open-Public assistance available for xxxxxx. Individual assistance for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received property condition report xxxxxx with no damage indicated - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 680 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782651 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-20 16:40 | 2022-12-29 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Client response: As for the accounts from where transfers were done we do not require 60 days seasoning per guide lines. For assets only xxxxxx_xxxxxxand xxxxxx xxxxxx accounts were used and August xxxxxx&September xxxxxx statements were provided in loan file<br> We can't consider deposit $9000.00 as a large deposit since there is no income in file. Loan file is DSCR-no income. As for the assets borrower had own funds _xxxxxx $70,166.21 and xxxxxx $22,200.16. $55,000 we gift funds. 60 days seasoning was met for assets accounts used.<br> -(AUDIT RESPONSE) - Upon further review, asset documentation is sufficient - Due Diligence Vendor - xxxxxx <br> Counter--Client response: N/a-it's DSCR loan<br> -(AUDIT RESPONSE) - Borrower must have a minimum of 20% of own funds into the transaction when gift funds are used. Additionally, funds must be sourced and seasoned for 60 days, per guidelines and matrix. Provide bank statement #xxxxxx, xxxxxx and xxxxxx to validate deposits. Finding remains - Due Diligence Vendor-xxxxxx <br> Open--xxxxxx #xxxxxx opened xxxxxx with transfer of $9,000.04 from #xxxxxxthat was not documented. All other deposits on the xxxxxx statements to both asset accounts used for qualifying (xxxxxx #xxxxxx and xxxxxx #xxxxxx were transfers from #xxxxxx, #xxxxxx or #1xxxxxx, none of which are in file. Missing two months statements for each to source the deposits. Funds required to confirm required 20% down payment from borrower's own funds. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: As for the accounts from where transfers were done we do not require 60 days seasoning per guide lines. For assets only xxxxxx_xxxxxx and xxxxxx xxxxxx accounts were used and August **xxxxxx** &Septemberxxxxxx statements were provided in loan file<br> We can't consider deposit $9000.00 as a large deposit since there is no income in file. Loan file is DSCR-no income. As for the assets borrower had own funds _xxxxxx $70,166.21 and xxxxxx $22,200.16. $55,000 we gift funds. 60 days seasoning was met for assets accounts used.<br> -(AUDIT RESPONSE) - Upon further review, asset documentation is sufficient - Due Diligence Vendor - xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 680 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782651 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-20 15:40 | 2022-12-22 13:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Borrower has not owned property in the past 24 months. Approved exception request in file. - Due Diligence Vendor-xxxxxx |  | Waived-Borrower has not owned property in the past 24 months. Approved exception request in file. - Due Diligence Vendor - xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 680 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. | CLTV 10% below maximum.<br> No consumer late payments in last 48 months. Longest reporting tradeline is 34 months.<br> No mortgage late payments in last 24 months. Borrower has no mortgage.<br> No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 782651 | xxxxxx D B A C | Closed | xxxxxx | 2022-12-20 16:05 | 2022-12-22 13:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 680 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782664 | xxxxxx D A C | Closed | xxxxxx | 2022-12-22 11:45 | 2022-12-29 12:46 | Resolved | 1 - Information C A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved--Disaster Inspection provided showing no damage. - Due Diligence Vendor-xxxxxx <br>Open-Public assistance available for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Disaster Inspection provided showing no damage. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 759 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782664 | xxxxxx D A C | Closed | xxxxxx | 2022-12-22 11:00 | 2023-01-12 09:28 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved--Corrected appraisal provided showing tenant occupancy. - Due Diligence Vendor-xxxxxx <br>Counter--Received same appraisal in file and already reviewed. Appraisal is marked as Owner Occupied, subject loan is DSCR Investment STR. Per executed Business Purpose disclosure, item #3, "Neither I nor any family member intend or expect to occupy the Property at any time.". Provide corrected appraisal. Additional Findings may apply - Due Diligence Vendor-xxxxxx <br>Counter--Client response: I believe this is a short-term rental per appraisal - which might still be displayed as owner occupied/second home/recreational use<br> -(AUDIT RESPONSE) - Short term rental is tenant occupied. Provide corrected appraisal to reflect subject as such. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-Clarification required. Subject transaction is cash-out Investment but appraisal identifies subject as owner occupied. - Due Diligence Vendor-xxxxxx |  | Resolved--Corrected appraisal provided showing tenant occupancy. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 759 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782664 | xxxxxx D A C | Closed | xxxxxx | 2022-12-22 12:05 | 2023-01-05 17:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved--Received same exception approval already in file however missing Investor approval - Due Diligence Vendor-xxxxxx <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% -70% LTV exceeds 65% maximum allowed for a xxxxxx. Exception provided in file was not approved by Investor - Due Diligence Vendor-xxxxxx |  | Resolved--Received same exception approval already in file however missing Investor approval - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 759 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782664 | xxxxxx D A C | Closed | xxxxxx | 2022-12-22 11:33 | 2023-01-05 17:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Payoff statement reflects loan due for xxxxxx payment, therefore no further documentation needed or required - Due Diligence Vendor - xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements - Missing 0x30x12 history for subject property located xxxxxx - current balance xxxxxx. File includes one mortgage statement and payoff (notes due for xxxxxx). - Due Diligence Vendor-xxxxxx |  | Resolved--Payoff statement reflects loan due fo xxxxxx payment, therefore no further documentation needed or required - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 759 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782664 | xxxxxx D A C | Closed | xxxxxx | 2022-12-22 11:19 | 2023-01-05 17:28 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Open-HO-6 Insurance Policy is Missing -$75.85 monthly escrow for insurance included but policy is missing. - Due Diligence Vendor-xxxxxx |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 759 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782664 | xxxxxx D A C | Closed | xxxxxx | 2022-12-22 10:33 | 2023-01-05 17:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Received legal description attached to mortgage - Due Diligence Vendor-xxxxxx<br> Open-Missing Exhibit A Legal Description for mortgage. Document in file is missing actual legal description.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received legal description attached to mortgage - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 759 FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782671 | xxxxxx C A | Closed | xxxxxx | 2022-12-22 11:02 | 2022-12-29 15:16 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Seller Response: AVM pulled was not considered, please review again and advise. it supports the value and confidence score. <br> - Audit response: AVM pulled with lower value has a lower confidence score than the AVM with a higher value. AVM with higher confidence score utilized to secondary valuation. - Due Diligence Vendor-xxxxxx <br>Counter--Received another AVM. Due to variances, a desk review is required. Finding remains - Due Diligence Vendor-xxxxxx <br>Counter--Client response: AVM uploaded has confidence score of 95% and is within 10% tolerance.<br> -(AUDIT RESPONSE) - AVM received was already reviewed in original file. Due to variance of -18.68% on AVM dated xxxxxx with a value of xxxxxx, a desk review is now required to support appraised value. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-File contains 2 AVMS. One of them show a Variance of -18.68%, therefore, as desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Seller Response: AVM pulled was not considered, please review again and advise. it supports the value and confidence score. <br> - Audit response: AVM pulled with lower value has a lower confidence score than the AVM with a higher value. AVM with higher confidence score utilized to secondary valuation. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - Calculated LTV > 6% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 105 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782713 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 12:54 | 2023-01-11 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br>Resolved-Upon further review, not required for LLC - Due Diligence Vendor-xxxxxx <br>Ready for Review-Section 4A of the underwriting guidelines state, "Every mortgage loan must contain an automated fraud and data check tool such as FraudGuard associated for each individual borrower or guarantor," not borrowing entity. Applies to individuals, not entities - Buyer - xxxxxx <br>Open-Third Party Fraud Report Partially Provided - Missing Clear background report for Borrowing entity: xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br>Resolved-Upon further review, not required for LLC - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 735 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 63 exceed minimum required 3.<br>DSCR % greater than 1.20 - - DSCR 1.98 % greater than 1. required per guideline. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782713 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 11:17 | 2023-01-03 16:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived- - Due Diligence Vendor-xxxxxx <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements - Clear report reflect open Judgement in the amount of $238 for Guarantor-xxxxxx. However, does not meet guideline requirement of all open judgements to be paid off prior to loan closings. Also, a LOE required for disclosing situation and reasons for outstanding amounts. Lender Exception on Asset Summary report. Not approved by investor. Deemed non material due to 60 months reserves left after required 3 months.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  |  | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 735 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 63 exceed minimum required 3.<br>DSCR % greater than 1.20 - - DSCR 1.98 % greater than 1. required per guideline. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 782714 | xxxxxx D A | Closed | xxxxxx | 2023-01-03 11:48 | 2023-01-11 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br> Resolved-Not required for LLC - Due Diligence Vendor-xxxxxx <br> Ready for Review-Section 4A of the underwriting guidelines state, "Every mortgage loan must contain an automated fraud and data check tool such asxxxxxx associated for each individual borrower or guarantor," not borrowing entity. Applies to individuals, not entities - Buyer - xxxxxx <br> Open-Third Party Fraud Report Partially Provided - Missing CLEAR Background Report for borrowing entity xxxxxx. Reports provided for the two guarantors only.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br>Resolved-Not required for LLC - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 746 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 13.98 months reserves exceeds 3 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782714 | xxxxxx D A | Closed | xxxxxx | 2023-01-03 10:37 | 2023-01-06 08:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Received complete Guaranty Agreement executed by all parties - Due Diligence Vendor-xxxxxx <br>Open-Missing Guaranty Agreement signed by second guarantor. Agreement signed only by guarantor who signed note. - Due Diligence Vendor-xxxxxx |  | Resolved--Received complete Guaranty Agreement executed by all parties - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 746 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 13.98 months reserves exceeds 3 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782719 | xxxxxx D B A | Closed | xxxxxx | 2023-01-04 11:29 | 2023-01-05 16:34 | Resolved | 1 - Information B A | Property | Appraisal | Property/Appraisal General | Resolved--Appraisal provided showing purchase was xxxxxx, TPR confirmed via online search accurate date was xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-Per Appraisal and title, Subject property less than 12 months ownership. Guideline allow Loan Amount limited to the property's purchase price plus documented improvements. , Purchased on xxxxxx and this loan is dated xxxxxx., therefore, considered non material - Due Diligence Vendor-xxxxxx |  | Resolved--Appraisal provided showing purchase was xxxxxx, TPR confirmed via online search accurate date was xxxxxx - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.20 - - DSCR is 1.26; Minimum is 1.0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 121 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 782719 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 15:15 | 2023-01-04 08:49 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived--xxxxxx; Incident Period: xxxxxx; Emergency Declaration declared on xxxxxx. Public assistance for subject county.<br> - xxxxxx; Incident Period: xxxxxx; Major Disaster Declaration declared on xxxxxx. Public assistance for subject county.<br> - PDI in file dated xxxxxx for xxxxxx FEMA disaster only. xxxxxx was after this date.<br> Investor waiver applied to non Material finding - Due Diligence Vendor-xxxxxx |  | Waived--xxxxxx; Incident Period: xxxxxx; Emergency Declaration declared on xxxxxx. Public assistance for subject county.<br> - xxxxxx; Incident Period: xxxxxx; Major Disaster Declaration declared on xxxxxx. Public assistance for subject county.<br> - PDI in file dated xxxxxx for xxxxxx FEMA disaster only. xxxxxx was after this date.<br> Investor waiver applied to non Material finding<br> - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.20 - - DSCR is 1.26; Minimum is 1.0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 121 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 782719 | xxxxxx D B A | Closed | xxxxxx | 2023-01-04 10:10 | 2023-01-11 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br> Ready for Review-Not required for LLC - Due Diligence Vendor-xxxxxx<br> Ready for Review-Section 4A of the underwriting guidelines state, "Every mortgage loan must contain an automated fraud and data check tool such as xxxxxx associated for each individual borrower or guarantor," not borrowing entity. Applies to individuals, not entities - Buyer-xxxxxx <br> Open-Third Party Fraud Report Partially Provided - Missing LLC Fraud report/Background check as required by guidelines. - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - - DSCR is 1.26; Minimum is 1.0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 121 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 782719 | xxxxxx D B A | Closed | xxxxxx | 2023-01-04 11:28 | 2023-01-09 13:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Investor waiver applied to non-material Finding - Due Diligence Vendor-xxxxxx <br> Open-Asset Summary report reflect <50% aggregate ownership of borrowing entity by sponsors. Exception in file by the Lender not approved by Investor. - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - DSCR > 1.15 - Investor waiver applied to non-material Finding - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.20 - - DSCR is 1.26; Minimum is 1.0.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 121 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below max allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash-Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 782721 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 17:51 | 2023-01-04 10:19 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--FEMA disaster declaration xxxxxx ,Public Assistance for the County, declaration date xxxxxx . After the Note date xxxxxx, After Appraisal date xxxxxx and post disaster inspection report dated xxxxxx in file.. Missing post disaster inspection report after the declaration date xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--FEMA disaster declaration xxxxxx ,Public Assistance for the County, declaration date xxxxxx . After the Note date xxxxxx, After Appraisal date xxxxxx and post disaster inspection report dated xxxxxx in file.. Missing post disaster inspection report after the declaration date xxxxxx. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 781 is at least 20 points above minimum for program 620.<br>Months Reserves exceed minimum required - - Months Reserves10 exceed minimum required 3. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 782721 | xxxxxx D B A | Closed | xxxxxx | 2023-01-27 13:11 | 2023-01-27 13:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Investor waiver applied to non-material finding - Per Appraisal and title, Subject property less than 12 months ownership. Guideline allow Loan Amount limited to the property's purchase price plus documented improvements. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Per Appraisal and title, Subject property less than 12 months ownership. Guideline allow Loan Amount limited to the property's purchase price plus documented improvements. , Purchased on xxxxxx and this loan is dated xxxxxx., therefore, considered non material - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 781 is at least 20 points above minimum for program 620.<br>Months Reserves exceed minimum required - - Months Reserves10 exceed minimum required 3. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 782721 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 17:27 | 2023-01-11 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br>Ready for Review-Not required on LLC - Due Diligence Vendor-xxxxxx <br>Ready for Review-Section 4A of the underwriting guidelines state, "Every mortgage loan must contain an automated fraud and data check tool such as FraudGuard associated for each individual borrower or guarantor," not borrowing entity. Applies to individuals, not entities - Buyer - xxxxxx<br> Open-Third Party Fraud Report Partially Provided - Missing Clear background report for Borrowing entity: xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 781 is at least 20 points above minimum for program 620.<br>Months Reserves exceed minimum required - - Months Reserves10 exceed minimum required 3. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782721 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 17:42 | 2023-01-09 13:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--The request for an exception to xxxxxx eligibility criteria is granted - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx <br> Open-- Asset Summary report reflect <50% aggregate ownership of borrowing entity by sponsors. Exception in file by the Lender not approved by Investor. - Due Diligence Vendor-xxxxxx |  | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Reserves exceed requirement by 6 months or more. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 781 is at least 20 points above minimum for program 620.<br>Months Reserves exceed minimum required - - Months Reserves10 exceed minimum required 3. | -Mitigated by 100% management control of borrowing entity, <br> - low leverage (70% LTV) <br> - strong credit by three guarantors (768, 781, 778). |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 782735 | xxxxxx D B A | Closed | xxxxxx | 2023-01-04 17:38 | 2023-01-10 08:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved--Received disclosure - Due Diligence Vendor-xxxxxx <br>Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-xxxxxx |  | Resolved--Received disclosure - Due Diligence Vendor-xxxxxx<br>Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 79 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 15% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782735 | xxxxxx D B A | Closed | xxxxxx | 2023-01-04 09:39 | 2023-01-10 08:52 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved--Received asset statements - Due Diligence Vendor-xxxxxx <br>Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-xxxxxx <br>Open-Total Qualified Assets Post-Close amount is '$-218046.56'. Assets are Insufficient. - Missing all assets used for closing and reserves; file contains only EMD check and gift letter for EMD funds. - Due Diligence Vendor-xxxxxx |  | Resolved--Received asset statements - Due Diligence Vendor-xxxxxx <br>Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 79 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 15% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782735 | xxxxxx D B A | Closed | xxxxxx | 2023-01-04 09:51 | 2023-01-10 08:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Received assets statements - Due Diligence Vendor-xxxxxx <br>Resolved-Audited Reserves of 6.72 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-xxxxxx <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Missing all assets used for closing and reserves; file contains only EMD check and gift letter for EMD funds. - Due Diligence Vendor-xxxxxx |  | Resolved--Received assets statements - Due Diligence Vendor-xxxxxx <br>Resolved-Audited Reserves of 6.72 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 79 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 15% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782735 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 17:25 | 2023-01-10 08:44 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved--Received final title - Due Diligence Vendor-xxxxxx <br> Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $xxxxxxis Less than Total Amount of Subject Lien(s) of $xxxxxx - Updated Title with increased coverage not provided. - Due Diligence Vendor-xxxxxx |  | Resolved--Received final title - Due Diligence Vendor-xxxxxx <br> Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 79 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 15% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782735 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 17:40 | 2023-01-04 17:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Contract extension not provided. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Contract extension not provided. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 79 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 15% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782741 | xxxxxx C B A | Closed | xxxxxx | 2022-12-20 13:14 | 2022-12-21 14:59 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved--Trust provided reflecting borrower as Trustee. - Due Diligence Vendor - xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-- Title reflect vesting in the name "xxxxxx." However, Operating Agreement for Management reflect LLC 100% owned by xxxxxx. Provide complete Trust document to support xxxxxx. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved--Trust provided reflecting borrower as Trustee. - Due Diligence Vendor - xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 2.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 786 is at least 20 points above minimum for program 620. |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782741 | xxxxxx C B A | Closed | xxxxxx | 2022-12-20 14:16 | 2022-12-21 10:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) - The borrower purchased the property on xxxxxx cash. Guideline require 12-month history of managing and owning investment properties. Exception in file approved by the Investor. - Due Diligence Vendor-xxxxxx |  |  | Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 2.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 786 is at least 20 points above minimum for program 620. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 782847 | xxxxxx D B A | Closed | xxxxxx | 2023-01-09 11:20 | 2023-01-12 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved--Received clear OFAC for borrower - Due Diligence Vendor-xxxxxx <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared Missing OFAC - Due Diligence Vendor-xxxxxx |  | Resolved--Received clear OFAC for borrower - Due Diligence Vendor-xxxxxx <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 67% is less than guideline maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782847 | xxxxxx D B A | Closed | xxxxxx | 2023-01-09 11:02 | 2023-01-12 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved--Received disclosure - Due Diligence Vendor-xxxxxx <br>Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-xxxxxx |  | Resolved--Received disclosure - Due Diligence Vendor-xxxxxx <br>Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 67% is less than guideline maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782847 | xxxxxx D B A | Closed | xxxxxx | 2023-01-06 11:41 | 2023-01-09 17:16 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Settlement date xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Settlement date xxxxxx. Investor waiver applied to non material finding - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 67% is less than guideline maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 783311 | xxxxxx C B A | Closed | xxxxxx | 2023-01-20 09:11 | 2023-01-24 15:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $xxxxxx is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Updated title coverage was not provided. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 693 is 33 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783311 | xxxxxx C B A | Closed | xxxxxx | 2023-01-20 09:56 | 2023-01-20 10:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% - Max LTV for cash out on xxxxxx is 65%. 5% exception approved by investor. - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% - Max LTV for cash out on xxxxxx is 65%. 5% exception approved by investor. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 693 is 33 points higher than required 660 | -Credit Score 30+ points > minimum required<br> - Reserves exceed requirement by 10 months or more<br> - Current primary home ownership > 10 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 783468 | xxxxxx C A | Closed | xxxxxx | 2023-01-10 13:41 | 2023-01-13 14:16 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved--Received COT - Due Diligence Vendor-xxxxxx <br>Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx <br>Open-Unsatisfactory Chain of Title provided -24 Month chain of title was not provided. - Due Diligence Vendor-xxxxxx |  | Resolved--Received COT - Due Diligence Vendor-xxxxxx <br>Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 122 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783471 | xxxxxx C B A | Closed | xxxxxx | 2023-01-11 14:06 | 2023-01-12 15:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open--Lender used 100% of 1007 market rent without a lease on subject property; guidelines allow use of 1007 with 20% vacancy factor for refinances of unleased property; LOX in file states verbal lease with family member. Lender exception request/approval in file. Investor approval not provided. - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - ST - DSCR exceeds minimum requirement under applicable guidelines - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - verified 80+ months reserves from cash-out.<br>LTV is less than guideline maximum - - LTV is 5% below guideline max. | -80 mos. post-closing reserves<br> - DSCR > 1.02 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 783471 | xxxxxx C B A | Closed | xxxxxx | 2023-01-11 14:02 | 2023-01-12 15:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Borrower removed from forbearance for Mtg reporting on CBR on xxxxxx; 3 months timely payment since forbearance removed not completed. lender exception request/approval in file. Investor approval not provided. - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - ST - DSCR exceeds minimum requirement under applicable guidelines - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - verified 80+ months reserves from cash-out.<br>LTV is less than guideline maximum - - LTV is 5% below guideline max. | -80 mos. post-closing reserves<br> - DSCR > 1.02 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 783473 | xxxxxx D A | Closed | xxxxxx | 2023-01-10 17:27 | 2023-01-13 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved--Received EIN - Due Diligence Vendor-xxxxxx <br>Open--Missing EIN for xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received EIN - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 739 is 79 points higher than required 660<br>LTV is less than guideline maximum - - LTV 75% is 5% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 783473 | xxxxxx D A | Closed | xxxxxx | 2023-01-10 17:26 | 2023-01-13 14:21 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved--Received documents - Due Diligence Vendor-xxxxxx <br>Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-xxxxxx <br>Open-The Business Entity Formation Document is Missing The following documentation must be provided:<br> - Formation and Operating documents<br> - Articles of Incorporation and bylaws<br> - Certificate of Formation and Operating Agreement, or<br> Partnership Agreement<br> - Certificate of Good Standing - Due Diligence Vendor-xxxxxx |  | Resolved--Received documents - Due Diligence Vendor-xxxxxx <br>Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 739 is 79 points higher than required 660<br>LTV is less than guideline maximum - - LTV 75% is 5% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 783475 | xxxxxx C B A | Closed | xxxxxx | 2023-01-11 10:11 | 2023-01-12 11:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $xxxxxx - No exception request to minimum in file. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - DSCR > 1.3<br> - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - - DSCR % is 1.44<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 739 is 79 points higher than required 660<br>LTV is less than guideline maximum - - LTV 75% is 5% lower than maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 10:22 | 2022-11-23 11:11 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Rec'd CDA in trailing docs. - Due Diligence Vendor-xxxxxx<br> Open--Missing enhanced desk review from an approved vendor or field review/second appraisal. - Due Diligence Vendor-xxxxxx |  | Resolved-Rec'd CDA in trailing docs. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 10:20 | 2022-11-23 11:11 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Rec'd Appraisal and 442 Cert in trailing docs - Due Diligence Vendor-xxxxxx <br>Open-Appraisal is Missing - Missing full appraisal to support value of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Appraisal is Present or is Waived - Rec'd Appraisal and 442 Cert in trailing docs - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 11:48 | 2023-02-01 12:10 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor Waiver applied. - Due Diligence Vendor-xxxxxx <br>Counter--Received LTV exception approval which is unrelated to Finding. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing Gap/Credit Monitoring report. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver applied. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 17:47 | 2023-01-27 13:42 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved- - Due Diligence Vendor-xxxxxx <br>Counter--Received all income documents. - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors Income documents not met - Due Diligence Vendor-xxxxxx |  |  | Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 12:47 | 2022-12-12 17:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence Vendor-xxxxxx <br>Counter--Received approval for higher LTV however, this approval has no identifying information such as, borrower name, lender/originator, loan #. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-Audited LTV of 90% exceeds Guideline LTV of 80% - Max LTV allowed for loan amount of xxxxxx is 80%. - Due Diligence Vendor-xxxxxx |  |  | Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 11:37 | 2022-12-01 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Waived- - Due Diligence Vendor-xxxxxx <br>Counter--Received approval for higher LTV however, this approval has no identifying information such as, borrower name, lender/originator, loan #. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-Audited LTV of 90% exceeds Guideline LTV of 80% - Max LTV allowed for loan amount of xxxxxx is 80%. - Due Diligence Vendor-xxxxxx |  |  | Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 11:37 | 2022-12-01 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved--All required bank statements received - Due Diligence Vendor-xxxxxx <br>Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Rec'd Bank statement income worksheets in trailing docs. - Due Diligence Vendor-xxxxxx<br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing income worksheet to support $138,086.40 from xxxxxx; Worksheet provided reflects $0 net income. - Due Diligence Vendor-xxxxxx |  | Resolved--All required bank statements received - Due Diligence Vendor-xxxxxx <br>Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Rec'd Bank statement income worksheets in trailing docs. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 12:23 | 2022-11-23 10:50 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved--Rec'd IRS Installment plan agreement in trailing docs. - Due Diligence Vendor-xxxxxx <br>Open--Missing documentation to support IRS terms of repayment at $1,300 per bank statement deductions and appearing on final 1003 balance $98,249. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd IRS Installment plan agreement in trailing docs. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 11:55 | 2022-11-23 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Rec'd signed Consumer LOX in trailing docs. - Due Diligence Vendor-xxxxxx <br> Open--Missing LOE for the following inquiries: xxxxxx/xxxxxx, xxxxxx xxxxxx xxxxxx/xxxxxx, xxxxxx. LOE required for all inquires within 90 days of report date. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd signed Consumer LOX in trailing docs. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 13:45 | 2022-11-23 10:48 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved--Rec'd Processor confirmation in trailing docs. - Due Diligence Vendor-xxxxxx <br> Open--Fraud alert on credit report dated 8/5/22. Missing processor cert stating the borrower was contacted in connection with credit application. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd Processor confirmation in trailing docs. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 10:20 | 2022-11-17 18:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived--Waiver applied to non-material finding - Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Only one extension in file with COE date xxxxxx - additional extension not provided. - Due Diligence Vendor-xxxxxx |  | Waived--Waiver applied to non-material finding - Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Only one extension in file with COE date xxxxxx - additional extension not provided. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 13:11 | 2022-11-17 17:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved--State filing for DBA provided forxxxxxx xxxxxx with registered DBA ofxxxxxx xxxxxx. - Due Diligence Vendor - xxxxxx <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - Lender name on Note, xxxxxx, does not match Lender name on Mortgage, Verus xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--State filing for xxxxxx provided for xxxxxx xxxxxx with registered xxxxxx of xxxxxx xxxxxx. - Due Diligence Vendor - xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-16 14:27 | 2022-11-17 17:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived--Waiver applied to non-material finding. - Due Diligence Vendo xxxxxx <br>Open--statute of limitations 3 yrs - Due Diligence Vendor-xxxxxx <br>Open-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-xxxxxx |  | Waived--Waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055550 | xxxxxx D B A | Closed | xxxxxx | 2022-11-16 14:27 | 2022-11-16 16:52 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Finding is deemed non-material. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Finding is deemed non-material. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -738 mid score exceeds minimum of 660.<br>Qualifying DTI below maximum allowed - - Calculated DTI is 26% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 28 months reserves. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 11:35 | 2023-01-24 16:50 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Appraisal is Expired | Waived-Primary Value Appraisal is Expired xxxxxx in file is within 120 days of closing and investor exception approved to use appraisal at 139 days old for new construction. - Due Diligence Vendor-xxxxxx |  | Waived-Primary Value Appraisal is Expired xxxxxx in file is within xxxxxx days of closing and investor exception approved to use appraisal at xxxxxx days old for new construction. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. | - DTI < 30%<br> - Residual income more than 1.5 times amount required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 13:22 | 2023-01-24 16:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% - Max LTV is 80% for loan amount between xxxxxx. Investor exception approval in file. - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% - Max LTV is 80% for loan amount between xxxxxx with fico of 730. Investor exception approval in file. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. | -DTI < 30%<br> - Residual income more than 1.5 times amount required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 12:55 | 2023-01-18 14:34 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received UDM - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Deemed non material due to DTI of 26.06% - Due Diligence Vendor-xxxxxx |  | Resolved--Received UDM - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 12:40 | 2023-01-10 09:05 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--Received xxxxxx exception approval. - Investor waiver applied to non-material findings - Due Diligence Vendor - xxxxxx <br> Open-Income and Employment Do Not Meet Guidelines - xxxxxx 8 NSFs >3 months old. <br> Guidelines: If there are xxxxxx occurrences in the most recent three-month time period, up to five (5) occurrences in the most recent 12-month time period are acceptable. LOE in file, however, no exception to Guidelines requested. - Due Diligence Vendor-xxxxxx |  | Waived--Received xxxxxx exception approval. - Investor waiver applied to non-material findings - Due Diligence Vendor - xxxxxx | Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. | -Low DTI<br> - Strong residual income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-18 13:55 | 2023-01-24 16:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved--Received applicable COC - Due Diligence Vendor-xxxxxx<br>Counter--Received COC dated xxxxxx for Lock Extension and Discount Points which are unrelated to the Findings. Provided COC for recording fees increase which occurred on CD xxxxxx. Finding remains - Due Diligence Vendor-xxxxxx <br>Open--NEW - Missing COC for increased Recording Fees from LE xxxxxx to Final xxxxxx. Initial increase occurred with initial CD xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($325.00) exceed the comparable charges ($127.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-xxxxxx |  | Resolved--Received applicable COC - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-18 13:55 | 2023-01-24 13:55 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved--Received COC with explanation for decrease in Lender Credit. - Due Diligence Vendor-xxxxxx <br> Counter--Received COC dated xxxxxx for Lock Extension and Discount Points which are unrelated to the Findings. Provided COC for decrease in Lender credit on Final CD xxxxxx. Finding remains - Due Diligence Vendor-xxxxxx <br> Open--NEW - Lender credit may not decrease without a valid COC. Lender credit decreased on Final CD by $912.44 without a valid COC. - Due Diligence Vendor-xxxxxx <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($29,815.97) does not exceed or equal the comparable sum of specific and non-specific lender credits ($30,728.41). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-xxxxxx |  | Resolved--Received COC with explanation for decrease in Lender Credit. - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-18 13:55 | 2023-01-18 14:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Final CD Lender credit include zero tolerance cure of $12,023.20 for City/County Tax/Stamps - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $12,023.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-xxxxxx |  | Resolved--Final CD Lender credit include zero tolerance cure of $12,023.20 for City/County Tax/Stamps - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-04 11:38 | 2023-01-18 14:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved--Received final CD - Due Diligence Vendor-xxxxxx <br>Counter--Received same post-close CD xxxxxx already in file and reviewed. Missing final CD executed day of closing xxxxxx. Finding remains - Due Diligence Vendor-xxxxxx <br>Open-TRID: Missing Final Closing Disclosure - Missing final Cd and Seller CD. Additional Findings may apply upon receipt. <br> - Statute of Limitations-Three years - Due Diligence Vendor-xxxxxx |  | Resolved--Received final CD - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-04 11:36 | 2023-01-04 15:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to Non-Material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to Non-Material Findings - Due Diligence Vendor - xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055643 | xxxxxx D B A | Closed | xxxxxx | 2023-01-04 11:36 | 2023-01-04 15:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-The Home Loan Toolkit disclosure is missing. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - DTI 26.06% is 16.94% lower than maximum 43%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid fico 730 is 50 points higher than required 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055655 | xxxxxx C B A | Closed | xxxxxx | 2023-01-05 17:30 | 2023-01-18 14:32 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received GAP report with no new debt identified - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Gap/Credit Refresh for both Borrowers not provided. Deemed non-material due to DTI at 38% - Due Diligence Vendor-xxxxxx |  | Resolved--Received GAP report with no new debt identified - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 12% below max allowed.<br>Months Reserves exceed minimum required - - Verified 22 months reserves; only 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 50 points above minimum required. |  |  | Non-QM: APOR | Non-QM: APOR | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055655 | xxxxxx C B A | Closed | xxxxxx | 2023-01-04 10:10 | 2023-01-18 14:18 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved--Received disclosure dated within 3 days of application date - Due Diligence Vendor-xxxxxx <br>Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings, Homeownership counseling organizations disclosure date is xxxxxx and is not within three business days of the loan originator's application date of xxxxxx. Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved--Received disclosure dated within 3 days of application date - Due Diligence Vendor-xxxxxx<br>| Qualifying DTI below maximum allowed - - Qualifying DTI is 12% below max allowed.<br>Months Reserves exceed minimum required - - Verified 22 months reserves; only 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 50 points above minimum required. |  |  | Non-QM: APOR | Non-QM: APOR | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055655 | xxxxxx C B A | Closed | xxxxxx | 2023-01-04 09:47 | 2023-01-04 15:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Required Affiliated Business Disclosure Missing - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - - Qualifying DTI is 12% below max allowed.<br>Months Reserves exceed minimum required - - Verified 22 months reserves; only 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 50 points above minimum required. |  |  | Non-QM: APOR | Non-QM: APOR | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781208 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 14:26 | 2023-01-05 16:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - 1003 reflect borrowers renting current residence from the past 6 months. Prior residence rented for 2 years per explanation letter and 1003. File contain VOR supporting 6 months rental history. However does not meet guideline requirement of 12-month rental history, reflecting 0x30 for first time home buyers. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 6 months or more / Compensating Factor 2 - Employed at same job > 2 years / Compensating Factor 3 - Credit Score 10 points > minimum required<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 20 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781208 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 14:21 | 2023-01-05 16:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 52.86% exceeds Guideline DTI of 45% - Due Diligence Vendor-xxxxxx <br> Open-Audited DTI of 53.39% exceeds Guideline DTI of 45% - DTI 53.39%= PITIA $2267.29+ other debt $488/Income $5160.97. Income variance as lower qualifying income based on YTD paystub and no proof in file of 2 years continuous receipt of OT for both borrowers. <br> - Also, 1008 and final 1003 reflect excluded debt as accounts to be paid off on CD. Final CD does not reflect any accounts being paid off. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Employed at same job > 2 years / Compensating Factor 2 - Reserves exceed requirement by 6 months or more / Compensating Factor 3 - Credit Score 10 points > minimum required<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 20 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781208 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 14:19 | 2023-01-05 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower does not meet residual income requirement | Resolved--Program changed to xxxxxx-Standard Doc therefore subject loan now meets residual income requirement - Due Diligence Vendor-xxxxxx <br>Counter--Residual is $2,457.28 which does not meet minimum of $2,500. - Due Diligence Vendor-xxxxxx <br>Counter--Client response: See income calculation<br> -(AUDIT REPONSE) - Audited DTI of 53.39% exceeds Guideline DTI of 45% - DTI 53.39%= PITIA $2267.29+ other debt $488/Income $5160.97. Income variance as lower qualifying income based on YTD paystub and no proof in file of 2 years continuous receipt of OT for both borrowers. <br> - Also, 1008 and final 1003 reflect excluded debt as accounts to be paid off on CD. Final CD does not reflect any accounts being paid off - Due Diligence Vendor - xxxxxx <br>Open-- Calculated residual income $2030.68 does not meet guideline requirement of $2500 for xxxxxx standard doc program. - Due Diligence Vendor-xxxxxx |  | Resolved--Program changed to xxxxxx-Standard Doc therefore subject loan now meets residual income requirement - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 20 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781208 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 15:22 | 2023-01-05 10:51 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Received paystub and verbal VOE - Due Diligence Vendor-xxxxxx<br> Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Open-ATR: The Lender did not document all ATR Factors - Received Borrower weekly paystub covering YTD income but paystub is from xxxxxx, does not meet guideline requirement of the borrower's most recent paystubs reflecting 30 days of pay.<br> - Missing proof of VVOE completed 10 days prior to Note date for Co-Borrower. - Due Diligence Vendor-xxxxxx |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Received paystub and verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 20 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781208 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 13:49 | 2022-12-12 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open--NEW - Missing GAP report for borrower2 - Due Diligence Vendor-xxxxxx <br>Rescinded-Borrower 2 Gap Credit Report is Missing - For Co-Borrower,file contain updated CR dated 11/7/2022 . Does not meet guideline requirement of a gap credit report no more than 10 days prior to loan closing or any time after closing.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Rescinded-Borrower 2 Gap Credit Report is Missing - For Co-Borrower,file contain updated CR dated xxxxxx . Does not meet guideline requirement of a gap credit report no more than 10 days prior to loan closing or any time after closing.<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 20 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781208 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 18:08 | 2022-12-12 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Resolved--Received Monitoring report - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing . Borrower 2 Gap Credit Report is Missing<br> - File contain updated CR dated 11/7/2022 . xxxxxx undisclosed debt notifications report in file for Borrower dated xxxxxx. Does not meet guideline requirement of a gap credit report no more than 10 days prior to loan closing xxxxxx or any time after closing. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Resolved--Received Monitoring report - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 20 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781208 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 13:12 | 2022-12-08 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved--Received verbal VOE - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-xxxxxx <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Missing proof of VVOE completed 10 days prior to Note date for Co-Borrower. - Due Diligence Vendor-xxxxxx |  | Resolved--Received verbal VOE - Due Diligence Vendor-xxxxxx <br> Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 20 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781208 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 15:21 | 2022-12-08 11:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received paystub - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx <br>Open-Income and Employment Do Not Meet Guidelines - Missing Borrower 1 weekly paystub covering YTD income, paystub is from xxxxxx, does not meet guideline requirement of the borrower's most recent paystubs reflecting 30 days of pay.<br> - Due Diligence Vendor-xxxxxx |  | Resolved--Received paystub - Due Diligence Vendor-xxxxxx <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 20 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781208 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 12:57 | 2022-12-06 13:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 20 exceed minimum required 6. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |

---

## Exhibit 99.29

**EXHIBIT 99.29**

**clarifii rating agency grades summary report**

---

| | | |
|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** |
| 771855 | xxxxxx | xxxxxx C A B |
| 772787 | xxxxxx | xxxxxx C A B |
| 772794 | xxxxxx | xxxxxx D A C |
| 773113 | xxxxxx | xxxxxx D A |
| 774023 | xxxxxx | xxxxxx C A B |
| 774033 | xxxxxx | xxxxxx B A |
| 774074 | xxxxxx | xxxxxx D A B |
| 774176 | xxxxxx | xxxxxx D C A B |
| 774327 | xxxxxx | xxxxxx C D A B |
| 774333 | xxxxxx | xxxxxx B D A |
| 774337 | xxxxxx | xxxxxx C A B |
| 774343 | xxxxxx | xxxxxx D A B |
| 774345 | xxxxxx | xxxxxx D A C B |
| 774354 | xxxxxx | xxxxxx C A B |
| 774361 | xxxxxx | xxxxxx D B A |
| 774363 | xxxxxx | xxxxxx B A |
| 774364 | xxxxxx | xxxxxx C B A |
| 774365 | xxxxxx | xxxxxx B A |
| 774368 | xxxxxx | xxxxxx C A B |
| 774369 | xxxxxx | xxxxxx D B A |
| 774370 | xxxxxx | xxxxxx D C A B |
| 774371 | xxxxxx | xxxxxx B A |
| 774372 | xxxxxx | xxxxxx D B A |
| 774376 | xxxxxx | xxxxxx D B A |
| 774377 | xxxxxx | xxxxxx D C A B |
| 774378 | xxxxxx | xxxxxx C A B |
| 774380 | xxxxxx | xxxxxx B A |
| 774381 | xxxxxx | xxxxxx D A C B |
| 774385 | xxxxxx | xxxxxx C A B |
| 774386 | xxxxxx | xxxxxx D A B |
| 774392 | xxxxxx | xxxxxx D A B |
| 774393 | xxxxxx | xxxxxx D A B |
| 774399 | xxxxxx | xxxxxx B A C |
| 774400 | xxxxxx | xxxxxx D A C B |
| 774402 | xxxxxx | xxxxxx A |
| 774403 | xxxxxx | xxxxxx B A |
| 774404 | xxxxxx | xxxxxx C B A |
| 774415 | xxxxxx | xxxxxx B A |
| 774416 | xxxxxx | xxxxxx D A C B |
| 774422 | xxxxxx | xxxxxx D A B |
| 774425 | xxxxxx | xxxxxx D A B |
| 774426 | xxxxxx | xxxxxx C A B |
| 774429 | xxxxxx | xxxxxx B A |
| 774435 | xxxxxx | xxxxxx C A B |
| 774441 | xxxxxx | xxxxxx B A |
| 774442 | xxxxxx | xxxxxx D B A |
| 774447 | xxxxxx | xxxxxx D A B |
| 774449 | xxxxxx | xxxxxx C D A B |
| 774638 | xxxxxx | xxxxxx B A |
| 774891 | xxxxxx | xxxxxx D B A |
| 774904 | xxxxxx | xxxxxx C A B |
| 774913 | xxxxxx | xxxxxx C A B |
| 775013 | xxxxxx | xxxxxx C A B |
| 775079 | xxxxxx | xxxxxx C A B |
| 775135 | xxxxxx | xxxxxx B A |
| 775181 | xxxxxx | xxxxxx D B A |
| 775419 | xxxxxx | xxxxxx D A B |
| 775447 | xxxxxx | xxxxxx C A |
| 775505 | xxxxxx | xxxxxx D A B |
| 775510 | xxxxxx | xxxxxx B A |
| 775527 | xxxxxx | xxxxxx D A C B |
| 775594 | xxxxxx | xxxxxx D A B |
| 775705 | xxxxxx | xxxxxx D A B |
| 775708 | xxxxxx | xxxxxx C A B |
| 775736 | xxxxxx | xxxxxx D A C B |
| 775758 | xxxxxx | xxxxxx D A B |
| 775994 | xxxxxx | xxxxxx D B C A |
| 776237 | xxxxxx | xxxxxx C B A |
| 776655 | xxxxxx | xxxxxx B D A |
| 776658 | xxxxxx | xxxxxx D B A |
| 776659 | xxxxxx | xxxxxx D A B |
| 776660 | xxxxxx | xxxxxx D A B |
| 776661 | xxxxxx | xxxxxx C B |
| 776665 | xxxxxx | xxxxxx D A B |
| 776667 | xxxxxx | xxxxxx C A B |
| 776675 | xxxxxx | xxxxxx D A B |
| 776682 | xxxxxx | xxxxxx D A C B |
| 776685 | xxxxxx | xxxxxx C A B |
| 776688 | xxxxxx | xxxxxx D A B |
| 776689 | xxxxxx | xxxxxx C A B |
| 776691 | xxxxxx | xxxxxx D A B |
| 776692 | xxxxxx | xxxxxx D B A |
| 776696 | xxxxxx | xxxxxx B A |
| 776698 | xxxxxx | xxxxxx D C A B |
| 776700 | xxxxxx | xxxxxx C B A |
| 776701 | xxxxxx | xxxxxx D A B |
| 776703 | xxxxxx | xxxxxx B A |
| 776707 | xxxxxx | xxxxxx D A B |
| 776711 | xxxxxx | xxxxxx D B A |
| 776714 | xxxxxx | xxxxxx C A D B |
| 776722 | xxxxxx | xxxxxx B A |
| 776723 | xxxxxx | xxxxxx D A C B |
| 776724 | xxxxxx | xxxxxx D B A |
| 776725 | xxxxxx | xxxxxx D B A |
| 776726 | xxxxxx | xxxxxx C B A |
| 776728 | xxxxxx | xxxxxx C A B |
| 776730 | xxxxxx | xxxxxx C B A |
| 776732 | xxxxxx | xxxxxx C B A |
| 776733 | xxxxxx | xxxxxx D B A |
| 776734 | xxxxxx | xxxxxx D B A |
| 776739 | xxxxxx | xxxxxx C D A B |
| 776740 | xxxxxx | xxxxxx D B A |
| 776768 | xxxxxx | xxxxxx C A B |
| 776770 | xxxxxx | xxxxxx D A B |
| 776771 | xxxxxx | xxxxxx D A C |
| 776773 | xxxxxx | xxxxxx D A B |
| 776774 | xxxxxx | xxxxxx C A B |
| 776776 | xxxxxx | xxxxxx D A B |
| 776785 | xxxxxx | xxxxxx D B A |
| 776789 | xxxxxx | xxxxxx D A B |
| 776794 | xxxxxx | xxxxxx D A B |
| 776798 | xxxxxx | xxxxxx D A B |
| 776800 | xxxxxx | xxxxxx D A B |
| 776803 | xxxxxx | xxxxxx D A B |
| 776804 | xxxxxx | xxxxxx B A |
| 776822 | xxxxxx | xxxxxx C A B |
| 777321 | xxxxxx | xxxxxx D A B |
| 777322 | xxxxxx | xxxxxx D A C B |
| 777445 | xxxxxx | xxxxxx D C B A |
| 777845 | xxxxxx | xxxxxx D C A B |
| 777898 | xxxxxx | xxxxxx C A B |
| 777957 | xxxxxx | xxxxxx B D A |
| 777964 | xxxxxx | xxxxxx C B A |
| 777968 | xxxxxx | xxxxxx C B A |
| 777969 | xxxxxx | xxxxxx B A |
| 777970 | xxxxxx | xxxxxx C B A |
| 777972 | xxxxxx | xxxxxx D B |
| 777980 | xxxxxx | xxxxxx B A |
| 777981 | xxxxxx | xxxxxx C B A |
| 777983 | xxxxxx | xxxxxx B A |
| 777989 | xxxxxx | xxxxxx C B A |
| 777991 | xxxxxx | xxxxxx D B A |
| 777992 | xxxxxx | xxxxxx C A B |
| 777995 | xxxxxx | xxxxxx D A B |
| 777998 | xxxxxx | xxxxxx C A D B |
| 778000 | xxxxxx | xxxxxx D A B |
| 778005 | xxxxxx | xxxxxx B C A |
| 778069 | xxxxxx | xxxxxx B A |
| 778273 | xxxxxx | xxxxxx C D A B |
| 778275 | xxxxxx | xxxxxx D A B |
| 778276 | xxxxxx | xxxxxx D B C |
| 778277 | xxxxxx | xxxxxx D A B |
| 778279 | xxxxxx | xxxxxx D A B |
| 778280 | xxxxxx | xxxxxx D B A |
| 778282 | xxxxxx | xxxxxx C D A B |
| 778286 | xxxxxx | xxxxxx C A B |
| 778288 | xxxxxx | xxxxxx C D A B |
| 778294 | xxxxxx | xxxxxx C A B |
| 778391 | xxxxxx | xxxxxx D A B |
| 778510 | xxxxxx | xxxxxx C D B |
| 778529 | xxxxxx | xxxxxx D A B |
| 778551 | xxxxxx | xxxxxx D A |
| 778575 | xxxxxx | xxxxxx C A B |
| 778583 | xxxxxx | xxxxxx B A |
| 778584 | xxxxxx | xxxxxx D B A |
| 778625 | xxxxxx | xxxxxx D A B |
| 778659 | xxxxxx | xxxxxx D C B A |
| 778719 | xxxxxx | xxxxxx C B A |
| 778720 | xxxxxx | xxxxxx D A B |
| 778723 | xxxxxx | xxxxxx D A B |
| 778724 | xxxxxx | xxxxxx C A B |
| 778726 | xxxxxx | xxxxxx D A B |
| 778727 | xxxxxx | xxxxxx D A B |
| 778729 | xxxxxx | xxxxxx C A B |
| 778731 | xxxxxx | xxxxxx C A B |
| 778732 | xxxxxx | xxxxxx D C B A |
| 778734 | xxxxxx | xxxxxx B C A |
| 778744 | xxxxxx | xxxxxx D B A |
| 778745 | xxxxxx | xxxxxx C A B |
| 778746 | xxxxxx | xxxxxx C A B |
| 778751 | xxxxxx | xxxxxx D A B |
| 778752 | xxxxxx | xxxxxx D A B |
| 778761 | xxxxxx | xxxxxx D B A |
| 778767 | xxxxxx | xxxxxx D C A |
| 778770 | xxxxxx | xxxxxx C B A |
| 778771 | xxxxxx | xxxxxx B A |
| 778773 | xxxxxx | xxxxxx C D A B |
| 778774 | xxxxxx | xxxxxx D A B |
| 778775 | xxxxxx | xxxxxx C B A |
| 778776 | xxxxxx | xxxxxx C B A |
| 778777 | xxxxxx | xxxxxx D B C A |
| 778779 | xxxxxx | xxxxxx C A B |
| 778780 | xxxxxx | xxxxxx B A |
| 778781 | xxxxxx | xxxxxx C A B |
| 778784 | xxxxxx | xxxxxx D A B |
| 778785 | xxxxxx | xxxxxx B C A |
| 778787 | xxxxxx | xxxxxx D B A |
| 778788 | xxxxxx | xxxxxx D B A |
| 778790 | xxxxxx | xxxxxx C D A B |
| 778792 | xxxxxx | xxxxxx D A B |
| 778797 | xxxxxx | xxxxxx C B A |
| 778798 | xxxxxx | xxxxxx D B |
| 778802 | xxxxxx | xxxxxx D B A |
| 778806 | xxxxxx | xxxxxx D B A |
| 778981 | xxxxxx | xxxxxx B A |
| 779046 | xxxxxx | xxxxxx D A B |
| 779176 | xxxxxx | xxxxxx B A |
| 779258 | xxxxxx | xxxxxx C A B |
| 779494 | xxxxxx | xxxxxx C B A |
| 779496 | xxxxxx | xxxxxx C A B |
| 779499 | xxxxxx | xxxxxx C A |
| 779521 | xxxxxx | xxxxxx D A C B |
| 779578 | xxxxxx | xxxxxx D B A |
| 779619 | xxxxxx | xxxxxx D A B |
| 779622 | xxxxxx | xxxxxx D A B |
| 779624 | xxxxxx | xxxxxx D B A |
| 779812 | xxxxxx | xxxxxx C A B |
| 780117 | xxxxxx | xxxxxx D A B |
| 780122 | xxxxxx | xxxxxx C A |
| 780181 | xxxxxx | xxxxxx D A |
| 780215 | xxxxxx | xxxxxx D A B |
| 780240 | xxxxxx | xxxxxx B A |
| 780244 | xxxxxx | xxxxxx B A |
| 780292 | xxxxxx | xxxxxx D A B |
| 780310 | xxxxxx | xxxxxx D C B A |
| 780315 | xxxxxx | xxxxxx D A B |
| 780317 | xxxxxx | xxxxxx C A B |
| 780334 | xxxxxx | xxxxxx D A |
| 780357 | xxxxxx | xxxxxx A |
| 780395 | xxxxxx | xxxxxx C A |
| 780443 | xxxxxx | xxxxxx B A |
| 780489 | xxxxxx | xxxxxx D A C B |
| 780498 | xxxxxx | xxxxxx A |
| 780500 | xxxxxx | xxxxxx D A B |
| 780549 | xxxxxx | xxxxxx D B A |
| 780550 | xxxxxx | xxxxxx D A C B |
| 780558 | xxxxxx | xxxxxx D A B |
| 780559 | xxxxxx | xxxxxx D A B |
| 780584 | xxxxxx | xxxxxx A D B |
| 780620 | xxxxxx | xxxxxx C A B |
| 780680 | xxxxxx | xxxxxx C A B |
| 780717 | xxxxxx | xxxxxx D A |
| 780814 | xxxxxx | xxxxxx B A |
| 780828 | xxxxxx | xxxxxx D A C |
| 780829 | xxxxxx | xxxxxx D C A B |
| 780834 | xxxxxx | xxxxxx D A B |
| 780925 | xxxxxx | xxxxxx C A B |
| 780944 | xxxxxx | xxxxxx A |
| 781052 | xxxxxx | xxxxxx B A |
| 781066 | xxxxxx | xxxxxx D A B |
| 781079 | xxxxxx | xxxxxx C A B |
| 781081 | xxxxxx | xxxxxx B A |
| 781084 | xxxxxx | xxxxxx C A B |
| 781092 | xxxxxx | xxxxxx A |
| 781097 | xxxxxx | xxxxxx D A |
| 781098 | xxxxxx | xxxxxx B A |
| 781107 | xxxxxx | xxxxxx A |
| 781124 | xxxxxx | xxxxxx D C A B |
| 781135 | xxxxxx | xxxxxx C A B |
| 781153 | xxxxxx | xxxxxx B A |
| 781264 | xxxxxx | xxxxxx C A B |
| 781268 | xxxxxx | xxxxxx C A B |
| 781294 | xxxxxx | xxxxxx D B A |
| 781296 | xxxxxx | xxxxxx C A |
| 781299 | xxxxxx | xxxxxx D B C A |
| 781300 | xxxxxx | xxxxxx D B C A |
| 781301 | xxxxxx | xxxxxx D A C B |
| 781303 | xxxxxx | xxxxxx D A B |
| 781304 | xxxxxx | xxxxxx C A B |
| 781306 | xxxxxx | xxxxxx B A C |
| 781310 | xxxxxx | xxxxxx D C B A |
| 781311 | xxxxxx | xxxxxx C A B |
| 781313 | xxxxxx | xxxxxx B A |
| 781314 | xxxxxx | xxxxxx B A C |
| 781316 | xxxxxx | xxxxxx C A B |
| 781318 | xxxxxx | xxxxxx B A C |
| 781319 | xxxxxx | xxxxxx D B A |
| 781321 | xxxxxx | xxxxxx B A C |
| 781323 | xxxxxx | xxxxxx C A B |
| 781326 | xxxxxx | xxxxxx D A C B |
| 781327 | xxxxxx | xxxxxx C A B |
| 781328 | xxxxxx | xxxxxx D A C B |
| 781330 | xxxxxx | xxxxxx B A C |
| 781331 | xxxxxx | xxxxxx D A B |
| 781337 | xxxxxx | xxxxxx C A B |
| 781338 | xxxxxx | xxxxxx D C B A |
| 781341 | xxxxxx | xxxxxx B A C |
| 781342 | xxxxxx | xxxxxx C A B |
| 781420 | xxxxxx | xxxxxx A |
| 781513 | xxxxxx | xxxxxx D A |
| 781535 | xxxxxx | xxxxxx D A C B |
| 781537 | xxxxxx | xxxxxx D C A |
| 781542 | xxxxxx | xxxxxx B A |
| 781550 | xxxxxx | xxxxxx C A D B |
| 781553 | xxxxxx | xxxxxx B A |
| 781577 | xxxxxx | xxxxxx D A B |
| 781578 | xxxxxx | xxxxxx C A B |
| 781580 | xxxxxx | xxxxxx B A C |
| 781582 | xxxxxx | xxxxxx C A B |
| 781584 | xxxxxx | xxxxxx D A C B |
| 781585 | xxxxxx | xxxxxx A D B |
| 781586 | xxxxxx | xxxxxx B A C |
| 781587 | xxxxxx | xxxxxx A C |
| 781591 | xxxxxx | xxxxxx D A B |
| 781593 | xxxxxx | xxxxxx C A B |
| 781594 | xxxxxx | xxxxxx A C B |
| 781598 | xxxxxx | xxxxxx D C B A |
| 781600 | xxxxxx | xxxxxx D A |
| 781612 | xxxxxx | xxxxxx B A C |
| 781614 | xxxxxx | xxxxxx B A |
| 781633 | xxxxxx | xxxxxx D A C |
| 781678 | xxxxxx | xxxxxx D A C |
| 781692 | xxxxxx | xxxxxx A |
| 781694 | xxxxxx | xxxxxx D A |
| 781766 | xxxxxx | xxxxxx D A B |
| 781792 | xxxxxx | xxxxxx D C A |
| 781865 | xxxxxx | xxxxxx A |
| 781898 | xxxxxx | xxxxxx D A B |
| 781919 | xxxxxx | xxxxxx C A B |
| 781936 | xxxxxx | xxxxxx B A |
| 781951 | xxxxxx | xxxxxx C A B |
| 781978 | xxxxxx | xxxxxx B A |
| 782011 | xxxxxx | xxxxxx D A C B |
| 782022 | xxxxxx | xxxxxx D A B |
| 782035 | xxxxxx | xxxxxx D A B |
| 782036 | xxxxxx | xxxxxx D B A |
| 782046 | xxxxxx | xxxxxx C A B |
| 782063 | xxxxxx | xxxxxx C A B |
| 782099 | xxxxxx | xxxxxx C B A |
| 782444 | xxxxxx | xxxxxx A |
| 782607 | xxxxxx | xxxxxx C A |
| 782610 | xxxxxx | xxxxxx A B |
| 782616 | xxxxxx | xxxxxx C A B |
| 782617 | xxxxxx | xxxxxx D A B |
| 782618 | xxxxxx | xxxxxx A |
| 782619 | xxxxxx | xxxxxx C A B |
| 782620 | xxxxxx | xxxxxx D A B |
| 782624 | xxxxxx | xxxxxx A |
| 782625 | xxxxxx | xxxxxx B A |
| 782628 | xxxxxx | xxxxxx A B |
| 782632 | xxxxxx | xxxxxx D A |
| 782640 | xxxxxx | xxxxxx C A B |
| 782647 | xxxxxx | xxxxxx C A B |
| 782664 | xxxxxx | xxxxxx D A C |
| 782669 | xxxxxx | xxxxxx A |
| 782671 | xxxxxx | xxxxxx A C |
| 782713 | xxxxxx | xxxxxx D A B |
| 782714 | xxxxxx | xxxxxx D A |
| 782719 | xxxxxx | xxxxxx D A B |
| 782721 | xxxxxx | xxxxxx D A B |
| 782735 | xxxxxx | xxxxxx D A B |
| 782741 | xxxxxx | xxxxxx C A B |
| 782847 | xxxxxx | xxxxxx D A B |
| 783468 | xxxxxx | xxxxxx C A |
| 783471 | xxxxxx | xxxxxx C A B |
| 783473 | xxxxxx | xxxxxx D A |
| 1000055550 | xxxxxx | xxxxxx D B A |
| 1000055643 | xxxxxx | xxxxxx D A B |
| 1000055655 | xxxxxx | xxxxxx B C A |
| 780316 | xxxxxx | xxxxxx B C A |
| 781208 | xxxxxx | xxxxxx D A B |
| 782637 | xxxxxx | xxxxxx D A C B |
| 782651 | xxxxxx | xxxxxx D A C B |
| 783311 | xxxxxx | xxxxxx C A B |
| 783475 | xxxxxx | xxxxxx C A B |

---

## Exhibit 99.30

**EXHIBIT 99.30**

 **Clarifii DATA COMPARE REPORT**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 771855 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Address per note and security instrument. |
| 771855 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | City per note and security instrument. |
| 771855 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Rider attached. |
| 774023 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 774023 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.96 | 21.00 | Audit DTI based on income of $43,875.18. |
| 774033 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per Appraisal |
| 774074 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Appraised value is $xxxxxx per appraisal in file. |
| 774074 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 78.95 | 79.37 | Appraised value is $xxxxxx per appraisal in file. Tape Data is $xxxxxx |
| 774074 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 78.95 | 79.37 | Appraised value is $xxxxxx per appraisal in file. Tape Data is $xxxxxx |
| 774074 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.96 | 5.92 | Tape Data unknown. Debt $4644.54/$31042.84 income = 14.96% DTI |
| 774176 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and Appraisal subject property is in a PUD |
| 774327 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 90 | 85.91 | per 1008 90% LTV, xxxxxx X90 =xxxxxx. xxxxxx / xxxxxx = 90% |
| 774327 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 90 | 85.91 | per 1008 90% LTV, xxxxxx X90 = xxxxxx. xxxxxx / xxxxxx = 90% |
| 774333 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is a PUD per title commitment |
| 774333 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 85 | 81.62 | Loan amount $xxxxxx/Sales Price $xxxxxx = 85% LTV |
| 774333 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 85 | 81.62 | Loan amount $xxxxxx/Sales Price $xxxxxx = 85% LTV |
| 774337 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Subject is one unit per appraisal |
| 774337 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 60 | 57.69 | Loan Amount $xxxxxx/Sales Price $xxxxxx= 60% LTV |
| 774337 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 60 | 57.69 | Loan Amount $xxxxxx/Sales Price $xxxxxx = 60% LTV |
| 774343 | xxxxxx | xxxxxx | Interest Only Flag | notePage | true | No | Per Note fixed with 10 year interest only. |
| 774343 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 89.80 | CLTV 80%= Loan amount $xxxxxx/ Appraised value $xxxxxx |
| 774343 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 89.80 | LTV 80%= Loan amount $xxxxxx/ Appraised value $xxxxxx |
| 774345 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 74.67 | 80% CLTV is based on $xxxxxx purchase price rather than $xxxxxx appraised value. |
| 774345 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 74.67 | 80% LTV is based on $xxxxxx purchase price rather than $xxxxxx appraised value. |
| 774345 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.12 | 13.97 | DTI based on income of $173,410.35. |
| 774361 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note first payment xxxxxx |
| 774361 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note maturity date xxxxxx. |
| 774361 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Per Appraisal number of units 1. |
| 774361 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 730 | 779 | Lender qualifying score 779 based on CR dated 10/7/2021. CR expired. Qualifying score 730 based on CR dated 2/1/2022. |
| 774361 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.77 | 27.84 | Lender DTI 27.84%; Reviewer DTI 37.77%. Variance as PITI higher include taxes and insurance as escrowed per CD and docs in file. Other debts higher as per most CR 2/1/2022 in file . Lender debts as per original CR 10/7/2021. Also, income lower than lender as did not exclude large unsourced deposits. Lastly, Reviewer DTI accounting for 2 additional IRS tax lien payments that lender accounted for. |
| 774363 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note first payment date isJxxxxxx |
| 774363 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note maturity date is xxxxxx |
| 774363 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Subject property is a 1 unit |
| 774363 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.16 | 45.46 | Borrower paid off xxxxxx on xxxxxx before closing after credit report dated xxxxx |
| 774364 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per note xxxxxx |
| 774364 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | per note xxxxxx |
| 774364 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | per appraisal 1 unit |
| 774364 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 71.25 | loan amount xxxxxx / sales price xxxxxx = 75% |
| 774364 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 71.25 | loan amount xxxxxx / sales price xxxxxx = 75% |
| 774364 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.36 | 12.00 | Audit calculated income of $11,459.36, Unable to determine income Lender used, 1008 and 1003 reflect $13,978.00, income worksheet reflects $12,491.28 |
| 774365 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note first payment date is xxxxxx |
| 774365 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note maturity date xxxxxx |
| 774365 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Per appraisal SFR |
| 774368 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per the Note, first payment date is xxxxxx |
| 774368 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per the Note, maturity date is xxxxxx |
| 774369 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | 1st pay date is xxxxxx per note. |
| 774369 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity date is xxxxxx per note. |
| 774369 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Subject is one unit per appraisal. |
| 774369 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 22.73 | 22.68 | 22.73% based on purchase price of xxxxxx. |
| 774369 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 22.73 | 22.68 | 22.73% based on purchase price of xxxxxx. |
| 774369 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 54.77 | 48.19 | Lender did not add in the taxes/ins from REO |
| 774370 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | xxxxxx per note. |
| 774370 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | xxxxxx per note. |
| 774370 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Only 1 unit per appraisal. |
| 774370 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 90 | 71.01 | 90% based on purchase price. |
| 774370 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 90 | 71.01 | 90% based on purchase price. |
| 774370 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.45 | 38.42 | Audit income based on documented deposits. |
| 774371 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Mortgage, Title and Appraisal, subject is a PUD |
| 774376 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Note dated xxxxxx, per Note 1st payment is xxxxxx |
| 774376 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | per Note maturity is xxxxxx |
| 774376 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | per appraisal subject is one unit |
| 774376 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 78.75 | LTV 80% based on purchase price |
| 774376 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 78.75 | LTV 80% based on purchase price |
| 774376 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.56 | 38.89 | unable to determine source of lender DTI. It appears they may have accounted for PITIA in departure residence which closed 1 day prior to subject purchase. |
| 774377 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 90 | 87.50 | LTV was calculated based upon sale price (xxxxxx) versus the appraised value (xxxxxx) used by the lender. |
| 774377 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 90 | 87.50 | LTV was calculated based upon sale price (xxxxxx) versus the appraised value (xxxxxx) used by the lender. |
| 774378 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal and Mortgage PUD. |
| 774380 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per the appraisal |
| 774380 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 77.56 | Loan amount $xxxxxx/$xxxxxx sales price = 80% LTV |
| 774380 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 77.56 | Loan amount $xxxxxx/$xxxxxx sales price = 80% LTV |
| 774381 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note, first payment date is xxxxxx |
| 774381 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity date per Note is xxxxxx |
| 774381 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Subject property is 1 unit |
| 774385 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | - Per mortgage and 1004 property is a PUD |
| 774385 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 90 | 86.40 | loan amount xxxxxx / xxxxxx sales price = 90% |
| 774385 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 90 | 86.40 | loan amount xxxxxx / xxxxxxsales price = 90% |
| 774386 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.32 | 22.44 | Lender included xxxxxx Auto monthly payment $750 however this only has 5 payment left and it not a lease |
| 774392 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | xxxxxx is 1st pay date per note. |
| 774392 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | xxxxxx per note. |
| 774392 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Only 1 unit per appraisal. |
| 774392 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.43 | 27.21 | 47.43% includes B2's liabilities. Only B1's debt paid on CD. |
| 774392 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Debt Consolidation | Cash Out - Other | Refi was for debt consolidation. B1's debts paid. |
| 774393 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note xxxxxx |
| 774393 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per notexxxxxx |
| 774393 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | - Per 1004 subject is 1 unit |
| 774399 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 70.00 | 80% LTV is based on Sales Price |
| 774399 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 70.00 | 80% LTV is based on Sales Price |
| 774400 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 77.97 | 80% using lower purchase price. |
| 774400 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 77.97 | 80% using lower purchase price. |
| 774402 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per executed note in file 1st payment date is xxxxxx |
| 774402 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per executed note in file maturity date is xxxxxx |
| 774403 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Note first payment date is xxxxxx |
| 774403 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is a PUD per Title, Mortgage and Appraisal |
| 774404 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title, Appraisal and Rider in file subject property is an Attached SFR in a PUD |
| 774415 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Per appraisal 1 unit |
| 774416 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Per appraisal in file subject is a Attached SFR end unit. |
| 774422 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title, Appraisal and Rider in file subject is a detached SFR in a PUD. |
| 774422 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 72.57 | Tape Data is base on appraisal value of $xxxxxx. True Data is base on purchase price $xxxxxx |
| 774422 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 72.57 | Tape Data is base on appraisal value of $xxxxxx. True Data is base on purchase price $xxxxxx |
| 774422 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.58 | 8.03 | Lender 1008 reflects $25776.45 in income. Lender income worksheet reflects $10065.61 with review worksheet calculating $10053.11. Used review worksheet to qualify. |
| 774425 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and Appraisal subject is in a PUD |
| 774425 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.72 | 49.96 | Originator did not remove transfer deposits and large deposits from income calculation |
| 774426 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | 1 unit per appraisal. |
| 774426 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.62 | 16.10 | 22.62% based on $15,561.05 income after deduction of non-qualifying deposits. |
| 774429 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 90 | 88.41 | Tape Data is based on appraisal value or $xxxxxx/$xxxxxx = 88.41%. True Value based on purchase price or $xxxxxx/xxxxxx = 90% |
| 774429 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 90 | 88.41 | Tape Data is based on appraisal value or $xxxxxx/$xxxxxxx = 88.41%. True Value based on purchase price or $xxxxxx/xxxxxx = 90% |
| 774435 | xxxxxx | xxxxxx | Interest Only Flag | notePage | true | No | IO for 120 months |
| 774435 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Per appraisal; 1 unit SFD |
| 774435 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 79.93 | CLTV based on Sales price |
| 774435 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 79.93 | LTV based on Sales price |
| 774441 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 90 | 86.94 | Tape Data is based on Appraised value of $xxxxxx and Audit Data is bases on purchase price of $xxxxxx |
| 774441 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 90 | 86.94 | Tape Data is based on Appraised value of $xxxxxx and Audit Data is bases on purchase price of $xxxxxx |
| 774442 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Verified 1-unit condo per appraisal in file |
| 774442 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 73.72 | Verified sales price used to calculate LTV/CLTV; matches 1008 |
| 774442 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 73.72 | Verified sales price used to calculate LTV/CLTV; matches 1008 |
| 774447 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per 1025 this is a 2 unit |
| 774449 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Per Appraisal 1 unit. |
| 774913 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | W2/1099 Verified | 24 Mo. Personal Bank Statements | Audit used W2/1099 documents provided for income calculation |
| 775013 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 765 | 788 | Per CR dated 9/29/2022 qualifying middle score 765. |
| 775079 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | PPP Addendum to Note in file. |
| 775079 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | ALT DOC | 24 Mo. Personal Bank Statements | 12 Mo Business Bank stmt, wage income , and asset utilization |
| 775135 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.68 | 48.13 | Tape Data based on P&I payment of $34,041.78, which is higher than note fully amortized P&I |
| 775181 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 311596.51 | $1.00 | Per CD cash to Borrower $3378.69 and paying off BK 13 installment loan $xxxxxx. |
| 775181 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Per Mortgage MIN xxxxxx. |
| 775419 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Note and Deed of Trust include prepayment penalty Rider. |
| 775419 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | SFR | PUD per title and Rider attached. |
| 775419 | xxxxxx | xxxxxx | Reviewed Total Housing Expense PITIA | diligenceFinalLookPage | 2904.75 | $2913.25 | Based on escrow and P & I |
| 775505 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Audit data from Deed of Trust. |
| 775510 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | DSCR per approval and loan documents. |
| 775510 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Audit data per mortgage. |
| 775527 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Per Tape MIN xxxxxx does not match MIN on Mortgage. |
| 775527 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Appraised value $xxxxxx; CDA value $xxxxxx. |
| 775527 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note City xxxxxx. |
| 775527 | xxxxxx | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 10.83 | 14.17 | Primary residence PITIA $5828.28/ Income $53832 =10.83%. |
| 775594 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | 356117.02 | 575000.00 | Per CD cash to borrower $356117.02. |
| 775594 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD closing date xxxxxx and Disbursement date xxxxxx |
| 775594 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Min xxxxxx on Deed of trust does not match Tape MIN. |
| 775705 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Per Fixed/Adjustable Rate Rider max cap rate 5%. |
| 775705 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 SSN xxxxxx. |
| 775705 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Fixed/Adjustable Rate Rider Margin 5%. |
| 775705 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.32 | 35.00 | Qualifying DTI 21%= Total debts $23757.83/ Income $111451.16. |
| 775708 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 783 | 781 | Mid fico is 783. Credit was reran on 8/17 |
| 775736 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.88 | 32.944 | DTI 28.20%= Total debt $27,454.75/ Income $91888. 1008 reflect DTI 29.33% . |
| 775758 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | MIN xxxxxx on Deed of Trust does not match Tape MIN. |
| 775994 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 48477.03 | 70516.00 | Cash out $48477.03 include cash to borrower and payoff to xxxxxx and xxxxxx |
| 775994 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Deed of Trust reflect MIN |
| 776237 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Using Note date xxxxxx2 |
| 776237 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Appraised value is $xxxxxx and Sales Price is xxxxxx. |
| 776237 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 38.1 | 37.28 | Based on Appraised value of $xxxxxx |
| 776237 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 38.1 | 37.28 | Based on Appraised value of $xxxxxx |
| 776658 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Verified with the appraisal |
| 776659 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.32 | 44.99 | Appraised value is $xxxxxx and Sales Price is xxxxxx. |
| 776660 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD Rider included and HOA fee. |
| 776667 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Verified with appraisal |
| 776675 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per Title and Appraisal in file. |
| 776675 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is purchase price and $xxxxxx appraised value. |
| 776682 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Mortgage and Title PUD. |
| 776685 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| 776691 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.89 | 47.40 | Audit used 0.5% of student loans, Lender used 1.0% |
| 776692 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per 1025 appraisal subject is a 2 unit property |
| 776698 | xxxxxx | xxxxxx | Interest Only Flag | notePage | true | FALSE | Interest only loan per the rate rider and Note |
| 776698 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.94 | 33.13 | Verified with the 1008. The lender qualified PITI at the fully indexed rate over the 360 months and not 276 per guidelines. |
| 776701 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.83 | 40.60 | Audit Data 53.83% qualifying PITI DTI. Tape Data 40.60% is I/O TI DTI |
| 776701 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is purchase price and $xxxxxx appraised value. |
| 776714 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.97 | 40.05 |  |
| 776724 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Verified subject is located in a PUD per Appraisal and Title |
| 776724 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.57 | 34.27 | Audit REO calculation: xxxxxx REO (departing) Lease is 5500 \* .75 = 4,125. P&I is 3296. Hazard is 2743 / 12 = xxxxxx. Taxes are xxxxxx / 6 = xxxxxx HOA is 68. Total Payment is xxxxxx. Net is (548.41). Lender = + $133.33<br> xxxxxx REO Lease 3800 \* .75 = 2850. P&I is 2599.68. Hazard is 1248.83 / 12 = xxxxxx Taxes xxxxxx / 6 = xxxxxx HOA is 75. Net is (261.57). Lender = - ($182.50) |
| 776725 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal PUD - S/D-End Unit |
| 776730 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | 2 units per appraisal. |
| 776734 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD Rider and PUD-Detached per Appraisal |
| 776739 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 69.83 | 75.00 | Tape Data is based on Desk Review value $xxxxxx. Audit Data is based on Contract sales price/appraisal value $xxxxxx. |
| 776739 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 69.83 | 75.00 | Tape Data is based on Desk Review value $xxxxxx. Audit Data is based on Contract sales price/appraisal value $xxxxxx. |
| 776739 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Sale price is $xxxxxx per contract and final CD in file. Tape Data is Desk Review value. |
| 776770 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Verified with Title |
| 776770 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 739 | 754 | Verified with credit report |
| 776773 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | Investment | 1008 and Lock identify second home. |
| 776773 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 79.84 | 80% based on $xxxxxxpurchase price. |
| 776773 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 79.84 | 80% based on $xxxxxx purchase price. |
| 776773 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is purchase price. $xxxxxx appraised value. |
| 776785 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per title and HOA payment disclosed. |
| 776785 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is purchase price and $xxxxxx appraised value. |
| 776789 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 671 | 676 | 671 from credit report in file; matches 1008 |
| 776789 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Sales Price is $xxxxxx and Appraised value is $xxxxxx |
| 776798 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 85 | 83.37 | 85% based on $xxxxxx purchase price. |
| 776798 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 85 | 83.37 | 85% based on $xxxxxx purchase price. |
| 776798 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is purchase price. $xxxxxx is appraised value. |
| 776803 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.43 | 29.76 | DTI 34.43% based on $104k income. Audit excluded other income of $175k since could not determine if one-time or recurring. |
| 776804 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 620 | 676 | Tape Data FICO is Primary wage earner [B1]. True Data is lower mid FICO [B2] required to be used per Achiever guidelines. |
| 776804 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.28 | 35.75 | Audit did not use Schedule C income to qualify [$487.42] due to income documents were not in file. Allowable DTI 50% |
| 776822 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is appraised value and $xxxxxx purchase price. |
| 776822 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.56 | 48.20 | Audit data based on income of $8,735.25. |
| 777321 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | W2/1099 Verified | 24 Month Bank Statement | Verified 1008 - Alt Doc 1099 - 2 years |
| 777445 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Document | 12 month business bank statement used for income qualifying. |
| 777845 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.49 | 47.07 | xxxxxx xxxxxx charge off not showing as being paid off at close (xxxxxx) and xxxxxx of xxxxxx not included in DTI. Audit included xxxxxx payment for xxxxxxand for xxxxxx in DTI xxxxxx |
| 777898 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Notes reports xxxxxx |
| 777957 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Verified with appraisal, contract and 1008 |
| 777964 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | xxxxxx | Per appraisal and title property type is PUD. Tape value shows SFR. |
| 777964 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per addendum final sales price is $xxxxxx. Tape data shows Appraisal value $xxxxxx |
| 777968 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 78.26 | 80.00 | Tape Data of 80% based on appraised value of $xxxxxx. Actual appraised value of $xxxxxx equates to CLTV of 80% |
| 777968 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 78.26 | 80.00 | Tape Data of 80% based on appraised value of $xxxxxx. Actual appraised value of $xxxxxxequates to LTV of 80% |
| 777969 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape Data is appraisal value. Audit Data is purchase price per contract. |
| 777970 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per Appraisal and Title |
| 777981 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per Appraisal and Title. |
| 777983 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.84 | 48.96 | DTI difference from auditor is due to lender double counting taxes/insurance on departure property and rental. Amounts were escrowed, not necessary to count in rent calculations. |
| 777989 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Minimum | notePage | 4 | 5.9990 | Tape Data 5.99% is the initial fixed rate for 84 months. Audit Data is Lifetime Interest Minimum Rate per Note or 4%. |
| 777991 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Minimum | notePage | 4 | 7.7500 | Per executed note in file lifetime interest minimum is 4.0%. Tape Data is initial interest rate. |
| 777991 | xxxxxx | xxxxxx | Margin | notePage | 4 | 4.500 | per Note margin is 4%. Tape Data source is unknown |
| 777992 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Minimum | notePage | 4 | 6.5000 | Tape Data is initial rate. Audit Data is Lifetime minimum rate Verified with the ARM note. |
| 777992 | xxxxxx | xxxxxx | Margin | notePage | 4 | 4.500 | Tape Data is from unknown. Audit Data is Margin rate Verified with the ARM note. |
| 777992 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD Verified with the appraisal and Title |
| 777995 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Minimum | notePage | 4 | 7.5000 | Per executed note in file, Tape Data is initial rate. Audit Data is ARM Lifetime Interest Rate Minimum. |
| 777995 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.8 | 45.52 | Audit 49.8% DTI using $xxxxxx P&I from note. Lender's P&I $xxxxxx. Updated- Increased consumer debt on refresh report provided |
| 777998 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Minimum | notePage | 4 | 6.9990 | Per executed note in file Lifetime Interest Rate Minimum is 4% |
| 777998 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.83 | 26.14 | Audit value includes full PITIA for subject property. |
| 778000 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.89 | 44.49 | 49.89% includes new auto loan opened 06/2022 with $1309 payment and updated higher HOI premium. Also, audit income is $33,674.15 versus lender's $35,581.68. |
| 778005 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Minimum | notePage | 4 | 6.9990 | Per executed note in file Lifetime Interest Rate Minimum is 4% |
| 778069 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Per note rate cap is 5% |
| 778069 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per note margin is 5% |
| 778069 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.46 | 46.00 | Audit calculated income at 15.03% 1008 matches Audit |
| 778273 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Debt Consolidation | Cash Out - Other | Verified consumer debts paid off on CD |
| 778275 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD Rider provided and HOA disclosed. |
| 778276 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.38 | 51.52 | Audit value based income of $77,388.43 and debt of $31,803.25. Audit used I/O & T&I payment to qualify per guidelines. Tape Data used Full P&I + T&I payment to qualify. |
| 778277 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Note signed as xxxxxx |
| 778277 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Note date shows first payment date of xxxxxx |
| 778277 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity date is xxxxxx per Note |
| 778277 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 73 | 71.45 | Loan amount $xxxxxx and purchase price $xxxxxx equates to a 73% CLTV. |
| 778277 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 754 | 765 | Per credit report mid score is 754. |
| 778277 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 73 | 71.45 | Loan amount $xxxxxx and purchase price $xxxxxx equates to a 73% LTV. |
| 778277 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Purchase contract shows sales price $xxxxxx. |
| 778279 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per Appraisal and Title. |
| 778280 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first payment date is xxxxxx |
| 778280 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per note maturity date is xxxxxx. |
| 778280 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and title property is an attached PUD. |
| 778280 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.38 | 44.73 | Audited DTI 36.38% using lender's income figure. |
| 778280 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Purchase agreement shows sales price of $xxxxxx. Tape Data is appraised value. |
| 778282 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 85 | 81.78 | The tape LTV was calculated based upon the appraised value rather than the sale price |
| 778282 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 85 | 81.78 | The tape LTV was calculated based upon the appraised value rather than the sale price |
| 778282 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.64 | 27.34 | Confirmed with 1008. Within 2% tolerance. |
| 778282 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape data contains the appraised value. |
| 778286 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first payment date is xxxxxx |
| 778286 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per note maturity date is xxxxxx. |
| 778294 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Verified with the note |
| 778294 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Verified with note |
| 778391 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per note. |
| 778510 | xxxxxx | xxxxxx | Loan Amount/Draw Amount | notePage | xxxxxx | xxxxxx | Per Note loan amount $xxxxxx. |
| 778510 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 52.98 | 59.46 | CLTV 52.98%= Loan amount $xxxxxx/ Appraised value $xxxxxx Data based on loan amount $xxxxxx |
| 778510 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 52.98 | 59.46 | LTV 52.98%= Loan amount $xxxxxx/ Appraised value $xxxxxx. Tape Data based on loan amount $xxxxxx |
| 778529 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and title property is located in a PUD. |
| 778551 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | 98861.57 | 87466.00 | $98,861.57 per PCCD, |
| 778551 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | DSCR loan |
| 778551 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Audit value per DOT. |
| 778575 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per CD sales price $xxxxxx and Appraised value $xxxxxx. |
| 778583 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per Appraisal and Mortgage. |
| 778583 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 728 | 729 | Per CR dated 9/22/2022 qualifying mid score 728. |
| 778584 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note first payment date xxxxxx. |
| 778584 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.13 | 15.00 | Calculated DTI 25% = PITIA $$10,065.6+ Other REO loss $3,023.37 + other debt $3246.98/Income $$65,002.80. |
| 778659 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 63.33 | 64.77 | CLTV 63.33= l/A $xxxxxx Value $xxxxxx Lender eligibility review reflect CLTV 63.33%. |
| 778659 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 666 | 665 | Qualifying credit score 655 per CR only Borrower. |
| 778659 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 63.33 | 64.77 | LTV 63.33= l/A $xxxxxx/ Value $xxxxxx. Lender eligibility review reflect LTV 63.33%. |
| 778719 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Verified with mortgage and appraisal |
| 778723 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD Rider attached and HOA confirmed. |
| 778727 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.46 | 49.29 |  |
| 778729 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal property is an attached SFR. |
| 778732 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 66.67 | 59.57 |  |
| 778732 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 66.67 | 59.57 |  |
| 778745 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per Appraisal |
| 778767 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and title, property is located in a PUD. |
| 778773 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.09 | 38.44 | Tape Data income calculated higher than audit. Tape Data did not count student loans in DTI used $0 for payment, must use .50% of loan outstanding balance. |
| 778774 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.84 | 46.28 |  |
| 778775 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per Title, Appraisal, Rider attached and HOA fee confirmed. |
| 778776 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Subject is semi-detached/end unit |
| 778788 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal and Mortgage PUD. |
| 778788 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD Sales price $xxxxxx and Appraised value $xxxxxx |
| 778790 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Verified with the appraisal. Attached SFR. |
| 779046 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 87031.42 | 211519.00 | Net cash out is $87,031.42 after paying ex-spouse. |
| 779046 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Tape data does not match actual MIN on mortgage. |
| 779176 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Settlement date per final CD, note and notary xxxxxx |
| 779176 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | per Mtg |
| 779176 | xxxxxx | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 31.79 | 27.67 | Audit qualified with P&I payment $11908.44. Tape Data qualified with I/O payment $10113.94 |
| 779496 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.57 | 42.42 | Lender did not calculate property taxes using 1.25% of sales price for CA purchase. |
| 779521 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.54 | 48.56 | DT 76% = Subject loss $743+ Other REO loss $484 + PR PITIA $2018.81+ other debt $4554/ Income $10,132.11.<br> lender excluded xxxxxxPITIA for primary residence (xxxxxx) and other rev debt. \*\*\*Stips received final CD for primary cash out refinance paying off consumer debt |
| 779578 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.16 | 31.73 | Missing Lender income worksheet. Audit confirmed income of $17,909.70 excluding transferred deposits |
| 779622 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per DOT and appraisal, property is PUD |
| 779624 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title and mortgage in file, property is located in a PUD. |
| 779812 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | xxxxxx Min does not match MIN on Deed of Trust. |
| 780117 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Prepay addendum to note and prepay Rider to mortgage provided. |
| 780117 | xxxxxx | xxxxxx | Reviewed Total Housing Expense PITIA | diligenceFinalLookPage | 7405.65 | $7430.29 | Audit used 2022 tax bill rather than tax cert. |
| 780122 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.01 | 1.00 | Audit DSCR 1.01 with Tape Data of DSCR 1.00 |
| 780215 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per DOT and appraisal in file, property is PUD. |
| 780240 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per appraisal and title. |
| 780240 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.15 | 27.11 | Lease/1007 not provided for new investment purchase - other REO; qualified with full PITIA |
| 780292 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per appraisal and title. |
| 780315 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per appraisal and title |
| 780334 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per note margin is 6.5% |
| 780334 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 21.58 | 20.83 | Loan amount $xxxxxx/Appraised value $xxxxxx=21.58%. Tape Data is based on appraisal value. |
| 780334 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 21.58 | 20.83 | Loan amount $xxxxxx/Appraised value $xxxxxx=21.58%. Tape Data is based on appraisal value. |
| 780357 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first pay date is xxxxxx |
| 780357 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal property type is a detached PUD. |
| 780395 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | MIN xxxxxx on Mortgage does not match Tape xxxxxx |
| 780443 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | 24 Mo. Personal Bank Statements | Per work sheet, and 1008, 12 months business bank statements |
| 780489 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 72.89 | Audit Data 80% based on $xxxxxx loan amount and purchase price of $xxxxxx. Tape Data based on appraisal value $xxxxxx. |
| 780489 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 72.89 | Audit Data 80% based on $xxxxxx loan amount and purchase price of $xxxxxx. Tape Data based on appraisal value $xxxxxx |
| 780489 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is purchase price and $xxxxxx appraised value. |
| 780549 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Subject is a PUD |
| 780549 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 0 | 90.00 |  |
| 780549 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 0 | 90.00 |  |
| 780559 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal and mortgage PUD. |
| 780584 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.12 | 39.55 | Lender did not include verified rental income on departure residence - docs provided meet g/l requirements to use. |
| 780620 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Subject is an attached end unit |
| 780717 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | per Note |
| 780717 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 780814 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.39 | 36.02 | Audit Data DTI PITIA $2854.53 + Other debt $623 = $3477.53/$8402 = 41.29%. Tape matches 1008 |
| 780828 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 4 | Subject is 3 units |
| 780828 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per HUD, sales price is $xxxxxx. Tape Date is appraisal value. |
| 780829 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 387378.97 | 1.00 | Per final CD, non-mortgage debt paid at closing |
| 780829 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Tape MIN does not match MIN on Deed of Trust. |
| 780834 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per appraisal and title. |
| 780925 | xxxxxx | xxxxxx | Interest Only Term | notePage | 60 | 120 |  |
| 780925 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Margin per note is 5%. |
| 780925 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.71 | 5.21 | Audit back DTI is 29.88%. Unknown where tape data coming from since 1008 in file shows back DTI of 32.48% |
| 780944 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per Note and property docs in file |
| 780944 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.52 | 43.00 | matches 1008 DTI at 34.517% |
| 781052 | xxxxxx | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Per CPA letter and Articles of Inc. |
| 781052 | xxxxxx | xxxxxx | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Per CPA letter and Articles of Inc. |
| 781052 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.66 | 19.64 | Based on 1008 and 1003 it appears Lender did not include negative rent from other REO - Investment properties in DTI |
| 781066 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 55.8 | 55.87 | CLTV 55.80% =l/A $xxxxxx/ Sales price $xxxxxx Tape Data is base on appraisal value. |
| 781066 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 55.8 | 55.87 | LTV 55.80% =l/A $xxxxxx/ Sales price $xxxxxx. Tape Data is base on appraisal value. |
| 781066 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD and purchase agreement Sales price $xxxxxx. Tape Data is base on appraisal value. |
| 781081 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Per Note, lifetime rate cap maximum is 5% |
| 781081 | xxxxxx | xxxxxx | Margin | notePage | 4 | 2.000 | Per Note, Margin is 4.00% |
| 781081 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.11 | 36.58 | Matches DTI from 1008 |
| 781084 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 0 | 74.63 |  |
| 781092 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Per Note |
| 781092 | xxxxxx | xxxxxx | Margin | notePage | 4 | 2.000 | Per Note |
| 781092 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 797 | 790 | Lower of 2 scores from CBR is 797. |
| 781092 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 74.44 | 80.00 |  |
| 781097 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Maximum cap is 5% above interest rate |
| 781097 | xxxxxx | xxxxxx | Margin | notePage | 4 | 2.000 | Per Note, the Margin is 4.00% |
| 781097 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and PUD rider, property is a PUD. |
| 781098 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Per Note, lifetime cap is 5% |
| 781098 | xxxxxx | xxxxxx | Margin | notePage | 4 | 2.000 | Per Note, Margin is 4% |
| 781098 | xxxxxx | xxxxxx | Primary Appraised Property Value | diligenceFinalLookPage | xxxxxx | xxxxxx | Sales price $xxxxxx and Appraised value $xxxxxx |
| 781098 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.75 | 42.46 | DTI 42.46% based on an initial rate and P&I $4804.33; DTI 48.75% based fully amortized payment. |
| 781107 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Verified audit data Per note |
| 781107 | xxxxxx | xxxxxx | Margin | notePage | 4 | 2.000 | Verified audit data Per note |
| 781107 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per appraisal and title. |
| 781124 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.33 | 47.52 | Matches Lender 1008 and Approval |
| 781135 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal property type is a detached PUD. |
| 781135 | xxxxxx | xxxxxx | Sales Price | the1008Page | 0 | xxxxxx | Transaction is a cash out refinance not a purchase, there is no sales price. |
| 781153 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 4 | 1 | Per appraisal subject is a 4 unit |
| 781153 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal subject is a 4 unit |
| 781264 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 781264 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 199160.94 | 5000.00 | per Final CD |
| 781264 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | per DOT |
| 781264 | xxxxxx | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 25.73 | 29.62 | 25.727% per 1008 |
| 781264 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.99 | 33.52 | 41.486% per 1008 in file |
| 781268 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | 166532.97 | 102930.00 | Per PCCD dated xxxxxx total cash out plus debts paid is debts paid $77,312.18 + $89,220.79 cash in hand= $166,532.97. |
| 781268 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Per mortgage MIN# is xxxxxx |
| 781268 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 51.99 | 49.80 | Lender grossed up SSI, tax returns not in file to determine what percentage may be grossed up |
| 781294 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.91 | 46.07 | Audit Data matched lender 1008. Tape Data source unknown. |
| 781296 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Tape Data xxxxxx does not match Audit Data. |
| 781296 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.9 | 49.86 | Exception approval to use lower calculated student loans payments not provided - 1% used per guidelines. |
| 781310 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per Rider and HOA fee. |
| 781310 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.53 | 48.61 | Missing evidence that OC Tanner and Workiva are one and the same in order to use higher commission income |
| 781311 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and title property is located in a PUD. |
| 781313 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per 1025 appraisal subject is 2 Unit |
| 781313 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 32.61 | 25.77 | Audit/Lender CLTV is bases on required BPO Value $xxxxxx. Tape CLTV is based on Appraisal xxxxxx |
| 781313 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 32.61 | 25.77 | Audit/Lender LTV is bases on required BPO Value $xxxxxx. Tape LTV is based on Appraisal $xxxxxx |
| 781314 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 689 | 715 | Audit Data is lower Mid score of both borrowers. Tape Data is average of borrowers Mid scores per guidelines. |
| 781319 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal project Townhome. Appraisal completed on a 1073. Prior mortgage reflect condo rider. |
| 781319 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.33 | 48.99 | DTI variance as lender income $15710, higher than audit qualifying income $11959.25. Qualifying income does not include unsourced large and transferred deposits to personal bank account with xxxxxx from other business accounts. |
| 781326 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal subject is a SFR Attached. |
| 781328 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per Title and Appraisal |
| 781330 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per appraisal property has two units. |
| 781331 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 697 | 713 | Credit report reflect B1 score 697 and B2 only score 730. |
| 781337 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Appraisal value is $xxxxxx and Sales Price is $xxxxxx |
| 781338 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.71 | 40.62 | DTI variance as qualifying income lower than lender income, as missing March 2022 bank statement . Also, asset depletion income lower than lender income. PITIA for REO include Taxes, lender PITIA for REO's lower. |
| 781341 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | per appraisal 2-unit property |
| 781420 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Verified per note |
| 781420 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.23 | 27.32 | Audit used $3225x75-$2277 = +$141.75 for REO xxxxxx. Lender used $5605x75-$2277 = +$1926.75. |
| 781513 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject property is located in a PUD per Appraisal and Title. |
| 781535 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 79.12 | Loan $xxxxxx/sales price $xxxxxx =80% |
| 781535 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 79.12 | Loan $xxxxxx/sales price $xxxxxx=80% |
| 781535 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Sales price shows as $xxxxxx on purchase agreement.. xxxxxxk is Appraised Value |
| 781542 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.06 | 12.00 | Qualifying DTI 26%= Total debt $2,935.20/ Income $11261.80. 1008 reflects 29.97% |
| 781550 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 5 | Per Appraisal 6 unit property- 5 unit and a basement. |
| 781550 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 41 | 33.52 |  |
| 781550 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 41 | 33.52 |  |
| 781553 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal; PUD Rider attached to DOT |
| 781577 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 77.87 | Loan amt $xxxxxx/sales price $xxxxxx=80% |
| 781577 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 77.87 | Loan amt $xxxxxx/sales price $xxxxxx=80% |
| 781577 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Purchase agreement and CD shows sales price of $xxxxxx |
| 781578 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 4 | Per appraisal # of units is 3. |
| 781578 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 70 | 69.17 | Audit Data based on purchase price. Tape Data is Appraisal Value. (Loan amt xxxxxx/ PP xxxxxx=70%) |
| 781578 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 742 | 765 | Based on two credit reports provided mid score is 742, missing credit reports for B3 and B4. |
| 781578 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 70 | 69.17 | Audit Data based on purchase price. Tape Data is Appraisal Value. (Loan amt xxxxxx/ PP xxxxxx=70% |
| 781578 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit Data based on purchase price. Tape Data is Appraisal Value. Per contract provided PP is $xxxxxx. |
| 781582 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal and exterior pictures subject property attached. |
| 781582 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 74.99 | 54.45 | CLTV 74.99 = L/A $xxxxxx/ Sales price $xxxxxx. LTV 54.45 based on appraised value $xxxxxx |
| 781582 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 716 | 741 | Lowest middle score 716. |
| 781582 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 74.99 | 54.45 | LTV 74.99 = L/A $xxxxxx/ Sales price $xxxxxx. LTV 54.45 based on appraised value $xxxxxx |
| 781582 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is a sales price and $xxxxxx is an appraised value. |
| 781584 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 70 | 66.80 | Audit Data is based on sales price. Tape Data is based on appraisal value. |
| 781584 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 70 | 66.80 | Audit Data is based on sales price. Tape Data is based on appraisal value. |
| 781584 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit Data is based on sales price. Tape Data is based on appraisal value. |
| 781585 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit Data per purchase agreement. Tape Data is appraisal value |
| 781586 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit Data is sales price. Tape Data is appraisal value |
| 781587 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per Appraisal and Title |
| 781587 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit Data is based on contract purchase price. Tape Data is based on appraisal value. |
| 781593 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 69.91 | 68.94 | CLTV 69.91%= L/A $xxxxxx/ Sales price $xxxxxx. Guideline require use of sales price if property purchased during the first 12 months of ownership. |
| 781593 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 787 | 789 | Qualifying FICO 787. |
| 781593 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 69.91 | 68.94 | LTV 69.91%= L/A $xxxxxx/ Sales price $xxxxxx. Guideline require use of sales price if property purchased during the first 12 months of ownership. |
| 781594 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, and PUD endorsement on title, property is located in a PUD. |
| 781598 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Property per appraisal is detached SFR. |
| 781598 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.76 | 14.94 | Audit DTI of 23.76% similar to 1008 at 23.87%, tape data differs from 1008. |
| 781612 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Tape data missing unit xxxxxx |
| 781612 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 700 | 710 | Credit report in file dated 11/21/22 shows mid score of 700 which matches 1008. |
| 781612 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.18 | 31.43 | Audit DTI of 41.18% similar to 1008 in file at 41.37% |
| 781633 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal single family detached. |
| 781633 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.8 | 43.00 | DTI 83.15% = Subject PITIA loss $657.42+ PR PITIA $4003.70+ Other REO loss $2987.+ Other debt $85/ Income $9300. DTI variance as 1003 reflect for REO xxxxxx, positive rental income $3013. No documentation in file to support income. Also, for subject property income $32.42. However based on rent $2500 \*75% - PITIA $2532.42= loss $657.42. |
| 781678 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 55440.91 | 27000.00 | Per CD amount is consumer debt plus cash to borrower. |
| 781678 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Per Security Deed. |
| 781694 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first payment date is xxxxxx |
| 781694 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.63 | 34.50 | Lender did not reduce lease amount for other reo to 75% as required by guidelines |
| 781766 | xxxxxx | xxxxxx | Margin | notePage | 4 | 2.000 | Per note margin is 4%. |
| 781792 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Note terms state first payment date is xxxxxx |
| 781792 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Appraisal and title show property is a detached PUD. |
| 781898 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Tape data missing unit xxxxxx |
| 781898 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 768 | 767 | Per report in file dated 11/28 mid score is 767. |
| 781898 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.94 | 24.36 | Audit income lower than lender's resulted in higher DTI, see audit income sheets. |
| 781919 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Audit data from mortgage. Tape Data does not match |
| 781919 | xxxxxx | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 29.88 | 27.19 | -Audit qualifying income $22,425.77 based on 12 months-51% deposits to Business account xxxxxx and 6 months deposits divided over 12 months for Business account xxxxxx and excluded un-sourced large deposits. |
| 781919 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.1 | 38.30 | -Audit qualifying income $22,425.77 based on 12 months-51% deposits to Business account xxxxxx and 6 months deposits divided over 12 months for Business account xxxxxx and excluded un-sourced large deposits. |
| 781936 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal PUD and Mortgage. |
| 782011 | xxxxxx | xxxxxx | Loan Amount/Draw Amount | notePage | xxxxxx | xxxxxx | Loan amount $xxxxxx per note and title. |
| 782011 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 80.00 | Audit Data based on actual loan amount $xxxxxx/288 PP. |
| 782011 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 80.00 | Audit Data based on actual loan amount $xxxxxx/288 PP. |
| 782022 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Tape data has the number 0 after last name of xxxxxx |
| 782022 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 51.65 | 49.96 | DTI difference due to lender taking prior year plus YTD bonus average. Since bonus was decreasing audit annualized the YTD amount on most recent pay stub. |
| 782035 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | 2 units per appraisal |
| 782035 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 679 | 663 | 679 Mid FICO per Credit Report in file |
| 782036 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.47 | 40.73 | 1008 reflects 46.24% |
| 782046 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note , title property address xxxxxx |
| 782046 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 775 | 766 | Qualifying mid score of Primary wage is 775. |
| 782046 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.75 | 44.00 | Qualifying DTI 22.75% Subject PITIA $9244.64+Other REO $2652.62+Primary residence $6883.61+other debt $2657 /Income $97295. |
| 782099 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.03 | 23.00 | All student loans used 0% to qualify. Audit used 1%. for total of $5180.16 monthly payments. |
| 782607 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Verified per note |
| 782607 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject property is located in a PUD per appraisal and title. |
| 782607 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Purchase price $xxxxxx per contract and final CD |
| 782610 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note. |
| 782610 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 70 | 64.32 | 70% based on purchase price. Matches 1008 |
| 782610 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 70 | 64.32 | 70% based on purchase price. matches 1008 |
| 782610 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is purchase price and $xxxxxx appraised value. |
| 782616 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note in file. |
| 782617 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note. |
| 782618 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note 1st payment date xxxxxx |
| 782619 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note. |
| 782619 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is purchase price and $xxxxxx appraised value. |
| 782620 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first payment date xxxxxx. |
| 782620 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 4 | Appraisal shows number of units is 3. |
| 782620 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 682 | 680 | Credit report dated 8/24/22 has mid score of 682. |
| 782620 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Purchase agreement sales price $xxxxxx, tape appears to show appraised value. |
| 782624 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Note shows first payment date of xxxxxx. |
| 782624 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Appraisal shows property is a 2-unit. |
| 782625 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 782625 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal and title, subject located in a PUD |
| 782625 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 70 | 69.45 | matches 1008 and approval. Tape Value is based on appraisal value. |
| 782625 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 70 | 69.45 | matches 1008 and approval. Tape Value is based on appraisal value. |
| 782625 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | SP is $xxxxxx and AV is $xxxxxx |
| 782628 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 782628 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 699 | 693 | Per credit report dated 7/20/22 mid score is 699. |
| 782632 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first payment date is xxxxxx |
| 782637 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first payment date is xxxxxx |
| 782637 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 676 | 707 | Per initial credit report pull date 8/12/22 mid score is 676. |
| 782640 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 782640 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 70 | 68.26 | matches 1008/approval |
| 782640 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 70 | 68.26 | matches 1008/approval |
| 782640 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Sales Price vs. Appraised Value |
| 782647 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note, first payment date is xxxxxx |
| 782647 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, property type is detached PUD. |
| 782651 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note. |
| 782651 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal. |
| 782651 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 70 | 66.23 | 70% based on xxxxxx ln/$xxxxxx purchase price. |
| 782651 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 70 | 66.23 | 70% based on xxxxxx ln/$xxxxxx purchase price. |
| 782651 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Purchase price is $xxxxxx and $xxxxxx is appraised value. |
| 782664 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note. |
| 782664 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 759 | 776 | 759 is the lower of the two middle scores. |
| 782669 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 782669 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 69.29 | 75% per 1008 and approval |
| 782669 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 69.29 | 75% per 1008 and approval |
| 782669 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Sales price is $xxxxxxK; Appraisal is $xxxxxx |
| 782671 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 782713 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Mortgage and Appraisal PUD. |
| 782741 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note prepayment penalty. |
| 782847 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note 1st payment date xxxxxx |
| 782847 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note margin 6.5 |
| 783471 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal report |
| 783473 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 4 | Subject is 3 unit per 1025 appraisal |
| 783473 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 74.17 | Audit Data is based on purchase price. Tape Data is base on appraisal value. |
| 783473 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 74.17 | Audit Data is based on purchase price. Tape Data is base on appraisal value. |
| 783473 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit Data is purchase price. Tape Data is appraisal value. |
| 1000055550 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD rider in file. |
| 1000055550 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 738 | 742 | Per broker report dated 8/5/22, mid score is 738. |
| 1000055550 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.29 | 19.08 | Missing complete bank statements and income worksheet(s). |
| 1000055655 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 710 | 709 | Primary wage earner used to qualify |
| 1000055655 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.76 | 32.54 | lender calc's positive rental income on other reo and review found loss |
| 781208 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 52.86 | 41.00 | DTI Variance as Income lower based on YTD income and no history of OT for 2 years. Also, 1008 reflect borrower paying of debts to qualify for the loan but no proof in file of debts paid off. |
| 781208 | xxxxxx | xxxxxx | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Program changes after diligence submission |
| 782637 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 79.42 | 69.09 | LTV based on lower BPO Value |
| 783311 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | per note |
| 783475 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit is purchase price. Tape Data is appraisal value. |
| 783475 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 72.82 | Audit is based on purchase price. Tape Data is based on appraisal value. |
| 783475 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 72.82 | Audit is based on purchase price. Tape Data is based on appraisal value. |

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## Exhibit 99.31

**EXHIBIT 99.31**

**clarifii atr qm report**

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| **Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 771855 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | FALSE | No | No | No | No | No | 8565 | 8.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14726.19 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 772787 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | true | No | No | No | No | No | 18113 | 7.442 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56075.69 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 772794 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | No | No | No | No | No | No | 19694 | 7.485 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 30079 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 773113 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 13830 | 7.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5042.21 | Yes | Employed | Employed | xxxxxx |  | No | N/A |
| 774023 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 18851.04 | 8.471 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36872.81 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774033 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | No | 22845 | 9.648 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 478743.4 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774074 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | FALSE | No | No | No | No | No | 8265 | 8.319 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26398.31 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 774176 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 7937 | 7.687 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 774327 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 3110.95 | 7.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10591.33 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774333 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 4571.93 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18435.63 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774337 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 6587.5 | 6.176 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2750.38 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774343 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | true | No | No | No | No | No | 14787.8 | 5.278 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9978.57 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774345 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 162799.55 | Yes | Employed |  | xxxxxx |  | Yes | N/A |
| 774354 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 4156.27 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2823.25 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 774361 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | No | 2051.08 | 6.989 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4426.49 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774363 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 5799 | 6.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4572.51 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774364 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 5933.56 | 6.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9813.29 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774365 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | No | No | No | No | No | Yes | 7610.22 | 7.256 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3037.89 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774368 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 12497 | 6.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6216.32 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774369 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | No | No | No | No | No | Yes | 3645 | 6.363 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1614.93 | No | Employed |  | xxxxxx |  | No | N/A |
| 774370 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | No | No | No | No | No | No | 11519.37 | 6.229 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5930.6 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774371 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 10950 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5801.94 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774372 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 4501.03 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38788.66 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774376 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | Yes | 32072.6 | 6.434 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 21098.27 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 774377 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | No | No | No | No | No | No | 6973.75 | 6.589 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19252.79 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 774378 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 7076.38 | 6.014 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8196.92 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774380 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 9639 | 9.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9007.08 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774381 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 774385 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 5815 | 7.325 | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes | 24042.35 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774386 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 0 | 6.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33032.3 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774392 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | No | No | No | No | No | Yes | 5681.83 | 6.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2632.29 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 774393 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16440.91 | Yes | Employed | Employed | xxxxxx | xxxxxx | Yes | N/A |
| 774399 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 3440 | 7.499 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18527.59 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 774400 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed | Employed | xxxxxx | xxxxxx | Yes | N/A |
| 774402 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 14695 | 6.73 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12584.93 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 774403 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 7829 | 8.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17562.97 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774404 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | false | No | No | No | No | Yes | 7025 | 8.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9345.77 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774415 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14658.39 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | Yes | N/A |
| 774416 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9283.89 | Yes | Employed |  | xxxxxx |  | Yes | N/A |
| 774422 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 10115.96 | 6.75 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7984.26 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774425 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | No | No | No | No | No | No | 5363.74 | 6.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | 2098.75 | No | Employed |  | xxxxxx |  | No | N/A |
| 774426 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12040.81 | Yes | Employed |  | xxxxxx |  | Yes | N/A |
| 774429 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 16752.5 | 5.895 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18080.42 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774435 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | true | No | No | No | No | No | 4495 | 7.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14275.41 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774441 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 9553.88 | 7.697 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13224.02 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774442 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 7082 | 8.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4733.69 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774447 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 5433 | 8.234 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 11155.36 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 774449 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 4844.5 | 7.131 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4181.95 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774638 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | No | 35257 | 9.353 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 136016.66 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774891 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 9641.19 | 11.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16140.43 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 774904 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | true | No | No | No | No | No | 25458.44 | 9.135 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18230 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 774913 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 13223.25 | 9.401 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24208 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 775013 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | No | 13652 | 8.194 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 101730 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 775079 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15135.23 | Yes | Employed |  | xxxxxx |  | Yes | Present |
| 775135 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | true | No | No | No | No | No | 58194 | 9.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63104.97 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 775181 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | Yes | 34278 | 8.108 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17814.62 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 775419 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7571.76 | Yes | Employed |  | xxxxxx |  | Yes | Present |
| 775447 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | Yes | 18740 | 7.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16303.95 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 775505 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1531614.38 | Yes | Employed |  | xxxxxx |  | Yes | Present |
| 775510 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 775527 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx | xxxxxx | Yes | Present |
| 775594 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 775705 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed | Not Employed | xxxxxx | xxxxxx | Yes | Present |
| 775708 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | true | No | No | No | No | No | 12740 | 7.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 319341.12 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 775736 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | No | No | No | No | No | Yes | 6215 | 9.073 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 775758 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | Yes | 6451.25 | 9.007 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 28521 | Yes | Employed |  | xxxxxx | xxxxxx | No | N/A |
| 775994 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 6534 | 10.517 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6333 | Yes | Employed |  | xxxxxx | xxxxxx | No | N/A |
| 776237 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | FALSE | No | No | No | No | No | 6590 | 7.759 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5204.96 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 776655 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | FALSE | No | No | No | No | No | 9195 | 5.734 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776658 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 8494.6 | 5.105 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776659 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | FALSE | No | No | No | No | No | 4590 | 6.362 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776660 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | Employed |  | xxxxxx |  | Yes | Missing |
| 776661 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | FALSE | No | No | No | No | No | 9957.5 | 6.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10603.09 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776665 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 15635 | 5.669 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776667 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | FALSE | No | No | No | No | Yes | 10501.25 | 5.989 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776675 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | FALSE | No | No | No | No | No | 6555 | 6.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6330.07 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776682 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | xxxxxx |  | Yes | Missing |
| 776685 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 11070 | 6.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4806.48 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776688 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 1295 | 6.891 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776689 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | FALSE | No | No | No | No | No | 7586 | 6.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776691 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 10290 | 6.281 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776692 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 18386.25 | 6.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10251.95 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776696 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | FALSE | No | No | No | No | No | 9520 | 6.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776698 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | true | No | No | No | No | No | 9815 | 5.103 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 776700 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | FALSE | No | No | No | No | No | 10445 | 6.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4404.17 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776701 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | No | No | No | true | No | No | No | No | No | 12290 | 5.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7444.87 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776703 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | FALSE | No | No | No | No | No | 13070 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776707 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | Yes | 36995 | 6.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11837.83 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776711 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 24265 | 5.717 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776714 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 10938 | 6.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776722 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 5295 | 6.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776723 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 9053 | 7.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 776724 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 7764.9 | 6.441 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776725 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 7450 | 6.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5839.13 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776726 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 12340 | 6.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776728 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 8703 | 6.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4094.96 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776730 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | FALSE | No | No | No | No | No | 10313 | 7.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14902.66 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776732 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 5662 | 6.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5761.84 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776733 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 5520 | 6.717 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776734 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | FALSE | No | No | No | No | No | 8855 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776739 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 17402.5 | 6.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776740 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 15261.05 | 6.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776768 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | FALSE | No | No | No | No | No | 1597 | 7.965 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3912.42 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 776770 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 19047 | 6.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 90846.31 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 776771 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | FALSE | No | No | No | No | No | 1495 | 6.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2983.1 | Yes | Retired |  | xxxxxx |  | No | N/A |
| 776773 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 5833.4 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32916 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 776774 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | FALSE | No | No | No | No | No | 10565 | 6.764 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11672.36 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 776776 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 13290 | 6.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13277.39 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 776785 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | FALSE | No | No | No | No | No | 4424.17 | 7.046 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6452.43 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 776789 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | FALSE | No | No | No | No | No | 7733 | 6.717 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10835.24 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 776794 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | FALSE | No | No | No | No | Yes | 13076.88 | 7.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2518.53 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 776798 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10976.6 | Yes | Employed |  | xxxxxx |  | Yes | Missing |
| 776800 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx |  | Yes | Missing |
| 776803 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 43375 | 6.749 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 68643.86 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 776804 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | FALSE | No | No | No | No | Yes | 6052.8 | 9.236 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2296.46 | No | Not Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 776822 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 1355 | 10.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5867.38 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 777321 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | No | 37860 | 8.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 118618.29 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 777322 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | No | 20215 | 9.495 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 96827.56 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 777445 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No |  | No | No | No | No | No | 11940 | 8.27 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 41128 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 777845 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 7075 | 11.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 777898 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21172.04 | Yes | Employed |  | xxxxxx |  | Yes | Missing |
| 777957 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | FALSE | No | No | No | No | No | 5653 | 6.9 | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777964 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 5995 | 6.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777968 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | Yes | 21585 | 6.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777969 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 6782 | 5.991 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777970 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | FALSE | No | No | No | No | No | 10232.5 | 6.177 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777972 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 9301.25 | 6.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777980 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | FALSE | No | No | No | No | No | 8965 | 6.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777981 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | Yes | 4413.75 | 6.333 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777983 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | FALSE | No | No | No | No | No | 12190 | 7.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777989 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 12139.87 | 5.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777991 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 12030 | 6.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777992 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 6915 | 5.399 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777995 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 8700 | 5.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 777998 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx |  | Yes | N/A |
| 778000 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 12150 | 8.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778005 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 8810 | 5.74 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778069 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No |  | No | No | No | No | No | 55381.88 | 7.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 133507.04 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 776804 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 4840 | 5.194 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 1747.12 | No | Employed |  | xxxxxx |  | No | N/A |
| 778275 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 778276 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | true | No | No | No | No | No | 59895 | 6.051 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39171.26 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 778277 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 6183.96 | 5.296 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3243.5 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 778279 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Pass | No | Yes | No | No |  | No | No | No | No | Yes | 25620 | 5.219 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44242.86 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 778280 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 11755 | 7.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8406.71 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 778282 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | Yes | 42828.94 | 8.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40994.52 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 778286 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 778288 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 5170 | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4051.12 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 778294 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 778391 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | xxxxxx |  | Yes | Present |
| 778510 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 9664.95 | 8.252 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21635 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 778529 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed | Not Employed | xxxxxx | xxxxxx | Yes | Present |
| 778551 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 778575 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No |  | No | No | No | No | No | 6019.8 | 8.606 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 26823 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 778583 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 11248.8 | 8.25 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5060 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 778584 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | No | 26857 | 9.164 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 48666.85 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 778625 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 5880 | 8.515 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3382.15 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 778659 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | Yes | 13349.4 | 10.597 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6755.85 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 778719 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 7845 | 7.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778720 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 12188.75 | 5.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778723 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 11190 | 6.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778724 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 7890 | 5.41 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778726 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 8682.19 | 6.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 778727 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 19663.75 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778729 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 9862.5 | 6.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 778731 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | true | No | No | No | No | No | 31285 | 6.093 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778732 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 4695 | 7.216 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778734 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No |  | No | No | No | No | No | 8123.99 | 6.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778744 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 9585 | 5.994 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778745 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 7210 | 6.257 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778746 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 26115 | 5.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778751 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 10580 | 5.861 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778752 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 5695 | 6.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778761 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No |  | No | No | No | No | No | 6140 | 7.477 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778767 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 5801.5 | 6.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778770 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 6551 | 7.84 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778771 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No |  | No | No | No | No | No | 11500 | 7.251 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778773 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 1895 | 7.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778774 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 13171.25 | 6.256 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778775 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 8807.5 | 7.694 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778776 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 11920 | 7.308 | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 778777 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 26170 | 7.193 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 778779 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 7430 | 6.217 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778780 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No |  | No | No | No | No | No | 11640 | 7.657 | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 778781 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 11135 | 6.282 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778784 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx |  | Yes | Present |
| 778785 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 13390 | 6.261 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778787 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 11532.5 | 7.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778788 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 8255 | 8.17 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778790 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 9330 | 6.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778792 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 6807.5 | 7.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778797 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No |  | No | No | No | No | No | 14070 | 7.659 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778798 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No |  | No | No | No | No | No | 2419.5 | 7.718 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778802 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | No | No | No |  | No | No | No | No | No | 6134.73 | 8.285 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778806 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 10765 | 5.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 778981 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 13001 | 10.123 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14480 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 779046 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 1295 | 9.594 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2997.44 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 779176 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | No | 36427.62 | 9.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30531.73 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 779258 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | true | No | No | No | No | No | 12190 | 10.156 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 11625.45 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 779494 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | No | Yes | No | No |  | No | No | No | No | No | 1495 | 9.176 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32955.14 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 779496 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 13265 | 8.871 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7825.18 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 779499 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 779521 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx |  | Yes | N/A |
| 779578 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 13116.63 | 9.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10436.83 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 779619 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No |  | No | No | No | No | No | 8782.5 | 7.18 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 779622 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 6695 | 7.051 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 779624 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 21977.5 | 6.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 779812 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 6275 | 9.885 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16769.95 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780117 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 98498.36 | Yes | Employed |  | xxxxxx |  | Yes | Present |
| 780122 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 780181 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 7773 | 8.811 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4296 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 780215 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 11651.51 | 9.212 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 780240 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx |  | Yes | Present |
| 780244 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 1495 | 8.881 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 780292 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx |  | Yes | Present |
| 780310 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | Yes | 11800 | 7.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | xxxxxx |  | No | N/A |
| 780315 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 15545 | 8.487 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 780316 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 26570 | 8.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 780317 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 9110 | 8.269 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 780334 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 780357 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 1603.72 | 10.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2802.71 | Yes | Employed | Retired | xxxxxx | xxxxxx | No | N/A |
| 780395 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 8625.5 | 10.909 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6789 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780443 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 34918 | 11.202 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42983.93 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 780489 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 780498 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | No | No | No |  | No | No | No | No | No | 25940 | 10.545 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 142096 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780500 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 23373.95 | 11.871 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27159.19 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 780549 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | Yes | 33255.29 | 11.107 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11778.21 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780550 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 10734.1 | 9.537 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6602.97 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780558 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45931.41 | Yes | Employed |  | xxxxxx |  | Yes | Present |
| 780559 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 1890 | 9.888 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 40188 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780584 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 19339 | 9.339 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9865 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780620 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed | Not Employed | xxxxxx | xxxxxx | Yes | Present |
| 780680 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 780717 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | Yes | 15097.22 | 9.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6377.13 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780814 | xxxxxx | xxxxxx | Non-QM: APOR | Non-QM: APOR | No |  | Pass | No | No | No | No |  | No | No | No | No | Yes | 14160 | 8.484 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4925.05 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780828 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 780829 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 27445 | 9.886 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17484 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 780834 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15533.15 | Yes | Employed |  | xxxxxx |  | Yes | N/A |
| 780925 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | No | No | No | true | No | No | No | No | No | 24640 | 8.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32246 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 780944 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 20811.14 | 9.722 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12948.52 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781052 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 38551.07 | Yes | Employed | Employed | xxxxxx | xxxxxx | Yes | Present |
| 781066 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | Yes | Yes | No | No |  | No | No | No | No | Yes | 10869 | 8.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781079 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 9570 | 9.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 781081 | xxxxxx | xxxxxx | Non-QM: APOR | Non-QM: APOR | No |  | Pass | No | No | No | No |  | No | No | No | No | No | 9800 | 7.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781084 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | No | No | No | No |  | No | No | No | No | No | 14845 | 8.782 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 781092 | xxxxxx | xxxxxx | Non-QM: APOR | Non-QM: APOR | No |  | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 8695 | 8.013 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781097 | xxxxxx | xxxxxx | Non-QM: APOR | Non-QM: APOR | No |  | Pass | Yes | No | No | No |  | No | No | No | No | No | 10764.38 | 7.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781098 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | No | No | No | true | No | No | No | No | No | 12646 | 7.991 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781107 | xxxxxx | xxxxxx | Non-QM: APOR | Non-QM: APOR | No |  | Pass | Yes | No | No | No |  | No | No | No | No | No | 22290 | 7.596 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A |  | N/A | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 781124 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 13700 | 10.254 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13770.56 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781135 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 22437 | 9.532 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11140.34 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781153 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781264 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | No | Yes | No | No |  | No | No | No | No | Yes | 15674 | 9.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9618.25 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781268 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No | true | No | No | No | No | No | 14945 | 9.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7718.51 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781294 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | Yes | No | No | No |  | No | No | No | No | No | 7940 | 8.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14236.44 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 781296 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | Yes | No | No | No |  | No | No | No | No | Yes | 14621.9 | 8.608 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3296.6 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781299 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 6495 | 8.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 781300 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No |  | No | No | No | No | Yes | 11580 | 8.485 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781301 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 8502.5 | 6.79 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781303 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 40770 | 7.301 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 781304 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781306 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781310 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 11295 | 7.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 781311 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781313 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | xxxxxx |  | Yes | Present |
| 781314 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 781316 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781318 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781319 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | Yes | No | No | No |  | No | No | No | No | No | 9295 | 8.382 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 781321 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781323 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781326 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781327 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781328 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 7290 | 11.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781330 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781331 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 11305 | 9.53 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 781337 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 781338 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No |  | No | No | No | No | No | 11515 | 7.043 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781341 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781342 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781420 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7573.51 | Yes | Employed |  | xxxxxx |  | Yes | N/A |
| 781513 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 15086.75 | 10.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8609.88 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781535 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 59217.55 | Yes | Employed |  | xxxxxx |  | Yes | N/A |
| 781537 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 2385.63 | 10.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4552.28 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |
| 781542 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | Employed |  | xxxxxx |  | Yes | N/A |
| 781550 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 781553 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 8981 | 9.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10090.56 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781577 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 6995 | 8.609 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781578 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 781580 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781582 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 781584 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781585 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781586 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781587 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781591 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Missing |
| 781593 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 781594 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 781598 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 11490 | 11.325 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12494.05 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781600 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781612 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | Employed | Employed | xxxxxx | xxxxxx | Yes | N/A |
| 781614 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 781633 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | xxxxxx |  | Yes | Present |
| 781678 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | Yes | 7262.5 | 10.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3343.5 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781692 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 17662 | 10.786 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35065.46 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781694 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 27169.13 | 10.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11747.65 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781766 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | No | No | No | No |  | No | No | No | No | No | 13905 | 7.974 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | xxxxxx |  | No | N/A |
| 781792 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 10581.52 | 11.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36668.17 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781865 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 10715 | 9.388 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14209.87 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781898 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | Employed |  | xxxxxx |  | Yes | Present |
| 781919 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 28866.88 | 10.559 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 1168.51 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781936 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | No | No | No |  | No | No | No | No | Yes | 15223 | 9.496 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10251.45 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 781951 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | true | No | No | No | No | No | 17249.34 | 11.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16037.81 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 781978 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782011 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782022 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5262.11 | Yes | Employed |  | xxxxxx |  | Yes | N/A |
| 782035 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782036 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | Yes | 12042.64 | 12.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6089.35 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 782046 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | No | No | No |  | No | No | No | No | No | 6690 | 9.846 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 75162 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 782063 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782099 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 17358.13 | 11.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18910.12 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 782444 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 782607 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 782610 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 782616 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782617 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782618 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782619 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782620 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782624 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782625 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782628 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782632 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782637 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782640 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 782647 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782651 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782664 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 782669 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782671 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782713 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782714 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782719 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782721 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782735 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782741 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 782847 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 783468 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 783471 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 783473 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 1000055550 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 20295 | 9.154 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 86107.6 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 1000055655 | xxxxxx | xxxxxx | Non-QM: APOR | Non-QM: APOR | No |  | Pass | No | Yes | No | No |  | No | No | No | No | Yes | 15249.69 | 8.849 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7833.62 | Yes | Employed | Not Employed | xxxxxx | xxxxxx | No | N/A |
| 1000055643 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 19643.99 | 9.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59917.95 | Yes | Employed |  | xxxxxx |  | No | N/A |
| 783311 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 783475 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx | xxxxxx | Yes | Present |
| 781208 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | Yes | 9499 | 10.974 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2457.28 | Yes | Employed | Employed | xxxxxx | xxxxxx | No | N/A |

---

## Exhibit 99.32

**EXHIBIT 99.32**

**clarifii valuation report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 771855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.024 | ClearCapital | Moderate | 06-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 772787 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 06-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 772794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 07-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 773113 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |  |  |
| 774023 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 09-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 774033 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 774074 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 774176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 774327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 774333 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 04-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 774337 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 774343 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 02-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |  |  |
| 774345 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |  |  |
| 774354 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 04-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 774361 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |
| 774363 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 774364 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 774365 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Reasonable | 04-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 774368 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 774369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 774370 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 774371 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 774372 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 04-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |  |  |
| 774376 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 774377 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 04-20-222 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 774378 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 04-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |  |  |
| 774380 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 774381 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Reasonable | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |  |  |
| 774385 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 774386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clearcapital | Low Risk | 05-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 774392 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Reasonable | 05-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 774393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 774399 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 774400 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 05-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 774402 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Moderate | 04-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 774403 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 04-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 774404 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 05-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 774415 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-24-2022 | xxxxxx | 0 | .000 | 02-17-2022 | 1004 URAR |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 774416 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |
| 774422 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 774425 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate risk | 05-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 774426 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |  |  |
| 774429 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 04-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 774435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 06-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 774441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 774442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 774447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 06-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 774449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 774638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Risk | 07-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 774891 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .007 | Clearcapital | Risk | 07-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 774904 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 774913 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 08-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775013 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 07-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775079 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-15-2022 | xxxxxx | xxxxxx | .020 | 07-18-2022 | 1004 URAR |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 07-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775181 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 06-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775419 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low Risk | 08-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 08-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 08-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775510 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 08-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775527 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 07-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775594 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 07-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 08-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |
| 775708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 06-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 775736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 08-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775758 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 08-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775994 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 06-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776237 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 776655 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 03-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776658 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 03-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.022 | Clear Capital | moderate | 04-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 03-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 776661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 03-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 776665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 03-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 776667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 04-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776675 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 04-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 776682 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 04-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 04-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 04-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |  |
| 776689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 04-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776691 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 04-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 776692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 05-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 05-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 04-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776700 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 04-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 776701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 04-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Not Eligible |  |  |
| 776703 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 04-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776707 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 05-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  |
| 776711 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 05-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776714 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 05-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776722 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 776723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 05-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 776724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 05-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776725 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 05-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 776726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 05-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 776730 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 06-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 776732 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 776733 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 776734 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776739 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.069 | ClearCapital | Moderate | 06-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 776740 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 06-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776768 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 776770 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 776771 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776773 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 776774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCaptal | Moderate | 04-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 776776 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 04-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776785 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 04-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 03-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 776794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Reasonable | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 776800 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 05-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 776803 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-08-2022 | xxxxxx | xxxxxx | .025 | 03-09-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 776804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 776822 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 777321 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 08-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777322 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 07-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777445 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 08-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777845 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 09-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 777898 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.040 | ClearCapital | Moderate | 09-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 777957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 777964 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 777968 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 777969 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 05-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 777970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 05-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 777972 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 777980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 05-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 777981 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 777983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low risk | 06-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |  |  |
| 777989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 777991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 06-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 777992 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 06-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 777995 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 777998 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778000 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 778005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 778069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-12-2022 | xxxxxx | xxxxxx | .034 | 09-13-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 778273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-11-2021 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 02-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 778275 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 778276 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-17-2022 | xxxxxx | 0 | .000 | 03-15-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |  |
| 778277 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ProTeck | Reasonable | 02-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778279 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 778280 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 778282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ProTeck | Reasonable | 04-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 778286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ProTeck | Reasonable | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 778288 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Tech | Reasonable | 05-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778294 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Proteck | Reasonable | 04-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 778391 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 09-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778510 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 778529 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 778575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.051 | Clear Capital | Moderate Risk | 09-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 778583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 09-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 09-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 778719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 06-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 778723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 06-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 778726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 07-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| 778729 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 06-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 778731 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 06-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778732 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low Risk | 07-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxxxxx |
| 778734 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778744 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 06-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778745 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 778746 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 07-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778751 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 07-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 07-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778761 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 07-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |  |
| 778767 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 07-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 778770 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 08-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778771 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 07-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778773 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 07-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 778774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 778775 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778776 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 778777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 07-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 778779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 08-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778780 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |  |  |
| 778781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 778784 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 778785 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 07-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 778787 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 07-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 778788 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 08-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 778792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 08-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778797 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 08-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |  |  |
| 778798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 08-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 08-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 778806 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 08-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 778981 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 09-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 779046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 08-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 779176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 779258 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 10-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 779494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 779496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 779499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 09-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 779521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-11-2022 |  |  |  |  |  | xxxxxx | xxxxxx | .011 | 94 | 0.06 |  | 11-16-2022 | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 11-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |
| 779578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 779619 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 09-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |  |  |
| 779622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Moderate | 09-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 779624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 09-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 779812 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 10-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 780117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 10-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 10-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780181 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |  |  |
| 780215 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 780240 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 780244 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 780292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 08-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |
| 780310 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | xxxxxx | Excellent | 09-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Not Eligible |  |  |
| 780315 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 780357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 09-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 780395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 10-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 780443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Reasonable | 11-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 780498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.040 | Clear Capital | Moderate Risk | 11-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 780549 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 11-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 780550 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 10-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 780558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 780559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 780584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 10-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 780620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 780680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 780717 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 780814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 780828 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .013 | ProTeck | Reasonable | 12-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780829 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  |  |  |
| 780834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 780925 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 11-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Not Eligible |  |  |
| 780944 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 781052 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781066 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 781079 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 781081 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 781084 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 10-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |  |  |
| 781092 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 781097 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 11-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 781098 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 11-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |  |  |
| 781107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 781124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 781135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 781153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 781268 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 781294 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 781296 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 781299 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781300 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781301 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781303 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-26-2022 | xxxxxx | xxxxxx | .130 | 09-26-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781306 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781310 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781311 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781313 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | 10-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781314 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781316 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781318 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781319 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781321 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781323 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781326 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781328 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781330 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781331 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781337 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781338 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781342 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781420 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| 781513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 781535 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |  |  |
| 781537 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 781542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781550 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.182 | xxxxxx | 11-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781553 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 781577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781582 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.013 | Pro Teck | Reasonable | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781593 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |
| 781594 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 12-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 781600 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 781612 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 11-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 781614 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 11-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 781633 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 12-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |  |  |
| 781678 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ClearCapital | Low | 12-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 781692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 781694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781766 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 781792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 781865 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 781898 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 781919 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781936 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 781951 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 11-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 11-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782011 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | low risk | 12-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Not Eligible |  |  |
| 782022 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 782035 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782036 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 782046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible | 1 |  |
| 782063 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 782099 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 782444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 12-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782607 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 782610 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-30-2022 |  |  |  |  |  | xxxxxx | xxxxxx | -.307 | 68 | 0.32 |  | 08-12-2022 | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 08-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 782617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 782618 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-08-2022 |  |  |  |  |  | xxxxxx | xxxxxx | .002 | 94 | 0.06 |  | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 782619 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-01-2022 |  |  |  |  |  | xxxxxx | xxxxxx | -.008 | 97 | 0.03 |  | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 782620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-02-2022 |  |  |  |  |  | xxxxxx | xxxxxx | -.218 | 84 | 0.16 |  | 10-05-2022 | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 09-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-21-2022 |  |  |  |  |  | xxxxxx | xxxxxx | -.027 | 86 | 0.14 |  | 06-29-2022 | xxxxxx | 0 | .000 | Pro Teck | Excellent | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-26-2022 |  |  |  |  |  | xxxxxx | 0 | .000 | 97 | 0.03 |  | 11-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 782628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 782632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 782640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 782647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-20-2022 |  |  |  |  |  | xxxxxx | xxxxxx | .069 | 94 | .06 |  | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 782664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 782669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-16-2022 |  |  |  |  |  | xxxxxx | xxxxxx | .017 | 96 | 0.04 |  | 10-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 782713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782714 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 11-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 12-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782741 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |
| 782847 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 783468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 12-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 783471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 01-05-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 783473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1000055550 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 09-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1000055643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 12-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1000055655 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 12-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |
| 780316 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.033 | xxxxxx | 02-01-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible | 1.4 |  |
| 780317 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 780334 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 11-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 781208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 782637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.130 | xxxxxx | 01-31-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Not Eligible |  |  |
| 782651 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.015 | xxxxxx | 02-01-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible | 1.3 |  |
| 782671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-23-2022 |  |  |  |  |  | xxxxxx | xxxxxx | -.019 | 95 | 0.05 |  | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |  |
| 783311 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 12-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 783475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |

---

## Exhibit 99.33

**EXHIBIT 99.33**

**INCENTER LLC d/b/a EDGEMAC ("EDGEMAC") DUE DILIGENCE EXECUTIVE SUMMARY**![](image_004.jpg)

**EXECUTIVE SUMMARY**

**Verus 2023-2**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter LLC d/b/a Edgemac ("Edgemac") performed an independent third-party due diligence review of 55 loans acquired by VMC Asset Pooler LLC (the "Client"). The review was performed in January 2022 through January 2023, using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Edgemac only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Edgemac has not subsequently performed any review with respect to the loans, and Edgemac will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Edgemac follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Edgemac performed review on 100% of the loans. The loan population was 55 loans for an aggregate original principal balance of $26,535,719.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, April 18, 2022 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, February 2, 2021 |

---

**Data integrity and methodology**

Edgemac performed data integrity analysis on all loans in the sample by comparing the information supplied on the data tape against the source documents in the loan file. All discrepancies are reported on the Final Tape Compare Report.

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Appraisal Value |
| &nbsp;&nbsp;Appraiser Name |
| &nbsp;&nbsp;Back/Qual DTI |
| &nbsp;&nbsp;Borrower First Name |
| &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Coborrower 1 First Name |
| &nbsp;&nbsp;Coborrower 1 Last Name |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;Doc Type Level |
| &nbsp;&nbsp;DSCR |
| &nbsp;&nbsp;Front DTI |

---

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---

| |
|:---|
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;FTHB Flag |
| &nbsp;&nbsp;Interest Rate Initial Cap |
| &nbsp;&nbsp;Interest Rate Life Cap |
| &nbsp;&nbsp;Interest Rate Periodic Cap |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency |
| &nbsp;&nbsp;Interest Rate Life Floor |
| &nbsp;&nbsp;Interest Type |
| &nbsp;&nbsp;Investor Qualifying DSCR |
| &nbsp;&nbsp;Investor Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy Type |
| &nbsp;&nbsp;Original / Note Payment |
| &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Original Term to Maturity |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Self Employed Mortgagor |
| &nbsp;&nbsp;Self Employed Co-Borrower |

---

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**Underwriting Conformity**

Edgemac performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Edgemac reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Edgemac reviewed each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate employment and income documentation, such as pay stubs, W-2 Forms, tax returns and tax transcripts,
and bank statements, was provided and used to accurately qualify the borrower according to guidelines. Recalculate the borrower's
income and debt to determine the appropriate debt to income ratio in accordance with the guidelines. Validate borrower's employment
history and confirm that the appropriate income and assets were used to qualify, where applicable. Make a reasonable assessment of whether
there are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to qualify the borrower match the documentation in the file and the information used to calculate down payment,
closing costs, and reserves meet program guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating factors and underwriter comments, if available.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against all supporting documentation and loan application to verify accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application against the final loan application or other loan applications found in the file to validate the
application was signed and properly completed and to expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm that credit report(s) and verification of mortgage or rental history, when required, have been provided for all borrowers/guarantors,
are consistent with loan approval, and meet guideline requirements. Verify whether any fraud alerts are listed on the credit reports and
make a reasonable assessment of whether the borrower's profile adheres to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies based on information derived from source documentation provided in the loan file, for the
purposes of identifying misrepresentations contained in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review source documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for possible judgments and other liens that may have existed upon origination; verify chain of title, as required
by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file contains sufficient property insurance coverage as required by guidelines; confirm property insurance
policy contains appropriate mortgagee clause. For subject properties located in a Special Flood Hazard Area where flood insurance is required,
verify and validate the file contains sufficient flood insurance coverage as required by guidelines and that flood insurance policy contains
appropriate mortgagee clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that Business Purpose Affidavit and Occupancy Affidavit, if applicable, were executed by the borrowers/guarantors and confirm
that document addresses are consistent with subject property address and do not match the primary residence address.

**Property Valuation Review** 

Edgemac reviewed all loans to validate the original appraisal report was provided in the loan file and that it was substantially complete. The evaluation included the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the original appraisal report to ensure the valuation was performed by a licensed appraiser and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify value used to calculate LTV/CLTV and note any deviations,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that the loan and property data within the appraisal report matches the loan documents,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the appraisal report to ensure report value is "as is" or, if report is "subject to", that there is
an associated completion report resolving all noted issues, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional valuation products in the file; if there is a variance greater than 10% below the appraisal value, Client will be
notified and an additional independent valuation product will be obtained as requested.

**Regulatory Compliance Review**

Edgemac's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Edgemac performed a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope") and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Edgemac works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. Our TRID related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Edgemac's conclusions are representative of our best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Edgemac maintains an active dialogue with outside counsel, our Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending our review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Edgemac utilizes the ComplianceAnalyzer tool by ComplianceEase.

Edgemac does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Edgemac do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Edgemac. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Edgemac to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Edgemac are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

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Edgemac reviewed each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance Charge Test (12 CFR §1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosed annual percentage rate (APR) is considered accurate because it is not more than 1/8 of 1 percentage (for regular transactions)
or 1/4 of 1 percentage (for irregular transactions) point above or below the APR as determined in accordance with the actuarial method;
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered accurate under §1026.18(d)(1)
(the finance charge test), or for purposes of rescission the disclosed finance charge is considered accurate under §1026.23(g) or
(h) (the rescission finance charge test or the foreclosure rescission finance charge test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer may exercise the right to rescind until midnight of the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate Right of Rescission Notice was provided and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan
originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction
for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Financing of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor may not finance, directly or indirectly, any premiums or fees for credit insurance in connection with a consumer credit
transaction secured by a dwelling (including a home equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL Disclosure Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) that is secured
by the consumer's dwelling; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The initial TIL disclosure date is not later than the third business day (counting days on which the creditor's offices are open to
the public for carrying on substantially all of its business functions) after the creditor receives the consumer's written application;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The initial TIL disclosure date is not later than the seventh business day (counting all calendar days except Sunday and specified
legal public holidays) before consummation of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601
et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application,
whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate
form) not later than the third business day after the creditor receives the consumer's application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate
form) not later than the seventh business day before consummation of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections of the disclosure determined to carry assignee liability were accurately completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify final Loan Estimate was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying
available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor
must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall
provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but
in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Your Home Loan Toolkit (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify there is evidence that the disclosure was provided to the borrower

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Borrowers Intent to Proceed (12 CFR §1026.19; §1026.25)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify there is evidence in the file indicating the borrowers intent to proceed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the lender documents the borrowers intent to proceed on a standalone disclosure, validate the borrower signed and dated the disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Revised Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on
which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the
disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the
disclosures required under §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received
such version three business days after the creditor delivers or places such version in the mail

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Valid Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The date the rate was set was not provided and interest rate dependent charges change once the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The reason for re-disclosure is "Decrease in charges affecting settlement or eligibility, a consumer-requested revision, or other
non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than
three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Closing Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections of the disclosure determined to carry assignee liability were accurately completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Revised Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required) (12 CFR §1026.19(f)(2)(i) &
(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected
disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the consumer determines that the extension of credit is needed to meet a bona fide personal financial emergency, the consumer may
modify or waive the three-business-day waiting period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer
does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the
aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer
does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. TRID Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i)
or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after
consummation

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. TRID Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i)
or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after
consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Disclosure of Escrow Account (12 CFR §1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Disclosure of Seller Paid Closing Costs (12 CFR §1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In transactions involving a seller, validate whether the lender disclosed all costs being paid by the seller on the borrowers Closing
Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If seller paid fees are present on the borrower's Closing Disclosure, review the seller's Closing Disclosure or alternative
documentation for accuracy of disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Post-consummation Event and Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The post-consummation revised closing disclosure delivery date is not more than 60 calendar days after the consummation date, or closing
/ settlement date if no consummation date was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The provided reimbursement date is not more than 60 calendar days after the consummation date, or closing / settlement date if no
consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;t. Non-numeric Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i) contain non-numeric clerical
errors, provided the creditor delivers or places in the mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;u. Loan Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage
rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination of conformity thresholds (Safe Harbor or Rebuttable Presumption)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for
the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
that does not result in an increase of the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for
the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
that does not allow the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for
the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
that does not result in a balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction for which the loan term does not exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ratio of the consumer's total monthly debt to total monthly income at the time of consummation does not exceed 43 percent, calculated
in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Prepayment Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Has an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Is a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Is not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That the application date of the loan occurs before/ after the effective date of October 1, 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That the date the creditor received application occurs on or after January 10, 2014, the effective date of the High-Cost Mortgage
amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is secured by a first-lien transaction, and the annual percentage rate (APR) does not exceed the Average Prime Offer Rate
by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not exceed the Average Prime Offer Rate by
more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The total points and fees does not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment penalties that can exceed, in total, more than 2 percent of the amount prepaid

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher Priced Mortgage Loan tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited Acts – Brokers Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No loan originator shall receive compensation, directly or indirectly, from any person other than the consumer in connection with
the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No person who knows or has reason to know of the consumer-paid compensation to the loan originator (other than the consumer) shall
pay any compensation to a loan originator, directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to
complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling
organizations that provide relevant counseling services in the loan applicant's location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier
than 30 days prior to the time when the list is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than 3 business days after a loan originator (broker or lender) receives an application for a federally related mortgage
loan, or information sufficient to complete an application, the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks for any amounts entered for both a loan discount fee and a yield spread premium or a lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

Page 10 of 14

![](image_004.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate if the customer(s) waived their
right to receive copies of their appraisals three business days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review all applicable loans for proof that lender delivered copies of appraisals and other written valuations three business days
before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If the customer(s) waived their right to receive copies of their appraisals three business days prior to consummation/account opening,
review the Post-Closing submission for an Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided the copies
either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. State Specific tests (varies by state and applicability, but at a minimum includes);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consumer / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. High cost tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Higher Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. APR threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Points and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Cover loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Negative Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Prepayment tests

**Document Review**

Edgemac reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final and Initial Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Approval / 1008 / Fannie Mae DU / Freddie Mac LP

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Guaranty Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimates and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Contract

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Junior Lien Information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subordination Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Lease Agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Employment Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 4506T/Tax Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal Valuation Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood and Hazard Insurance Policies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood Certificates

Page 11 of 14

![](image_004.jpg)

**Other review and methodology**

Not applicable.

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;61.82% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;38.18% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &nbsp;&nbsp;63.64% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;36.36% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

Page 12 of 14

![](image_004.jpg)

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Credit Grade A** | &nbsp;&nbsp;**Credit Grade B** | &nbsp;&nbsp;**Credit Grade C** |
| &nbsp;&nbsp;Credit - Credit | &nbsp;&nbsp;11 | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - General Underwriting Guideline Violation | &nbsp;&nbsp;41 | &nbsp;&nbsp;18 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Income and Assets | &nbsp;&nbsp;14 | &nbsp;&nbsp;6 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Insurance and Title | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Legal Documentation | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**71** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**41** | &nbsp;&nbsp;**0** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Compliance Grade A** | &nbsp;&nbsp;**Compliance Grade B** | &nbsp;&nbsp;**Compliance Grade C** |
| &nbsp;&nbsp;Compliance - Regulatory Compliance | &nbsp;&nbsp;21 | &nbsp;&nbsp;18 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance - TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**0** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Property Grade A** | &nbsp;&nbsp;**Property Grade B** | &nbsp;&nbsp;**Property Grade C** |
| &nbsp;&nbsp;Property - Collateral | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;4 | &nbsp;&nbsp;92.73% |
| &nbsp;&nbsp;Appraisal Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;Appraiser Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Back/Qual DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Coborrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;Coborrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;83.64% |

---

Page 13 of 14

![](image_004.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Doc Type Level | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Front DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FTHB Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;94.55% |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Qualifying DSCR | &nbsp;&nbsp;9 | &nbsp;&nbsp;83.64% |
| &nbsp;&nbsp;Investor Qualifying DTI | &nbsp;&nbsp;10 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original / Note Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;94.55% |
| &nbsp;&nbsp;Original Term to Maturity | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;74.55% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;8 | &nbsp;&nbsp;85.45% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;28 | &nbsp;&nbsp;49.09% |
| &nbsp;&nbsp;Self Employed Mortgagor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed Co-Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**102** | &nbsp;&nbsp;**95.97%** |

---

Page 14 of 14

## Exhibit 99.34

**EXHIBIT 99.34**

**EdgeMAC Exception Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Originator** | **General Category** | **Exception** | **Exception ID** | **Date Exception Cured Waived Updated** | **Description of Clearance** | **Comments** | **Compensating Factors** | **Exception Status** | **Exception Category** | **Exception Event Level** | **Initial Review Date** | **Occupancy Type** | **Property State** | **Note Date** | **Loan Purpose** | **TILA Rating** | **Loan Initial** | **Loan Final** | **Credit Initial** | **Credit Final** | **Compliance Initial** | **Compliance Final** | **Property Initial** | **Property Final** |
| 2/13/2023 | 762685 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing appraisers comments regarding condition of the roof due to presence of the tarp noted in the subject photos.//UPDATE 2/15/2022 Appraiser notated no safety issues. | xxxxxx | 2/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 2/15/2022 Appraiser notated no saftey issues. | Compensating Factors:<br> 1. Credit score 754; 34 points > 720 program minimum<br> 2. .DSRC 1.50% <br> 3. 52 months reserves; 46 months > 6 month program minimum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 762685 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Missing lease agreement for subject property.//UPDATE 2/15/2022 Lease provided. | xxxxxx | 2/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 2/15/2022 Lease provided. | Compensating Factors:<br> 1. Credit score 754; 34 points > 720 program minimum<br> 2. .DSRC 1.50% <br> 3. 52 months reserves; 46 months > 6 month program minimum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 762695 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | The borrower is a Foreign National and the file is missing a valid Visa allowing the borrower in the US legally. | xxxxxx | 3/10/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/10/2022 Guidelines allow copy of unexpired passport which was provided | Compensating factors:<br> 1. 201 months reserves; 189 months > 12 months program minimum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 762695 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | HOA certification from Management Association is missing. Subject property is a Condominium per appraisal report. There is no verification that the subject property meets underwriting requirements for Condominium projects in accordance with lender guidelines. | xxxxxx | 3/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Property is a detatched condo, per the xxxxxx xxxxx the requirement for detatched condo is waived. | Compensating factors:<br> 1. 201 months reserves; 189 months > 12 months program minimum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 762695 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing condominium project master insurance. | xxxxxx | 3/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Property is a detached condo, master insurance not required, property has an HOI policy in place. | Compensating factors:<br> 1. 201 months reserves; 189 months > 12 months program minimum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Missing documentation to support re-payment history for subject property-xxxxxx. Note shows Private lender, xxxxxx. | xxxxxx | 1/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Loan was paid off prior to closing, documentation not required. | Compensating Factors:<br>1. 70.02% LTV. 4.98% below program maximum LTV of 75%<br> 2. 763 FICO; 123 points above required guideline score of 640. | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 2/13/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Missing copies of cancelled checks for verification of Private lender, xxxxxx. Per Note, loan originated xxxxxx. | xxxxxx | 1/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Full Reconveyance xxxxxx | Compensating Factors:<br>1. 70.02% LTV. 4.98% below program maximum LTV of 75%<br> 2. 763 FICO; 123 points above required guideline score of 640. | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 2/13/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Property - Collateral | Missing required appraisal review product (ARR or CDA) as required by guidelines. Subject is a 4 unit property and not eligible for xxxxxx Risk Score. | xxxxxx | 1/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | CDA provided with a low risk score. | Compensating Factors:<br>1. 70.02% LTV. 4.98% below program maximum LTV of 75%<br> 2. 763 FICO; 123 points above required guideline score of 640. | Cleared | Property | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 2/13/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing documentation to support which property the Note of $xxxxxx is liened against. Preliminary title report shows this is liened against the subject property, and supplement shows title item removed, however, a copy of the Note and Mortgage were provided for private party lien with xxxxxx. HUD1 settlement statement does not reflect payoff to private party. | xxxxxx | 1/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Evidence of satisfied mortgage was provided, satisfied prior to closing. | Compensating Factors:<br>1. 70.02% LTV. 4.98% below program maximum LTV of 75%<br> 2. 763 FICO; 123 points above required guideline score of 640. | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 2/13/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing documentation to support the high alert items reflected on the credit report for the OFAC, SDN and Passport/Citizenship findings were reviewed and cleared by the lender. | xxxxxx | 1/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | High alert item cleared with sanctions list search. | Compensating Factors:<br>1. 70.02% LTV. 4.98% below program maximum LTV of 75%<br> 2. 763 FICO; 123 points above required guideline score of 640. | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 2/13/2023 | 773496 | xxxxxx | xxxxxx | xxxxxx | Property - Collateral | Per appraisal the subject is a legal non-conforming use. Appraisal states: "whenever a structure, which contains a non-conforming use, is damaged by fire, flood or other calamity, and the extent of the damage is more than 50% of the floor area of the structure or 50% or more of the replacement value of the structure, as determined by the Building Official, the structure shall not be restored unless in conformity with the use and development standard regulations of this title". Appraisal does not indicate whether the subject can be rebuilt if 100% destroyed. | xxxxxx | 8/22/2022 | Property condition cleared | Per client: The guidelines do not specify any percentage requirement for rebuild.  | COMPENSATING FACTORS; 1. STRONG FICO SCORE OF 809 WHICH IS ABOVE THE 700 MINIMUM REQUIRED SCORE. 2. LARGE PITI RESERVES OF 139 MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. 3. GOOD DSCR SCORE OF 1.37 WHICH IS ABOVE THE 1.00 SCORE REQUIRED. | Cleared | Property | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 2/13/2023 | 773496 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Missing the most recent 12 months mortgage history for the borrower's current primary residence. The credit report does not reflect the current mortgage with xxxxxx xxxxxx and the loan file contains mortgage statements reflecting payment made in xxxxxx , xxxxxx and xxxxxx. Subject to review upon receipt. | xxxxxx | 8/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 8/22/22: Received VOM from xxxxxx for property at xxxxxxx, xxxxxx - 0x30-YTD 2022 + 12 months 2021. As of xxxxxx, loan due for xxxxxx | COMPENSATING FACTORS; 1. STRONG FICO SCORE OF 809 WHICH IS ABOVE THE 700 MINIMUM REQUIRED SCORE. 2. LARGE PITI RESERVES OF 139 MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. 3. GOOD DSCR SCORE OF 1.37 WHICH IS ABOVE THE 1.00 SCORE REQUIRED. | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 2/13/2023 | 778518 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | Missing documentation reflecting index value used at closing. Note reflects lender to use index value available within a 45 day look-back period from closing date. Unable to determine if lender is in compliance with Note requirement. | xxxxxx | 9/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 09/27/2022 Received screen shot of Index value of 1.808 which is within 45 day look back and balances in CE. | Compensating Factors: 1) DTI 23.76%, 21.74% < 45% maximum per guidelines 2 Residual income of $33,670.00 > RI of $1250.00 | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 778518 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Lender exception approval provided for LTV of 85% exceeds program maximum of 80.00% with credit score of 665.Compensating Factors: 1) DTI 23.76%, 26% < 45 % maximum per guidelines 2) Residual income of $33,670.00 > program minimum of $1250.00 | xxxxxx | 9/27/2022 | Waived/Exception Granted | Lender exception approval provided with compensating factors. | Compensating Factors: 1) DTI 23.76%, 21.74% < 45% maximum per guidelines 2 Residual income of $33,670.00 > RI of $1250.00 | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 778518 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Lender exception approval provided for credit score of 665 does not meet First Time Home Buyer minimum of 680.Compensating Factors: 1) DTI 23.76%, 26% < 45 % maximum per guidelines 2) Residual income of $33,670.00 > program minimum of $1250.00 | xxxxxx | 9/27/2022 | Waived/Exception Granted | Lender exception approval provided with comensating factors. | Compensating Factors: 1) DTI 23.76%, 21.74% < 45% maximum per guidelines 2 Residual income of $33,670.00 > RI of $1250.00 | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 778518 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Lender exception approval provided for reserves of 3.28 months do not meet program minimum of 6 months.Compensating Factors: 1) DTI 23.76%, 26% < 45 % maximum per guidelines 2) Residual income of $33,670.00 > program minimum of $1250.00 | xxxxxx | 9/27/2022 | Waived/Exception Granted | Lender exception approval provided with compensating factors | Compensating Factors: 1) DTI 23.76%, 21.74% < 45% maximum per guidelines 2 Residual income of $33,670.00 > RI of $1250.00 | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 782795 | xxxxxx | xxxxxx | xxxxxx | Credit - Legal Documentation | 1/9/23 - Documents Received, cleared /// The policy is missing the legal description attached as Exhibit A | xxxxxx | 1/9/2023 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 1/9/23 - Documents Received, cleared | Compensating Factors: 1) FICO 682, min 660 2) Max cashout exceeds points and fees 3) Low LTV/CLTV of 58.96% | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 782795 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | 1/9/23 - Document received, cleared. /// Missing borrowers attestation that all tenants are non-borrower affiliated. | xxxxxx | 1/9/2023 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 1/9/23 - Document received, cleared. | Compensating Factors: 1) FICO 682, min 660 2) Max cashout exceeds points and fees 3) Low LTV/CLTV of 58.96% | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 772358 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | UPDATE 8/4/2022: Received borrower LOE regarding reason for relocating from current resident to subject property. However, LOE states reason for move is due to excessive assessments and only option was to move out versus the 1003 reflecting to retain the property which does not overcome the excessive assessments concern. /// UPDATE 8/4/2022: Duplicate documentation provided. Lease agreement provided is for unit xxxxxx which is the front unit bottom floor. Largest unit is lease xxxxxx(coach house) which reflects a lease end date of xxxxxx. Borrower must occupy subject property within 60 days to meet owner occupancy requirements (see Mortgage clause section 6). No documentation provided to support borrower relocating to any unit in the property. ///// Missing documentation to support which unit the borrower will be occupying. Hazard policy reflects unit xxxxxx mailing address, however, departing residence is 2000 sqft duplex (per property profile provided) versus 782.73 sqft in subject property (xxxxxx. Additionally, per lease agreements, appraisal and purchase contract, all units are currently leased. Loan transaction is a primary residence purchase. | xxxxxx | 8/5/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 8/5/2022: Borrower LOE provided. Cleared. | Compensating Factors: 1. 783 credit score; 63 points above program minimum credit score of 720 2. 75% LTV; 5% below 80% program maximum 3. 16.64 months reserves; 10.64 months greater than 6 month program minimum 4. Borrower has been self-employed for the last 3 years 5. DTI ratio of 42.27%; 7.73% less than 50% program maximum | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 773727 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Subject property is a PUD completed on a condo appraisal report. Exception in file approving the use of the existing condo appraisal report. Compensating Factors1. 44.62% LTV2. 1.55% DSCR | xxxxxx | 8/5/2022 | Waived/Exception Granted |  | Compensating Factors: 1. borrower credit score of 684 exceeds minimum of 660 2. borrower reserves via cash back of $106704.66 exceeds minimum reserves of $2439.30 3. 44.62% LTV; 20.38% lower than max LTV of 65% 4. 1.55% DSCR; minimum DSCR is 1.5% | Waived | Credit | EG2 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 773952 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Lender Exception Approval provided for the maximum LTV for a cash out refinance with a loan amount below $xxxxxx is 65.00% versus subject LTV of 70.00% Compensating Factors:1) 98 months reserves2) Cashing out much less than $xxxxxx) Borrower refinancing out of a private money lender | xxxxxx | 7/15/2022 | Waived/Exception Granted | Exception approval in file. | Compensating Factors: 1. 712 FICO; 92 points > 620 program minimum 2. 98 months reserves; 96 months > 2 month program minimum | Waived | Credit | EG2 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 773952 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Lender Exception Approval provided for primary residence history not able to be provided due to borrower not being on the loan versus 12 month guideline requirement. Borrower has been on title for primary since xxxxxx and subject since xxxxxx. Compensating Factors:1) 98 months reserves.2) 712 FICO3) 70% LTV | xxxxxx | 7/15/2022 | Waived/Exception Granted | Lender exception approval provided with compensating factors | Compensating Factors: 1. 712 FICO; 92 points > 620 program minimum 2. 98 months reserves; 96 months > 2 month program minimum | Waived | Credit | EG2 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 773952 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing transfer deed from xxxxxx LLC to xxxxxx. Copy of quit claim deed provided is not for the subject property. | xxxxxx | 7/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Executed QCD provided. | Compensating Factors: 1. 712 FICO; 92 points > 620 program minimum 2. 98 months reserves; 96 months > 2 month program minimum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | //UPDATE: 08/16/2022 Received the CD dated xxxxxx Signed at Consummation already in file, however, File Contains a Closing Disclosure dated xxxxxx that is missing xxxxxx, including but not limited to, Interest Rate, Projected Payments, ETIA and Loan Calculations. Need Lender's Signed Explanation as to who issued the CD and most importantly that it was Not provided to the borrower(s).The loan contains errors within one or more TRID disclosure. Missing signed Lender's explanation for incomplete Closing Disclosures in file missing pages and/or key data elements, however, not marked as "Draft" or "Preliminary". Closing Disclosures Date Issued is xxxxxx, Closing Date is xxxxxx, and Disbursement Date is missing. | xxxxxx | 8/18/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 08/18/2022 Received Signed Explanation from Lende that Incomplete CD dated 08/01/2022 was not provided to the borrower.<br>//UPDATE: 08/16/2022 Received the CD dated xxxxxx Signed at Consummation already in file, however, File Contains a Closing Disclosure dated xxxxxx that is missing Key Data Elements, including but not limited to, Interest Rate, Projected Payments, ETIA and Loan Calculations. Need Lender's Signed Explanation as to who issued the CD and most importantly that it was Not provided to the borrower(s). | Compensating Factors: 1) FICO 676, 16 points > 660 minimum guideline requirement 2) 35 months of reserves; 29 months > 6 months minimum requirement | Cleared | Compliance | EG1 | xxxxxx | Second Home | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing copy of fraud check letter from the Seller stating the borrower has been contacted and is aware of the application, due to Fraud Alert noted on credit report. | xxxxxx | 8/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 8/17/22: Received executed Notice of Intent to Proceed with loan Application. Fraud alert on credit report update stated to verify borrower's identity. Driver's License and executed USA patriot Act Disclosure - Borrower Identification with USA Passport and TX DL used to verify identity. | Compensating Factors: 1) FICO 676, 16 points > 660 minimum guideline requirement 2) 35 months of reserves; 29 months > 6 months minimum requirement | Cleared | Credit | EG1 | xxxxxx | Second Home | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing evidence of the Relocation Adjustment for $xxxxxx noted on final CD. | xxxxxx | 8/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 8/19/22 The PCCD dated xxxxxx has omitted the relocation adjustment. It now reflects $110K as final funds. | Compensating Factors: 1) FICO 676, 16 points > 660 minimum guideline requirement 2) 35 months of reserves; 29 months > 6 months minimum requirement | Cleared | Credit | EG1 | xxxxxx | Second Home | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing mortgage statement for primary residence with xxxxxx account xxxxxx to verify if taxes and insurance are included in mortgage payment. | xxxxxx | 8/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 8/17/22: Received xxxxxx xxxxxx statement which showed account is impounded and monthly PITI is $2,710.85. | Compensating Factors: 1) FICO 676, 16 points > 660 minimum guideline requirement 2) 35 months of reserves; 29 months > 6 months minimum requirement | Cleared | Credit | EG1 | xxxxxx | Second Home | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Missing evidence the borrower owns 100% of xxxxxx LLC and verify the business has been active for the past 2 years. | xxxxxx | 8/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 8/17/22: Received Certificate of Formation LLC that shows formed in 2019 and borrower is sole xxxxxx of LLC. | Compensating Factors: 1) FICO 676, 16 points > 660 minimum guideline requirement 2) 35 months of reserves; 29 months > 6 months minimum requirement | Cleared | Credit | EG1 | xxxxxx | Second Home | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 775652 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Lender approved exception the 18 months bank statements for the xxxxxx, LLC. The 24 months business bank statement program requires 2 years of business bank statements. Missing exception approval form from file.Compensating Factors:1. 19 months verified reserves2. Credit Score of 7653. No derogatory credit4. DTI under 40%5. Borrower is on title with spouse sincexxxxxx | xxxxxx | 9/8/2022 | Waived/Exception Granted | Exception approval received. | COMPENSATING FACTORS: 1. 19 months verified reserves 2. Credit Score of 765, FICO required per guideliens 700 3. No derogatory credit 4. Borrower is on title with spouse since 2011 | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 775657 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | Missing the following required State Disclosures: TX Home Equity Notice of Right to Rescind, TX Home Equity Receipt of Copies, TX Homestead Owner's Pre-Closing Fee Disclosure Affidavit, TX Affidavit of Reasonable Costs on Homestead Property, and TX Owner's Affidavit Regarding Advance of Additional Funds. | xxxxxx | 9/12/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 09/12/2022 Received TX Home Equity Certificate form Originating Lender Regarding Compliance with Section 50(a)(6) which includes language covering all listed missing disclosures per A6 Regulations. Federal Right to Cancel is sufficient means of TX Home EDquity Notice of Right to Rescind. | Compensating factors: 1. Credit score of 797; 77 > 720 program minimum 2.109 months reserves; 97 months > 12 month program minimum | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG2 | EG1 | EG1 | EG1 |
| 2/13/2023 | 775657 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Missing copy of the signed xxxxxx 1040 personal tax returns. Copy provided is signed by the borrower only, missing co-borrower signature. | xxxxxx | 9/13/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Received, signed by both. | Compensating factors: 1. Credit score of 797; 77 > 720 program minimum 2.109 months reserves; 97 months > 12 month program minimum | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG2 | EG1 | EG1 | EG1 |
| 2/13/2023 | 775657 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | UPDATED 9/14/2022: Rec'd same copy of the xxxxxx 1120S. Need Schedule K-1. Condition remains.UPDATED: Received copy of xxxxxx 1120S for xxxxxx, but still missing Schedule K-1.//Missing copies of the xxxxxx K-1 statements for xxxxxx for the borrower and co-borrower. Subject to re-calculation of income upon receipt. | xxxxxx | 9/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Received copy of 2021 K-1. | Compensating factors: 1. Credit score of 797; 77 > 720 program minimum 2.109 months reserves; 97 months > 12 month program minimum | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG2 | EG1 | EG1 | EG1 |
| 2/13/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | Legal Description attached to Deed of Trust does not match the Legal Description within the Preliminary Title Report or attached to the Grant Deed. Legal Description attached to the Deed of Trust contains a Parcel xxxxxx that is not referenced on the Preliminary Title Report or Grant Deed. | xxxxxx | 10/12/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/12/2022 Received full copy of Recorded Deed of Trust inclusive of accurate Legal Description and both Riders. | Compensating Factors: 1. 785 credit score; 65 points above program minimum credit score of 720 2. 32.15 months reserves; 26.15 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 7 years 4. DTI ratio of 43.69%; 6.31% less than 50% program maximum | Cleared | Compliance | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing evidence of monthly obligations for PITI, taxes, hazard insurance and HOA dues (if applicable), for the property being financed at xxxxxx, xxxxxx xxxxxx. Appears to be a concurrent primary residence purchase transaction. Missing copy of Note, Closing Disclosure, taxes, hazard to determine final housing payment. Subject to re-calculation of debt ratio upon receipt. | xxxxxx | 9/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Evidence of payment for xxxxxx provided. | Compensating Factors: 1. 785 credit score; 65 points above program minimum credit score of 720 2. 32.15 months reserves; 26.15 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 7 years 4. DTI ratio of 43.69%; 6.31% less than 50% program maximum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Missing source of Earnest Money Deposit in the amount of $121,612.00 and evidence of transfer to the closing agent. | xxxxxx | 10/11/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/11/2022 received source of EMD, condition cleared. | Compensating Factors: 1. 785 credit score; 65 points above program minimum credit score of 720 2. 32.15 months reserves; 26.15 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 7 years 4. DTI ratio of 43.69%; 6.31% less than 50% program maximum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Missing verification of rent free letter for current residence at xxxxxx. Borrower LOE in file states residing in this property since sale of property at xxxxxx, however borrower is not the owner of xxxxxx (in name of xxxxxx and xxxxxx). | xxxxxx | 10/11/2022 | Waived/Exception Granted |  | Compensating Factors: 1. 785 credit score; 65 points above program minimum credit score of 720 2. 32.15 months reserves; 26.15 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 7 years 4. DTI ratio of 43.69%; 6.31% less than 50% program maximum | Waived | Credit | EG2 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing copy of final HUD1/Closing Disclosure and source of EMD /closing monies used for the concurrent purchase of property at xxxxxx. Subject to re-calculation of Assets upon receipt. | xxxxxx | 10/6/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/6/22: HUD1 received, assets updated. Cleared. | Compensating Factors: 1. 785 credit score; 65 points above program minimum credit score of 720 2. 32.15 months reserves; 26.15 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 7 years 4. DTI ratio of 43.69%; 6.31% less than 50% program maximum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | NEW 9/26/2022: Appraisal completed for xxxxxx. Missing appraisal transfer letter from xxxxxx to xxxxxx. | xxxxxx | 9/29/2022 | Waived/Exception Granted |  | Compensating Factors: 1. 785 credit score; 65 points above program minimum credit score of 720 2. 32.15 months reserves; 26.15 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 7 years 4. DTI ratio of 43.69%; 6.31% less than 50% program maximum | Waived | Credit | EG2 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 776591 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | The Licensing/Registration check returned the following results as of the application date of xxxxxx: Loan Originator NMLS #xxxxxx is NOT Authorized to Represent Company and Loan Originator Company NMLS #xxxxxx is not Authorized to Conduct Business. | xxxxxx | 9/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 09/15/2022 Received xxxxxx for Broker xxxxxx. Entered into CE with NMLS # on docs as Branch location and received a Pass result for all NMLS testing. | Compensating Factors: 1. 785 credit score; 65 points above program minimum credit score of 720 2. 60% LTV; 20% below 80% program maximum 3. 25.07 months reserves; 19.07 months greater than 6 month program minimum 4. Borrower has been self-employed for the last 7 years 5. DTI ratio of 26.51%; 23.49% less than 50% program maximum | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 776989 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | The loan contains errors within one or more TRID disclosure. Missing proof of method of delivery for Post Consummation CD in file dated xxxxxx. | xxxxxx | 9/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 09/09/2022 Received subsequent PC CD dated xxxxxx with proof of emailing to borrower. | COMPENSATING FACTORS; 1. HIGH CREDIT SCORE OF 752 WHICH IS ABOVE THE 680 MINIMUM REQUIRED SCORE 2. LOW DTI OF 4.891% WHICH IS BELOW THE 50% PROGRM MAXIMUM 3. RESIDUAL INCOME OF $84k | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG1 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 2/13/2023 | 776989 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. On the Post Consummation Closing Disclosure in file Issued xxxxxx the "County Tax Stamp - Deed" fee was added, resulting in the below TRID Tolerance Violation. Integrated Disclosures Tolerance & Reimbursement Provisions - xxxxxx - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,119.79. | xxxxxx | 9/9/2022 | Compliance conditions cured by satisfactory remediation docs/re-disclosures | 09/09/2022 Received PC CD dated xxxxxx removing Transfer Taxes with explanation from Lender Transfer Taxes were entered on prior PC CD in error. | COMPENSATING FACTORS; 1. HIGH CREDIT SCORE OF 752 WHICH IS ABOVE THE 680 MINIMUM REQUIRED SCORE 2. LOW DTI OF 4.891% WHICH IS BELOW THE 50% PROGRM MAXIMUM 3. RESIDUAL INCOME OF $84k | Cured | Compliance | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG1 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 2/13/2023 | 777176 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Missing evidence of transfer and receipt of Earnest Money Deposit from the closing agent for the amount of $3,990.00 per wire transfer on xxxxxx noted on borrower's xxxxxx ending in xxxxxx. | xxxxxx | 9/7/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 09/07/2022: Received documentation to clear | Compensating Factors: 1. 768 credit score; 48 points above program minimum credit score of 720 2. Borrower has been self-employed for the last 3 years 3. Residual income requirement $2,875.00, residual income $4,764.00. | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777176 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | UPDATE 9/22/22 Received updated transaction histories for the xxxxxx with transactions dated after the xxxxxx note date; only considering balances up to xxxxxx. Borrower is short $125.58 in reserves. ///Missing additional 2 months consecutive asset statement verifying additional asset at minimum $346.47 needed for minimum reserves requirement of $43,273.80. | xxxxxx | 9/22/2022 | Waived/Exception Granted |  | Compensating Factors: 1. 768 credit score; 48 points above program minimum credit score of 720 2. Borrower has been self-employed for the last 3 years 3. Residual income requirement $2,875.00, residual income $4,764.00. | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777217 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Missing copy of cancelled checks from the borrower for the months of xxxxxx through xxxxxx. Borrower is a first time homebuyer. Per guidelines, a 12 month history is required. Private party VOR provided requiring most recent 6 months cancelled checks. LOE states borrower and son reside in current residence and share rent payment; Only borrower on purchase contract/new loan. Only one month cancelled check from borrower (xxxxxx), all remaining checks are from the son. Unable to support borrower maintained minimum required housing history. | xxxxxx | 9/20/2022 | Waived/Exception Granted | Waived by client with compensating factors:<br> Residual income twice the amount required per guidelines.<br> Reserve requirements exceed guideline requirements by 10 months.<br> DTI less than 40%. | Compensating Factors 21 months reserves, 15 > 6 required 748 credit score, 48 > 700 required residual income- $8,045.26 | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777541 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing copy of completed Homeowners Association questionnaire. Copy provided is blank. | xxxxxx | 9/29/2022 | Property condition cleared | Questionnaire provided, condition cleared. | Compensating Factors: 1. 706 credit score; 6 points above program minimum credit score of 700 2. 8.30 months reserves; 2.30 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 4 years 4 DTI ratio of 31.79%; 18.21% less than 50% program maximum | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777541 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing evidence two months receipt of rental income for property at xxxxxx. Lease agreements provided showing $1,200 each unit. Missing proof of receipt. | xxxxxx | 10/7/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Proof of rental receipt provided. | Compensating Factors: 1. 706 credit score; 6 points above program minimum credit score of 700 2. 8.30 months reserves; 2.30 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 4 years 4 DTI ratio of 31.79%; 18.21% less than 50% program maximum | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777541 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Client approved exception to allow loan amount of $xxxxxx versus the minimum required loan amount of $xxxxxx. Compensating Factors:1. 706 credit score; 6 points above program minimum credit score of 7002. 8.30 months reserves; 2.30 months greater than 6 month program minimum3. Borrower has been self-employed for the last 4 years4. DTI ratio of 31.79%; 18.21% less than 50% program maximum | xxxxxx | 9/23/2022 | Waived/Exception Granted | Client elects to waive guideline requirement with compensating factors. | Compensating Factors: 1. 706 credit score; 6 points above program minimum credit score of 700 2. 8.30 months reserves; 2.30 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 4 years 4 DTI ratio of 31.79%; 18.21% less than 50% program maximum | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777587 | xxxxxx | xxxxxx | xxxxxx | Credit - Insurance and Title | Missing updated blanket condo policy reflecting the mortgagee, borrower's name and unit number. | xxxxxx | 10/17/2022 | Waived/Exception Granted |  | Compensating Factors: 1. 760 credit score; 60 points above program minimum credit score of 700 2. 55.60% LTV; 19.40% below 75% program maximum 3. 4.84 months reserves; 2.84 months greater than 2 month program minimum 4. DSC ratio of 1.07; 0.07 greater than 1.00 program minimum | Waived | Credit | EG2 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777587 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing 12 month rating on ground rents for the subject property. | xxxxxx | 10/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | The condo association fees do include a land lease assessment however per guidelines, not required to provide a 12 month rating for hoa dues nor land lease assessments. | Compensating Factors: 1. 760 credit score; 60 points above program minimum credit score of 700 2. 55.60% LTV; 19.40% below 75% program maximum 3. 4.84 months reserves; 2.84 months greater than 2 month program minimum 4. DSC ratio of 1.07; 0.07 greater than 1.00 program minimum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777587 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing revised appraisal report addressing the land the property is located on is leasehold and common for the area. Per the prelim report, the property is leasehold and there is a copy of the lease in the file. | xxxxxx | 10/17/2022 | Waived/Exception Granted |  | Compensating Factors: 1. 760 credit score; 60 points above program minimum credit score of 700 2. 55.60% LTV; 19.40% below 75% program maximum 3. 4.84 months reserves; 2.84 months greater than 2 month program minimum 4. DSC ratio of 1.07; 0.07 greater than 1.00 program minimum | Waived | Credit | EG2 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777591 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Lender approved exception for the borrower having a NOD filing in xxxxxx versus wait period of 36 months. Compensating Factors:1. Investor Experience of 5 plus years2. DSCR of 1.143. $910,489.92 reserves covering 157 months | xxxxxx | 10/18/2022 | Waived/Exception Granted | 10/18/22: Lender exception approval provided with compensating factors. | Compensating Factors: • Good LTV of 70% which is below the 75% required • Good credit score of 706 which is above the 700 score required • Large PITI reserves of 157 months which is above the 2 months required • Good DSCR ratio of 1.14 which is above the 1.00 ratio required | Waived | Credit | EG2 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777617 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | //UPDATE: 10/04/2022 Received an explanation from Lender which states they did not do an Appraisal for this file as they used a transferred Appraisal. However, the CD dated xxxxxx reflects an Appraisal Fee of $600.00 with a Lender Paid Portion of $150.00. The Appraisal Fee and Lender Paid Portion was then removed on the revised CD dated xxxxxx without a Valid Change of Circumstance in file which results in the $150.00 Lender Credit Tolerance Violation. Condition remains as is.This loan failed TRID zero fee tolerance. Lender Paid portion of Appraisal Fee in the amount of $150.00 as reflected on CD dated xxxxxx was removed on CD dated xxxxxx resulting in the below TRID Tolerance Violation.Integrated Disclosures Tolerance & Reimbursement Provisions - xxxxxx - 1This loan failed the lender credits that cannot decrease test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($150.00). Total tolerance violation is $150.00. | xxxxxx | 10/12/2022 | Compliance conditions cured by satisfactory remediation docs/re-disclosures | 10/12/2022 Received PC CD dated xxxxxxwith copy of reimbursement check for $150.00. Entered into CE and received a Pass result for Reimbursement testing.<br>//UPDATE: 10/04/2022 Received an explanation from Lender which states they did not do an Appraisal for this file as they used a transfered Appraisal. However, the CD dated xxxxxx reflects an Appraisal Fee of $600.00 with a Lender Paid Portion of $150.00. The Appraisal Fee and Lender Paid Portion was then removed on the revised CD dated 09/20/2022 without a Valid Change of Circumstance in file which results in the $150.00 Lender Credit Tolerance Violation. Condition remains as is. | Compensating Factors: 1. 713 credit score; 13 points above program minimum credit score of 700 2. 15.31 months reserves; 9.31 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 4 years 4. DTI ratio of 32.28%; 12.72% less than 45% program maximum | Cured | Compliance | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 2/13/2023 | 777617 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Client approved exception for 12 month housing history verification. The last 5 months are verified with a VOR from a housing management service for borrower's current address. Unable to verify rents for borrower's previous address due to the owner/landlord moved to xxxxxx and the borrower paid roommate in cash, who in turn paid the landlord.Compensating Factors:1. 713 credit score; 13 points above program minimum credit score of 7002. 15.31 months reserves; 9.31 months greater than 6 month program minimum3. Borrower has been self-employed for the last 4 years4. DTI ratio of 32.28%; 12.72% less than 45% program maximum | xxxxxx | 9/30/2022 | Waived/Exception Granted | Client elects to waive guideline requirement with compensating factors. | Compensating Factors: 1. 713 credit score; 13 points above program minimum credit score of 700 2. 15.31 months reserves; 9.31 months greater than 6 month program minimum 3. Borrower has been self-employed for the last 4 years 4. DTI ratio of 32.28%; 12.72% less than 45% program maximum | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 2/13/2023 | 777654 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Missing additional asset statement for xxxxxx as the statement in the file expired on 9/21/22; Note date is xxxxxx | xxxxxx | 10/3/2022 | Waived/Exception Granted |  | Compensating Factors 1.$10,487.75 in residual income. 2. Borrower is a long time investor | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777654 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | Missing the following required State Disclosures: IL Civil Union Addendum to Uniform Residential Loan Application and IL Description of Underwriting Criteria and Required Documentation. | xxxxxx | 10/10/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/10/2022 Received IL Required Underwriting Documentation disclosure. IL Civil Union Addendum is not required as borrower is Married. | Compensating Factors 1.$10,487.75 in residual income. 2. Borrower is a long time investor | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777654 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | Borrower's Signature on the Mortgage in file page10 is illegible. Need full darker copy of Mortgage inclusive of legible signature, Legal Description and Rider. | xxxxxx | 10/10/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/10/2022 Received copy of Recorded Mortgage inclusive of clear legible signatures. | Compensating Factors 1.$10,487.75 in residual income. 2. Borrower is a long time investor | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777654 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. Discount Points increased on Closing Disclosure dated xxxxxx without a Valid Change of Circumstance resulting in the below TRID Tolerance Violations.Integrated Disclosures Tolerance & Reimbursement Provisions - xxxxxx - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $483.06.his loan failed the reimbursement amount test. (12 CFR 1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $50.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $483.06. | xxxxxx | 10/10/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/10/2022 Received Valid COC dated xxxxxx. Entered into CE and received a Pass result for Reimbursement testing. | Compensating Factors 1.$10,487.75 in residual income. 2. Borrower is a long time investor | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777783 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing corrected 1003 showing co-borrowers income from xxxxxx. | xxxxxx | 10/7/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Application with employment has been provided. | Compensating Factors 1 56.548% LTV, 18.452% lower thank max LTV of 75%. 2. 679 credit score, 19 points higher that 660 minimum required per guidelines. | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777783 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing Lenders income worksheet for xxxxxx. | xxxxxx | 10/6/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Lender worksheet for the income source was provided. | Compensating Factors 1 56.548% LTV, 18.452% lower thank max LTV of 75%. 2. 679 credit score, 19 points higher that 660 minimum required per guidelines. | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777783 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Final 1003 reflects xxxxxx will not occupy subject property. Missing housing expenses for co-borrower. | xxxxxx | 10/7/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Updated application provided confirming borrower will be occupying the subject property. | Compensating Factors 1 56.548% LTV, 18.452% lower thank max LTV of 75%. 2. 679 credit score, 19 points higher that 660 minimum required per guidelines. | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777783 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing cash out purpose letter. | xxxxxx | 10/7/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | LOE for cash out has been provided. | Compensating Factors 1 56.548% LTV, 18.452% lower thank max LTV of 75%. 2. 679 credit score, 19 points higher that 660 minimum required per guidelines. | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777855 | xxxxxx | xxxxxx | xxxxxx | Credit - Insurance and Title | UPDATED 10.11.2022 Still missing updated hazard insurance policy that reflects the annual premium,, received a replacement cost estimate which does not have the premium amount listed. | xxxxxx | 10/12/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | HOI binder with premium provided. | Compensating Factors: 1. 717 credit score; 17 points above program minimum credit score of 700 2. 76.32 months reserves; 64.32 months greater than 12 month program minimum 3. Borrower has been self-employed for the last 15 years 4. DTI ratio of 31.35%; 18.65% less than 50% program maximum | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777855 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing Proof of Borrower's receipt of Revised Loan Estimate dated xxxxxxresults in the below Timing Violation. Need proof the Borrower received Loan Estimate (LE) in file Issued xxxxxx at least four days prior to Consummation. Revised Loan Estimate Timing Requirements - xxxxxx - 1This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR 1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under 1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under 1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under 1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required 1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. | xxxxxx | 10/11/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/11/2022 Received Disclosure Tracking reflecting LE was eSigned xxxxxx. Entered into CE and received a Pass result for this test. | Compensating Factors: 1. 717 credit score; 17 points above program minimum credit score of 700 2. 76.32 months reserves; 64.32 months greater than 12 month program minimum 3. Borrower has been self-employed for the last 15 years 4. DTI ratio of 31.35%; 18.65% less than 50% program maximum | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777855 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Client approved exception for NSF activity in the last 12 months exceeding guidelines.Compensating Factors:1. 717 credit score; 17 points above program minimum credit score of 7002. 76.32 months reserves; 64.32 months greater than 12 month program minimum3. Borrower has been self-employed for the last 15 years4. DTI ratio of 31.35%; 18.65% less than 50% program maximum | xxxxxx | 10/6/2022 | Waived/Exception Granted | Client elects to waive guideline requirement with compensating factors. | Compensating Factors: 1. 717 credit score; 17 points above program minimum credit score of 700 2. 76.32 months reserves; 64.32 months greater than 12 month program minimum 3. Borrower has been self-employed for the last 15 years 4. DTI ratio of 31.35%; 18.65% less than 50% program maximum | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 777933 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing a cash out purpose letter. | xxxxxx | 10/13/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/11/20 Required per matrix, cash out letter provided. | Compensating Factors: 1. 29.43 months reserves; 23.43 months greater than 6 month program minimum 2. Borrower has been self-employed for the last 3 years 3. DTI ratio of 48.04%; 1.96% less than 50% program maximum | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 778572 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | xxxxxx ILA Post-Consummation Revised Closing Disclosure Lending PoliciesThis loan failed the xxxxxx finance charge test.(12 CFR 1026.18(d)(1), transferred from 12 CFR 226.18(d)(1))The finance charge is $898,687.27. The disclosed finance charge of $897,192.27 is not considered accurate because it is understated by more than $100.00. Total Under Disclosed Amount -$1,495.00. | xxxxxx | 10/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/19/2022 Received PC CD with copy of reimbursement check for $1,495.00 to borrower. Entered into CE and received a Pass result for this test. | Compensating Factors: 1. 751 credit score; 31 points above program minimum credit score of 720 2. Borrower has been self-employed for the last 8 years 3. DTI ratio of 48.96%; 1.04% less than 50% program maximum | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 778572 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Missing 1 month asset statement verifying additional asset at a minimum of $30,690.60 needed for minimum 12 months reserves requirement of $54,501.76 .Subject to recalculation of assets. | xxxxxx | 10/18/2022 | Waived/Exception Granted | Guidelines require one month statement. | Compensating Factors: 1. 751 credit score; 31 points above program minimum credit score of 720 2. Borrower has been self-employed for the last 8 years 3. DTI ratio of 48.96%; 1.04% less than 50% program maximum | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 778572 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | High voltage power lines and tower are located in the rear yard of the subject property. Appraiser used comparables with similar power lines in the analysis. | xxxxxx | 10/11/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Client is aware of this and elects to proceed with the transaction. | Compensating Factors: 1. 751 credit score; 31 points above program minimum credit score of 720 2. Borrower has been self-employed for the last 8 years 3. DTI ratio of 48.96%; 1.04% less than 50% program maximum | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 778704 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Missing documentation to support the deferred balance/deferred interest reflected on the xxxxxx account xxxxxx meets the minimum 24 month wait period against Note date of xxxxxx. Guidelines/matrix dated xxxxxx show modifications/deferments are treated as short sale/deed-in-lieu for eligibility. Mortgage statement dated xxxxxx1 (unpaid 2nd principal and deferred interest balance) shows borrower is participating in a xxxxxx. Unable to determine start date of program. Underwriter notes in file state forbearance, loan modifications or deferrals completed or reinstated greater than 12 months from Note date with 0x30x12 housing history are allowed, however, unable to locate this statement in the xxxxxx guidelines. | xxxxxx | 10/18/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | The proper guidelines were provided that show the deferral is allowed, condition cleared. | Compensating Factors 1. 32 months reserves, 2 required per guidelines. 2. LTV 48.34; 11.66% < 60.00% program maximum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 778820 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Missing satisfactory signed and dated letter of explanation from the borrower regarding the following credit inquiries and whether or not any new/additional debt was incurred: xxxxxx on xxxxxx., Provide documentation for any new obligation(s), if applicable. | xxxxxx | 10/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 10/28/2022: documentation received. Account open-$0 balance. | Compensating Factors: • Low LTV of 65% which is lower than the 80% program maximum • Strong credit score of 763 which is above the 720 minimum required • Good DTI of 42.78% which is below 50% program maximum • Good PITI reserves of 19 months which is above the 6 required | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 778883 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing assets statement from xxxxxx xxxxxx reflecting a balance of $27395.00 as listed on the 1003; the borrowers are short $12,075.53 in reserves. | xxxxxx | 10/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 401K stmt provided, assets sufficient. | Compensating Factors 1. $9,298.08 residual income. 2. 776 FICO, 56 points higher than 720 required per guidelines. | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing proof of consumer's receipt of Revised Closing Disclosure (CD) provided reflecting a Date Issued of xxxxxx and a Consummation Date of xxxxxx, results in the below TRID timing violation.Revised Closing Disclosure Timing Requirements - 10/27/2022 - 1This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR 1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in 1026.19(f)(2)(ii), if the disclosures provided under 1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. | xxxxxx | 11/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 11/09/2022 No Waiting Period required per xxxxxx as follows. APR Reductions will require the additional 3 day waiting period unless the overstated APR was based on an overstated finance charge. | Compensating Factors: • Self-employed for the last 4 plus years in the same business • Good DTI of 37.74% which is below the 45% program maximum | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | UPDATED 11/8/22 Received verification of business ownership to couple with bank statement and LOX - cleared. /// Missing signed letter of explanation and source of the following large deposits into borrower's xxxxxx #xxxxxx: $37,800.00 on xxxxxx. Deposits must come from borrower's streams of income. Debt to income ratio subject to recalculation. | xxxxxx | 11/8/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | UPDATED 11/8/22 Received verification of business ownership to couple with bank statement and LOX - cleared. | Compensating Factors: • Self-employed for the last 4 plus years in the same business • Good DTI of 37.74% which is below the 45% program maximum | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | UPDATED 11/8/22: Received one "all inclusive" Exception Approval to address all issues: LTV, Gift Funds and bank statements. /// UPDATED 11/8/22: Exception received was for LTV Only - Please provide exception for Gift Funds. /// Borrower who is a non-permanent resident alien received gift funds of $60,000. Gift funds are not allowed for for non-permanent resident aliens. | xxxxxx | 11/8/2022 | Waived/Exception Granted | Waived by Client with Compensating Factors:<br>1. FICO 703 - minimum required 660<br> 2. DTI is 37.74% vs. max 50% | Compensating Factors: • Self-employed for the last 4 plus years in the same business • Good DTI of 37.74% which is below the 45% program maximum | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Subject loan is 90% LTV, which exceeds the maximum LTV of 80% for non-permanent resident alien. | xxxxxx | 11/8/2022 | Waived/Exception Granted | Waived by client with Compensating Factors:<br>1. FICO 703 - minimum required 660<br> 2. DTI is 37.74% vs. max 50% | Compensating Factors: • Self-employed for the last 4 plus years in the same business • Good DTI of 37.74% which is below the 45% program maximum | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | UPDATED 11/8/22: Received one "all inclusive" Exception Approval to address all issues: LTV, Gift Funds and bank statements. /// UPDATED 11/8/22: Exception received was for LTV Only - Please provide exception for 12 months bank statements. /// Subject's doc type is 12 months business bank statements. Guidelines require non-permanent resident aliens to qualify using 24 months bank statements. | xxxxxx | 11/8/2022 | Waived/Exception Granted | Waived by Client with Compensating Factors:<br>1. FICO 703 - minimum required 660<br> 2. DTI is 37.74% vs. max 50% | Compensating Factors: • Self-employed for the last 4 plus years in the same business • Good DTI of 37.74% which is below the 45% program maximum | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Borrower does not have any of her own funds into the transaction. Borrower received $60,000 in gift funds and funds to close are $59,705.50. Guidelines require a minimum 5% of borrower's own funds. | xxxxxx | 11/7/2022 | Waived/Exception Granted |  | Compensating Factors: • Self-employed for the last 4 plus years in the same business • Good DTI of 37.74% which is below the 45% program maximum | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 779651 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | The loan contains errors within one or more TRID disclosure. Missing explanation letter to borrower and proof of method of delivery for Post Consummation Closing Disclosure in file Issued xxxxxx. Also missing proof that $431.79 Lender Credit was provided to borrower. | xxxxxx | 11/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 11/15/2022 Received Borrower Letter, Proof of Method of Delivery and copy of check to borrower in the amount of $431.79. | Compensating Factors: • Over 36 months satisfactory rental; payment history • Over 17 plus years self-employed with the same business | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 779651 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | There is a Changed Circumstance Detail Form in file that corresponds with the Closing Disclosure in file Issued xxxxxx, however, Changed Circumstance Detail Form is missing Loan Number, Borrower(s) Name, Property Address, Date of Changed Circumstance, and Date of Re-Disclosure. Need fully completed Changed Circumstance Detail Form. Unable to complete regulatory compliance check and TRID Monitoring. | xxxxxx | 11/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 11/15/2022 Received fully completed Changed Circumstance Detail Form dated xxxxxx | Compensating Factors: • Over 36 months satisfactory rental; payment history • Over 17 plus years self-employed with the same business | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 779651 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Missing LOE why the following properties were not included on the borrowers application: xxxxxx and xxxxxx property profiles were provided showing the borrowers ownership of both properties. | xxxxxx | 11/10/2022 | Waived/Exception Granted | UPDATED 11/11/22: Client waived condtion via client portal. | Compensating Factors: • Over 36 months satisfactory rental; payment history • Over 17 plus years self-employed with the same business | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 780547 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing proof of consumer's receipt of Revised Closing Disclosure (CD) provided reflecting a Date Issued of xxxxxx and a Consummation Date ofxxxxxx, results in the below TRID timing violation.Revised Closing Disclosure Timing Requirements - xxxxxx - 1This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR 1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in 1026.19(f)(2)(ii), if the disclosures provided under 1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. | xxxxxx | 11/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 11/17/2022 Violation is no waiting period so utilized mailing rule for receipt. Entered into CE and received a Pass result for this test. | Compensating Factors 1. $16,385.92 in residual income. 2. 769 FICO, 49 points higher than 720 required. | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 780547 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. Missing proof of consumer's receipt for Revised Closing Disclosure (CD) in file issued xxxxxx renders the Changed Circumstance Letter as invalid and unable to reset tolerances, resulting in the below TRID tolerance violation.Integrated Disclosures Tolerance & Reimbursement Provisions - xxxxxx - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $125.00. | xxxxxx | 11/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 11/17/2022 Violation is no waiting period so utilized mailing rule for receipt. Entered into CE and received a Pass result for Reimbursement Testing. | Compensating Factors 1. $16,385.92 in residual income. 2. 769 FICO, 49 points higher than 720 required. | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 780547 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | The Minimum Reserve Requirement of $73,630.32 (6 months) has not been met. xxxxxx xxxxxx is in the business name of xxxxxx. Business documentation provided shows two members; Borrower not eligible for 100% use of funds. Applying 50% ownership to this account reduces eligible asset amount to $19,963.75 and total assets to $371,637.28 (Includes gift of $125,000 and EMD of $39,780.00) less total funds into transaction of $305,475.18 = net reserves of $66,162.10. Loan is short in the amount of $<7,468.22>. | xxxxxx | 11/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 11/16/2022: Reserves requirement based on IO payment. Cleared. | Compensating Factors 1. $16,385.92 in residual income. 2. 769 FICO, 49 points higher than 720 required. | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 780705 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | UPDATED 12/12/22: Received 12/1/22 CD reflecting seller name - Cleared. /// Missing final CD dated xxxxxx reflecting the seller's name. | xxxxxx | 12/12/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors 1. Fico 780, 80 points greater than 700 minimum. 2. 16.24 months reserves, 14.24 months greater than 2 required. | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 780923 | xxxxxx | xxxxxx | xxxxxx | Credit - Legal Documentation | UPDATED 12/14/22: Received Exhibit A legal description - Cleared. /// The Prelim is missing the legal description attached as Exhibit A | xxxxxx | 12/14/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Legal description provided. | Compensating Factors: 1. 812 credit score; 112 points above program minimum credit score of 700 2. 54.592% LTV; 20.408% below 75% program maximum 3. 17.70 months reserves; 15.70 months greater than 2 month program minimum 4. DSC ratio of 0.85; 0.10 greater than 0.75 program minimum | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 780923 | xxxxxx | xxxxxx | xxxxxx | Credit - Credit | Client approved exception for housing history for primary residence. Primary home for the last 30 years is owned free and clear and title is under her deceased husband.Compensating Factors:1. 812 credit score; 112 points above program minimum credit score of 7002. 54.592% LTV; 20.408% below 75% program maximum3. 17.70 months reserves; 15.70 months greater than 2 month program minimum4. DSC ratio of 0.85; 0.10 greater than 0.75 program minimum | xxxxxx | 12/7/2022 | Waived/Exception Granted | Client elects to waive guideline requirement with compensating factors. | Compensating Factors: 1. 812 credit score; 112 points above program minimum credit score of 700 2. 54.592% LTV; 20.408% below 75% program maximum 3. 17.70 months reserves; 15.70 months greater than 2 month program minimum 4. DSC ratio of 0.85; 0.10 greater than 0.75 program minimum | Waived | Credit | EG2 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. Discount Points increased on Closing Disclosure dated xxxxxx without a Valid Change of Circumstance resulting in the below TRID Tolerance Violation.This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,408.82. | xxxxxx | 12/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 12/21/2022 Received a COC and CD not previously provided. Entered into CE and received a Pass result for all tolerance testing. | Compensating Factors: 1) Low DTI of 14.756%, max 45% 2) FICO 703 min 680 3) FTHB purchase reserves exceed 8 months, $24,378.00 | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing re-disclosed Closing Disclosure dated xxxxxx as reflected on the Change of Circumstance in file dated xxxxxx. Unable to complete regulatory compliance check and TRID Monitoring. | xxxxxx | 12/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 12/21/2022 Received Cd dated xxxxxx | Compensating Factors: 1) Low DTI of 14.756%, max 45% 2) FICO 703 min 680 3) FTHB purchase reserves exceed 8 months, $24,378.00 | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. APR increase exceeded the Threshold and borrower was not provided a new waiting period resulting in the below TRID Timing Violation.Revised Closing Disclosure Timing Requirements - 12/09/2022 - 1This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR 1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under 1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of 1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22.(B) The loan product is changed, causing the information disclosed under 1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under 1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under 1026.19(f)(1)(i) no later than three business days before consummation | xxxxxx | 12/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 12/21/2022 Received interim CD dated xxxxxx. Entered into CE and received a Pass result for this Timing Test. | Compensating Factors: 1) Low DTI of 14.756%, max 45% 2) FICO 703 min 680 3) FTHB purchase reserves exceed 8 months, $24,378.00 | Cleared | Compliance | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | EXCEPTION REQUEST: Request for exception for 49% of business ownership, min 50% required Compensating Factors: 1) Low DTI of 14.756%, max 45%2) FICO 703 min 6803) FTHB purchase reserves exceed 8 months, $24,378.60 | xxxxxx | 12/19/2022 | Waived/Exception Granted |  | Compensating Factors: 1) Low DTI of 14.756%, max 45% 2) FICO 703 min 680 3) FTHB purchase reserves exceed 8 months, $24,378.00 | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 2/13/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Missing asset statements to verify an additional $18,895.31 in reserves. The borrowers need 6 months reserves ($29297.70) and only $10,402.39 in reserves have been verified. The borrower has 33.3% in voting shares meanwhile 50% financial ownership in xxxxxx. The assets used to qualify in the xxxxxx xxxxxx for this business is 33.3%; seller used 50%. | xxxxxx | 12/7/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Borrower has sufficient reserves, documentation provided reflects 33% ownership in voting only but 50% in the profit and loss. | Compensating Factors: 1. 702 credit score; 42 points above program minimum credit score of 660 2. Borrower has been self-employed for the last 3 years | Cleared | Credit | EG1 | xxxxxx | Investment Property | xxxxxx | xxxxxx | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 781406 | xxxxxx | xxxxxx | xxxxxx | Credit - Income and Assets | Lender approved exception for verified reserves to cover 8 months which is less than the guideline requirement of 12 months.Compensating Factors;1. 800 Fico score2. 12 month VOR and 6 months canceled checks3. 21.44% DTI4. Borrower is 100% owner of the business per CPA letter and Articles of Inc | xxxxxx | 12/12/2022 | Waived/Exception Granted |  | Compensating Factors: • High credit score of 800 which is above the minimum required score of 700 • Low DTI of 21.44% which is below the 45% program maximum • 12 month VOR and 6 months canceled checks • Borrower is 100% owner of the business per CPA letter and Articles of Inc | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 781973 | xxxxxx | xxxxxx | xxxxxx | Credit - Legal Documentation | The policy is missing Legal Description attached as Exhibit A | xxxxxx | 12/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 12/16/2022 Received Title Commmitment inclusive of Legal Description matching Legal Description attached to Deed of Trust. | Compensating Factors 1. 30 months reserves, 24 month more than 6 required. 2. 721 FICO, 41 points higher than 680 minimum required. 3. residual income $27,930.48 | Cleared | Credit | EG1 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 2/13/2023 | 781973 | xxxxxx | xxxxxx | xxxxxx | Credit - General Underwriting Guideline Violation | Exception to use gift funds with the borrower being a non-perm resident alien was approved by xxxxxx.Compensating factors:1. LTV 57%, max LTV per guidelines 85%2. Residual income requirement $2,500.00, residual income in file $27,930.48.3. FICO 721, minimum FICO 680. | xxxxxx | 12/15/2022 | Waived/Exception Granted | Waiver in file to use gift funds when the borrower is non-perm resident. | Compensating Factors 1. 30 months reserves, 24 month more than 6 required. 2. 721 FICO, 41 points higher than 680 minimum required. 3. residual income $27,930.48 | Waived | Credit | EG2 | xxxxxx | Primary Residence | xxxxxx | xxxxxx | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |

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## Exhibit 99.35

**EXHIBIT 99.35**

**EdgeMAC Final Tape Compare Report**

TPR Firm: Edgemac Date Submitted: 2/23/2023 <br> Client Name: Report: Final Tape Compare Report <br> <u>Client Project:</u> <u>Verus 2023-2</u> <u>Loans in report:</u> <u>55</u>

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Originator** | **Field** | **Final Tape Data** | **Reviewer Data** | **Comment** |
| 02/23/2023 | 762685 | xxxxxx | xxxxxx | xxxxxx | Coborrower 1 Last Name | NULL | xxxxxx | Discrepancy |
| 02/23/2023 | 762685 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DSCR | 1.54 | 1.500 | Discrepancy |
| 02/23/2023 | 762685 | xxxxxx | xxxxxx | xxxxxx | Property Type | Detached | 2 Family | Discrepancy |
| 02/23/2023 | 762685 | xxxxxx | xxxxxx | xxxxxx | QM Designation | NULL | Not covered / exempt | Discrepancy |
| 02/23/2023 | 762695 | xxxxxx | xxxxxx | xxxxxx | QM Designation | NULL | Not covered / exempt | Discrepancy |
| 02/23/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DSCR | 1.17 | 1.180 | Discrepancy |
| 02/23/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Number of Units | 1 | 4 | Discrepancy |
| 02/23/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Original CLTV | 69.68 | 70.02 | Discrepancy |
| 02/23/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Original LTV | 69.68 | 70.02 | Discrepancy |
| 02/23/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | Property Type | Detached | 4 Family | Discrepancy |
| 02/23/2023 | 772767 | xxxxxx | xxxxxx | xxxxxx | Appraisal Value | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 772767 | xxxxxx | xxxxxx | xxxxxx | QM Designation | Exempt | Not covered / exempt | Discrepancy |
| 02/23/2023 | 773496 | xxxxxx | xxxxxx | xxxxxx | Appraisal Value | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 773496 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DSCR | 1.2 | 1.350 | Discrepancy |
| 02/23/2023 | 773496 | xxxxxx | xxxxxx | xxxxxx | Original CLTV | 70 | 68.79 | Discrepancy |
| 02/23/2023 | 773496 | xxxxxx | xxxxxx | xxxxxx | Original LTV | 70 | 68.79 | Discrepancy |
| 02/23/2023 | 773496 | xxxxxx | xxxxxx | xxxxxx | Property Type | Attached | 5-10 Unit Multi-Family | Discrepancy |
| 02/23/2023 | 770802 | xxxxxx | xxxxxx | xxxxxx | Note Date | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 771669 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 772358 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | 4 Family | Discrepancy |
| 02/23/2023 | 772358 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 773727 | xxxxxx | xxxxxx | xxxxxx | Amortization Term | 40 | 360 | Discrepancy |
| 02/23/2023 | 773727 | xxxxxx | xxxxxx | xxxxxx | Doc Type | ALTERNAT | DSCR | Discrepancy |
| 02/23/2023 | 773727 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | Condo, Non-Warrantable Low Rise (4 or fewer stories) | Discrepancy |
| 02/23/2023 | 773727 | xxxxxx | xxxxxx | xxxxxx | QM Designation | NONQM | Not covered / exempt | Discrepancy |
| 02/23/2023 | 773952 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | PUD (Planned Unit Development) | Discrepancy |
| 02/23/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 32.65 | 31.976 | Discrepancy |
| 02/23/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | PUD (Planned Unit Development) | Discrepancy |
| 02/23/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 774903 | xxxxxx | xxxxxx | xxxxxx | Doc Type | ALTERNAT | DSCR | Discrepancy |
| 02/23/2023 | 774903 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 775266 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 13.18 | 12.843 | Discrepancy |
| 02/23/2023 | 775266 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 775618 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | PUD (Planned Unit Development) | Discrepancy |
| 02/23/2023 | 775618 | xxxxxx | xxxxxx | xxxxxx | QM Designation | NONQM | Not covered / exempt | Discrepancy |
| 02/23/2023 | 775618 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 775652 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 775657 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | PUD (Planned Unit Development) | Discrepancy |
| 02/23/2023 | 775718 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 20.97 | 21.189 | Discrepancy |
| 02/23/2023 | 775718 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | PUD (Planned Unit Development) | Discrepancy |
| 02/23/2023 | 775718 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | PUD (Planned Unit Development) | Discrepancy |
| 02/23/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 776591 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 776863 | xxxxxx | xxxxxx | xxxxxx | QM Designation | NONQM | Not covered / exempt | Discrepancy |
| 02/23/2023 | 776863 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 776919 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 3.48 | 4.382 | Discrepancy |
| 02/23/2023 | 776919 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 776989 | xxxxxx | xxxxxx | xxxxxx | Doc Type | FULL | 24-month Business Bank Statement | Discrepancy |
| 02/23/2023 | 776989 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 6.9 | 5.959 | Discrepancy |
| 02/23/2023 | 777176 | xxxxxx | xxxxxx | xxxxxx | FTHB Flag | N | Borrower is a First Time Home Buyer | Discrepancy |
| 02/23/2023 | 777176 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 777217 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 38.21 | 37.176 | Discrepancy |
| 02/23/2023 | 777217 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 777535 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 777598 | xxxxxx | xxxxxx | xxxxxx | Amortization Term | 40 | 360 | Discrepancy |
| 02/23/2023 | 777598 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 39.71 | 40.353 | Discrepancy |
| 02/23/2023 | 777598 | xxxxxx | xxxxxx | xxxxxx | Original P&I | 3806.61 | 3445.31 | Discrepancy |
| 02/23/2023 | 777598 | xxxxxx | xxxxxx | xxxxxx | QM Designation | NONQM | Not covered / exempt | Discrepancy |
| 02/23/2023 | 778051 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 778820 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | PUD (Planned Unit Development) | Discrepancy |
| 02/23/2023 | 778820 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 778959 | xxxxxx | xxxxxx | xxxxxx | Doc Type | ALTERNAT | P&L/CPA 12 months | Discrepancy |
| 02/23/2023 | 778959 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DSCR | 0 | 50 | Discrepancy |
| 02/23/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Doc Type | ALTERNAT | 12-month Business Bank Statement | Discrepancy |
| 02/23/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DSCR | 0 | 50 | Discrepancy |
| 02/23/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 30.96 | 37.736 | Discrepancy |
| 02/23/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Loan Type | CONV | 30YrFRM | Discrepancy |
| 02/23/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | PUD (Planned Unit Development) | Discrepancy |
| 02/23/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 779651 | xxxxxx | xxxxxx | xxxxxx | Doc Type | ALTERNAT | P&L/CPA 24 months | Discrepancy |
| 02/23/2023 | 779651 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DSCR | 0 | 50 | Discrepancy |
| 02/23/2023 | 779651 | xxxxxx | xxxxxx | xxxxxx | Property Type | Single Family | PUD (Planned Unit Development) | Discrepancy |
| 02/23/2023 | 779651 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 780547 | xxxxxx | xxxxxx | xxxxxx | Amortization Term | 30 | 240 | Discrepancy |
| 02/23/2023 | 780547 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 43.11 | 47.287 | Discrepancy |
| 02/23/2023 | 780547 | xxxxxx | xxxxxx | xxxxxx | Original P&I | 9205.87 | 7514.00 | Discrepancy |
| 02/23/2023 | 780547 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 780568 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 780705 | xxxxxx | xxxxxx | xxxxxx | Amortization Term | 30 | 240 | Discrepancy |
| 02/23/2023 | 780705 | xxxxxx | xxxxxx | xxxxxx | Doc Type | ALTERNAT | DSCR | Discrepancy |
| 02/23/2023 | 780705 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DSCR | 1.035 | 1.050 | Discrepancy |
| 02/23/2023 | 780705 | xxxxxx | xxxxxx | xxxxxx | Loan Type | CONV | IO 30YrFRM | Discrepancy |
| 02/23/2023 | 780705 | xxxxxx | xxxxxx | xxxxxx | Original P&I | 2625.47 | 2266.48 | Discrepancy |
| 02/23/2023 | 780705 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 780923 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 781372 | xxxxxx | xxxxxx | xxxxxx | FTHB Flag | N | Borrower is a First Time Home Buyer | Discrepancy |
| 02/23/2023 | 781372 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | Doc Type | ALTERNAT | 12-month Business Bank Statement | Discrepancy |
| 02/23/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | FTHB Flag | N | Borrower is a First Time Home Buyer | Discrepancy |
| 02/23/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DSCR | 0 | 45% | Discrepancy |
| 02/23/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DTI | 14.16 | 14.756 | Discrepancy |
| 02/23/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | Coborrower 1 First Name |  | xxxxxx | Discrepancy |
| 02/23/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | Coborrower 1 Last Name |  | xxxxxx | Discrepancy |
| 02/23/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | Doc Type | ALTERNAT | 12-month Business Bank Statement | Discrepancy |
| 02/23/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | Investor Qualifying DSCR | 0 | 50% | Discrepancy |
| 02/23/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | QM Designation | NONQM | Not covered / exempt | Discrepancy |
| 02/23/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 781406 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |
| 02/23/2023 | 781973 | xxxxxx | xxxxxx | xxxxxx | Sales Price | xxxxxx | xxxxxx | Discrepancy |

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## Exhibit 99.36

**EXHIBIT 99.36**

**EdgeMAC Rating Agency Grades**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Originator** | **Loan Amount** |
| 2/13/2023 | 762685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 762695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 772767 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 773496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 778518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 780432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 782795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 770802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 771669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 771953 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 772358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 773727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 773952 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 774903 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 775266 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 775618 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 775652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 775657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C B A |
| 2/13/2023 | 775718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 776591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A C |
| 2/13/2023 | 776863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 776919 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 776989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A C B |
| 2/13/2023 | 777176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 777217 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 777535 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 777541 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 777587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 777591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 777598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 777617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 777654 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 777783 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 777855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 777933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 778051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 778572 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 778704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 778820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 778883 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 778959 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 779651 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 780547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 780568 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |
| 2/13/2023 | 780705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 780923 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A |
| 2/13/2023 | 781406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 781973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx C A B |
| 2/13/2023 | 781372 | xxxxxx | xxxxxx | xxxxxx | xxxxxx A |

---

## Exhibit 99.37

**EXHIBIT 99.37**

**EdgeMAC QM ATR Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Borrower Employment Status** | **Co Borrower Employment Status** | **Loan Application Date** | **Regulatory Loan Purpose** | **APR** | **Points Fees** | **QM Designation** | **ATR Status** | **Rate Lock Date** | **Residual Income Originator** | **QM Agency UW Test** | **Non QM Reason Product Type** | **Non QM Reason DTI Test 43 App Q** | **Non QM Reason Not App Q Any DTI** | **Non QM Reason Pts Fees** | **Executed ATR Docs In File** | **QM ATR Exempt Reason** | **TRID Applicable** | **xxxx Seller Indicator** | **xxxxxxSeller Guide Method** | **xxxxxx Validated** |
| 02/13/2023 | 762685 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt | Compliant |  |  |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 762695 | xxxxxx | xxxxxx | Borrower is a Foreign National - Legal residency has been verified |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  |  |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 762713 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  |  |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 772767 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose | xxxxxx |  | Not covered / exempt | DSCR/Not Applicable |  | -$1450.88 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 773496 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | -$1219.80 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 778518 | xxxxxx | xxxxxx | US Citizen | US Citizen | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $19046.25 | Non-Qualified Mortgage | Compliant | xxxxxx | $33669.55 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 780432 | xxxxxx | xxxxxx | US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | $160.06 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 782795 | xxxxxx | xxxxxx | US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt | DSCR/Not Applicable |  | -$689.66 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 770802 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | $136.42 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 771669 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose | xxxxxx |  | Not covered / exempt |  |  | -$5584.36 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 771953 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $6106.12 | Non-Qualified Mortgage | Compliant | xxxxxx | $6504.40 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 772358 | xxxxxx | xxxxxx | Borrower is a US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $20275.55 | Non-Qualified Mortgage | Compliant | xxxxxx | $23294.77 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 773727 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | -$2547.66 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 773952 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt | Compliant |  | $154.60 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 774056 | xxxxxx | xxxxxx | Borrower is a US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx |  | Non-Qualified Mortgage | Compliant | xxxxxx | $16847.49 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 774903 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | -$2993.90 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 775266 | xxxxxx | xxxxxx | Borrower is a US Citizen | Borrower is a US Citizen | Self-employed |  | xxxxxx | Business Purpose | xxxxxx |  | Not covered / exempt | Compliant |  | $75580.13 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 775618 | xxxxxx | xxxxxx | Borrower is a US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | -$2025.38 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 775652 | xxxxxx | xxxxxx | Borrower is a US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $8325.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $10978.73 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 775657 | xxxxxx | xxxxxx | Borrower is a US Citizen | Borrower is a US Citizen | Self-employed | Self-employed | xxxxxx | Consumer Purpose | xxxxxx | $20002.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $20235.33 |  | N | Y | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 775718 | xxxxxx | xxxxxx | Borrower is a US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $16137.35 | Non-Qualified Mortgage | Compliant | xxxxxx | $21226.45 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 776498 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Business Purpose | xxxxxx |  | Not covered / exempt |  |  | $25069.39 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 776591 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $6734.51 | Non-Qualified Mortgage | Compliant | xxxxxx | $9011.21 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 776863 | xxxxxx | xxxxxx | US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | $144.43 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 776919 | xxxxxx | xxxxxx | US Citizen | US Citizen | Self-employed |  | xxxxxx | Business Purpose | xxxxxx |  | Not covered / exempt | Compliant |  | $261306.19 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 776989 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $14235.96 | Non-Qualified Mortgage | Compliant | xxxxxx | $69125.43 |  | N | N | Y | Y N |  |  | Y |  |  |  |
| 02/13/2023 | 777176 | xxxxxx | xxxxxx | Borrower is a US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $7880.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $4765.44 |  | N | Y | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 777217 | xxxxxx | xxxxxx | Perm Resident Alien with valid Green Card |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $18305.50 | Non-Qualified Mortgage | Compliant | xxxxxx | $8045.26 |  | N | N | Y | Y N |  |  | Y |  |  |  |
| 02/13/2023 | 777535 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $10522.08 | Non-Qualified Mortgage | Compliant | xxxxxx | $15773.91 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 777541 | xxxxxx | xxxxxx | US Citizen |  | Commissioned Employee |  | xxxxxx | Consumer Purpose | xxxxxx | $2720.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $4381.46 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 777587 | xxxxxx | xxxxxx | US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  | xxxxxx | -$5526.89 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 777591 | xxxxxx | xxxxxx | US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | -$1216.03 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 777598 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Business Purpose | xxxxxx |  | Not covered / exempt | Compliant |  | $33406.05 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 777617 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $3386.36 | Non-Qualified Mortgage | Compliant | xxxxxx | $5828.80 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 777654 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $15516.15 | Non-Qualified Mortgage | Compliant | xxxxxx | $10478.75 |  | N | Y | Y | Y N |  |  | Y |  |  |  |
| 02/13/2023 | 777783 | xxxxxx | xxxxxx | US Citizen | US Citizen | Self-employed | Self-employed | xxxxxx | Consumer Purpose | xxxxxx | $5622.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $6118.97 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 777855 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $12050.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $50655.32 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 777933 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $24194.75 | Non-Qualified Mortgage | Compliant | xxxxxx | $15789.19 |  | N | Y | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 778051 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $18400.81 | Non-Qualified Mortgage | Compliant | xxxxxx | $10390.31 |  | N | N | Y | Y N |  |  | Y |  |  |  |
| 02/13/2023 | 778572 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $22842.35 | Non-Qualified Mortgage | Compliant | xxxxxx | $8165.17 |  | N | Y | Y | Y N |  |  | Y |  |  |  |
| 02/13/2023 | 778704 | xxxxxx | xxxxxx | US Citizen |  |  |  | xxxxxx | Business Purpose | xxxxxx |  | Not covered / exempt |  |  | -$89.57 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 778820 | xxxxxx | xxxxxx | US Citizen | US Citizen | Self-employed |  | xxxxxx | Business Purpose | xxxxxx |  | Not covered / exempt | Compliant |  | $8986.89 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 778883 | xxxxxx | xxxxxx | US Citizen | US Citizen | Self-employed | Hourly Employee | xxxxxx | Consumer Purpose | xxxxxx | $7294.90 | Non-Qualified Mortgage | Compliant | xxxxxx | $9297.93 |  | N | Y | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 778959 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $20087.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $6329.68 |  | N | Y | Y | Y N |  |  | Y | No |  |  |
| 02/13/2023 | 779122 | xxxxxx | xxxxxx | Non Perm Resident Alien with valid Visa |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $10350.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $10411.64 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 779651 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $16585.84 | Non-Qualified Mortgage | Compliant | xxxxxx | $6740.45 |  | N | N | Y | Y N |  |  | Y |  |  |  |
| 02/13/2023 | 780547 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $24934.94 | Non-Qualified Mortgage | Compliant | xxxxxx | $16385.92 |  | Y | Y | N | N |  |  | Y | No |  |  |
| 02/13/2023 | 780568 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $13610.96 | Non-Qualified Mortgage | Compliant | xxxxxx | $27063.00 |  | N | N | Y | N |  |  | Y |  |  |  |
| 02/13/2023 | 780705 | xxxxxx | xxxxxx | US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | $149.28 |  | N | N | N | N |  | Investor Property | N | No |  |  |
| 02/13/2023 | 780923 | xxxxxx | xxxxxx | US Citizen |  |  |  | xxxxxx | Business Purpose |  |  | Not covered / exempt |  |  | -$822.90 |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 02/13/2023 | 781393 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $9914.98 | Non-Qualified Mortgage | Compliant | xxxxxx | $13983.20 |  | N | N | Y | Y N |  |  | Y |  |  |  |
| 02/13/2023 | 781401 | xxxxxx | xxxxxx | US Citizen | US Citizen | Self-employed | Self-employed | xxxxxx | Business Purpose | xxxxxx |  | Not covered / exempt | Compliant |  | $9057.65 |  | N | N | N | N |  | Investor Property | N | No |  |  |
| 02/13/2023 | 781406 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $4425.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $7738.41 |  | N | N | Y | N |  |  | Y | No |  |  |
| 02/13/2023 | 781973 | xxxxxx | xxxxxx | Non Perm Resident Alien with valid Visa |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $41477.00 | Non-Qualified Mortgage | Compliant | xxxxxx | $27930.48 |  | N | N | Y | Y N |  |  | Y | No |  |  |
| 02/13/2023 | 781372 | xxxxxx | xxxxxx | US Citizen |  | Self-employed |  | xxxxxx | Consumer Purpose | xxxxxx | $10180.80 | Non-Qualified Mortgage | Compliant | xxxxxx | $11038.94 |  | Y | N | Y | N |  |  | Y | No |  |  |

---

## Exhibit 99.38

**EXHIBIT 99.38**

**EdgeMAC Valuation Summary Report**

TPR Firm: Edgemac Date Submitted: 2/13/2023 <br> Client Name: Report: Valuation Summary Report <br> <u>Client Project:</u> <u>Verus 2023-2</u> <u>Loans in report:</u> <u>55</u>

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Originator** | **Origination Date** | **Original Loan Amount** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Date** | **Original Appraisal Form** | **Property Value Used for Loan to Value1** | **Second Appraisal/ Valuation Value** | **Second Appraisal/ Valuation Variance Amount** | **Second Appraisal/ Valuation Percent** | **Second Appraisal/ Valuation Date** | **Second Full Appraisal Property Value** | **Second Full Appraisal Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Desk Review Property Value** | **Variance Percent** | **Desk Review Risk Score** | **Desk Review Date** | **Form 2055 Appraisal Property Value** | **Form 2055 Appraisal Appraisal Date** | **Original Automated Valuation Model AVM Property Value** | **Original Automated Valuation Model AVM Appraisal Date** | **Broker s Price Opinion BPO Property Value** | **Broker s Price Opinion BPO Appraisal Date** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Collateral Underwriter Risk Score** |
| 02/13/2023 | 762685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 1/10/2022 | 1025 | xxxxxx | xxxxxx | $0.00 | 0% | 1/27/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate | 1/27/2022 |  |  |  |  |  |  | xxxxxx | 9 | 1/27/2022 |  |  |  |
| 02/13/2023 | 762695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 1/4/2022 | 1073 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 1/4/2022 |  |  | 1 |
| 02/13/2023 | 762713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 12/9/2021 | 1025 | xxxxxx | xxxxxx | $0.00 | 0% | 12/16/2021 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 12/16/2021 |  |  |  |  |  |  | xxxxxx | 9 | 12/16/2021 |  |  |  |
| 02/13/2023 | 772767 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 6/16/2022 | 1004 | xxxxxx | xxxxxx | xxxxxx | 0% | 6/21/2022 CDA |  |  |  |  | xxxxxx | 0.08% | Moderate Risk | 6/21/2022 |  |  |  |  |  |  | xxxxxx | 9 | 6/21/2022 |  |  | 1 |
| 02/13/2023 | 773496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 7/18/2022 | 1025 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  | xxxxxx | 7/26/2022 |  |  |  |  | xxxxxx | 3 | 7/18/2022 |  |  |  |
| 02/13/2023 | 778518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7/29/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 8/1/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate | 8/1/2022 |  |  |  |  |  |  | xxxxxx | 9 | 8/1/2022 |  |  | 1 |
| 02/13/2023 | 780432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 9/14/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 9/20/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate | 9/20/2022 |  |  |  |  |  |  | xxxxxx | 9 | 9/20/2022 |  |  | 1.1 |
| 02/13/2023 | 782795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 12/9/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 12/16/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate | 12/16/2022 |  |  |  |  |  |  | xxxxxx | 9 | 12/16/2022 |  |  |  |
| 02/13/2023 | 770802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 5/31/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 6/13/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate Risk | 6/13/2022 |  |  |  |  |  |  | xxxxxx | 9 | 6/13/2022 |  |  | 2.6 |
| 02/13/2023 | 771669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 6/2/2022 | 1073 | xxxxxx |  |  |  |  | xxxxxx | 5/25/2022 |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 6/2/2022 |  |  | 2.6 |
| 02/13/2023 | 771953 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 6/28/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 7/27/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate | 7/27/2022 |  |  |  |  |  |  | xxxxxx | 9 | 7/27/2022 |  |  | 2.5 |
| 02/13/2023 | 772358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 6/18/2022 | 1025 | xxxxxx | xxxxxx | $0.00 | 0% | 7/6/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low Risk | 7/6/2022 |  |  |  |  |  |  | xxxxxx | 9 | 7/6/2022 |  |  |  |
| 02/13/2023 | 773727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 6/1/2022 | 1073 | xxxxxx | xxxxxx | $0.00 | 0% | 7/12/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low Risk | 7/12/2022 |  |  |  |  |  |  | xxxxxx | 9 | 7/12/2022 |  |  | 999 |
| 02/13/2023 | 773952 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 5/25/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 6/15/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low Risk | 6/15/2022 |  |  |  |  |  |  | xxxxxx | 9 | 6/15/2022 |  |  | 1 |
| 02/13/2023 | 774056 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7/18/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 7/18/2022 |  |  | 1.9 |
| 02/13/2023 | 774903 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7/21/2022 | 1004 | xxxxxx |  |  |  |  | xxxxxx | 7/21/2022 |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 7/21/2022 |  |  |  |
| 02/13/2023 | 775266 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7/27/2022 | 1004 | xxxxxx |  |  |  |  | xxxxxx | 6/30/2022 |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 7/27/2022 |  |  | 1.4 |
| 02/13/2023 | 775618 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/5/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/5/2022 |  |  | 1 |
| 02/13/2023 | 775652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7/29/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 7/29/2022 |  |  | 2.1 |
| 02/13/2023 | 775657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 8/2/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 8/18/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low Risk | 8/18/2022 |  |  |  |  |  |  | xxxxxx | 9 | 8/18/2022 |  |  | 2.6 |
| 02/13/2023 | 775718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7/15/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 7/15/2022 |  |  | 1.6 |
| 02/13/2023 | 776498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7/16/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 7/16/2022 |  |  | 1.1 |
| 02/13/2023 | 776591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/10/2022 | 1073 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/10/2022 |  |  | 1.1 |
| 02/13/2023 | 776863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/19/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/19/2022 |  |  | 1.7 |
| 02/13/2023 | 776919 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/26/2022 | 1025 | xxxxxx | xxxxxx | $0.00 | 0% | 9/2/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate Risk | 9/2/2022 |  |  |  |  |  |  | xxxxxx | 9 | 9/2/2022 |  |  |  |
| 02/13/2023 | 776989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 8/23/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/23/2022 |  |  | 1 |
| 02/13/2023 | 777176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/12/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/12/2022 |  |  | 2.3 |
| 02/13/2023 | 777217 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/26/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/26/2022 |  |  | 1 |
| 02/13/2023 | 777535 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/12/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/12/2022 |  |  | 1 |
| 02/13/2023 | 777541 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/17/2022 | 1073 | xxxxxx | xxxxxx | xxxxxx | -6% | 9/16/2022 CDA |  |  |  |  | xxxxxx | -6.25% | Moderate Risk | 9/16/2022 |  |  |  |  |  |  | xxxxxx | 9 | 9/16/2022 |  |  | 3.5 |
| 02/13/2023 | 777587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 9/6/2022 | 1073 | xxxxxx | xxxxxx | $0.00 | 0% | 9/15/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate Risk | 9/15/2022 |  |  |  |  |  |  | xxxxxx | 9 | 9/15/2022 |  |  | 1 |
| 02/13/2023 | 777591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 9/16/2022 | 1025 | xxxxxx | xxxxxx | $0.00 | 0% | 9/22/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low Risk | 9/22/2022 |  |  |  |  |  |  | xxxxxx | 9 | 9/22/2022 |  |  |  |
| 02/13/2023 | 777598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 8/29/2022 | 1025 | xxxxxx | xxxxxx | $0.00 | 0% | 9/2/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate Risk | 9/2/2022 |  |  |  |  |  |  | xxxxxx | 9 | 9/2/2022 |  |  |  |
| 02/13/2023 | 777617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/29/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/29/2022 |  |  | 1 |
| 02/13/2023 | 777654 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/9/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/9/2022 |  |  | 1.6 |
| 02/13/2023 | 777783 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 9/12/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 9/15/2022 CDA |  |  |  |  | xxxxxx | 0.00% |  | 9/15/2022 |  |  |  |  |  |  | xxxxxx | 9 | 9/15/2022 |  |  | 1 |
| 02/13/2023 | 777855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 9/8/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 9/12/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low Risk | 9/12/2022 |  |  |  |  |  |  | xxxxxx | 9 | 9/12/2022 |  |  | 2.7 |
| 02/13/2023 | 777933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 8/21/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/21/2022 |  |  | 2.3 |
| 02/13/2023 | 778051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/5/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/5/2022 |  |  | 1 |
| 02/13/2023 | 778572 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8/30/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 8/30/2022 |  |  | 1.5 |
| 02/13/2023 | 778704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 9/29/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 10/3/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low Risk | 10/3/2022 |  |  |  |  |  |  | xxxxxx | 9 | 10/3/2022 |  |  | 3.4 |
| 02/13/2023 | 778820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10/5/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 10/10/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 10/10/2022 |  |  |  |  |  |  | xxxxxx | 9 | 10/10/2022 |  |  | 1.4 |
| 02/13/2023 | 778883 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 9/15/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 10/14/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low Risk | 10/14/2022 |  |  |  |  |  |  | xxxxxx | 9 | 10/14/2022 |  |  | 1.2 |
| 02/13/2023 | 778959 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 10/8/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 10/11/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 10/11/2022 |  |  |  |  |  |  | xxxxxx | 9 | 10/11/2022 |  |  | 1.6 |
| 02/13/2023 | 779122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10/8/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 10/13/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 10/13/2022 |  |  |  |  |  |  | xxxxxx | 9 | 10/13/2022 |  |  | 2 |
| 02/13/2023 | 779651 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10/14/2022 | 1004 | xxxxxx |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 10/14/2022 |  |  | 1 |
| 02/13/2023 | 780547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10/11/2022 | 1073 | xxxxxx | xxxxxx | $0.00 | 0% | 10/19/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate | 10/19/2022 |  |  |  |  |  |  | xxxxxx | 9 | 10/19/2022 |  |  | 1.1 |
| 02/13/2023 | 780568 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/3/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 11/16/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 11/16/2022 |  |  |  |  |  |  | xxxxxx | 9 | 11/16/2022 |  |  | 1 |
| 02/13/2023 | 780705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/3/2022 | 1025 | xxxxxx | xxxxxx | $0.00 | 0% | 11/10/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 11/10/2022 |  |  |  |  |  |  | xxxxxx | 9 | 11/10/2022 |  |  |  |
| 02/13/2023 | 780923 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/11/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 11/16/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate | 11/16/2022 |  |  |  |  |  |  | xxxxxx | 9 | 11/16/2022 |  |  |  |
| 02/13/2023 | 781393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/7/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 11/11/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 11/11/2022 |  |  |  |  |  |  | xxxxxx | 9 | 11/11/2022 |  |  |  |
| 02/13/2023 | 781401 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/17/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 11/19/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 11/19/2022 |  |  |  |  |  |  | xxxxxx | 9 | 11/19/2022 |  |  | 1 |
| 02/13/2023 | 781406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/3/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 11/8/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 11/8/2022 |  |  |  |  |  |  | xxxxxx | 9 | 11/8/2022 |  |  | 1.5 |
| 02/13/2023 | 781973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/16/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 12/6/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Low | 12/6/2022 |  |  |  |  |  |  | xxxxxx | 9 | 12/6/2022 |  |  | 1.7 |
| 02/13/2023 | 781372 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/25/2022 | 1004 | xxxxxx | xxxxxx | $0.00 | 0% | 11/30/2022 CDA |  |  |  |  | xxxxxx | 0.00% | Moderate | 11/30/2022 |  |  |  |  |  |  | xxxxxx | 9 | 11/30/2022 |  |  | 2.6 |

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